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Citizens CIA Q3 2025 earnings

Reported November 6, 2025 · Before market open

Revenue$62.8MMiss by $5.1M
EPS$0.07Beat by $0.01
Revenue estimate$67.9M
EPS estimate$0.06

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$63.9M
EPS estimate$0.07

Financials

Q3 2025

Income statement

See full
Revenue$62.8M+1.7%
Net income$2.4M-13.4%

Balance sheet

See full
Cash & equivalents$23.1M-28.6%
Total equity$225.6M+8.7%
Total assets$1.7B+0.4%

Cash flow

See full
Operating cash flow$4.7M-51.9%
CapEx$60.0K-83.9%
Free cash flow$4.6M-50.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$263.79M+46.1%
P/E24.3×+16.1×
P/S1.1×+0.3×

Profitability

See full
Net margin4.4%-4.5pp
FCF margin7.8%-3.1pp

Returns & leverage

See full
Return on equity5%-7.2pp

Versus estimates

Revenue

Q1 2026$58.2MMiss by $510.0KQ4 2025$70.2MBeat by $2.3M
Q3 2025$62.8MMiss by $5.1M
Q1 2025$55.7MMiss by $7.5MQ4 2024$63.5MMiss by $1.2MQ3 2024$61.7MMiss by $2.9M

Diluted EPS

Q1 2026$0.05Miss by $0.00Q4 2025$0.11Beat by $0.03
Q3 2025$0.07Beat by $0.01
Q1 2025$0.02Miss by $0.03Q4 2024$0.07Miss by $0.03Q3 2024$0.05Miss by $0.03

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Questions, answered.

When did Citizens report Q3 2025 earnings?
Citizens (CIA) reported Q3 2025 earnings on November 6, 2025 before market open.
What were Citizens's Q3 2025 revenue and EPS?
Citizens reported revenue of $62.8M and eps of $0.07 for Q3 2025.
Did Citizens beat estimates in Q3 2025?
Revenue missed the consensus estimate of $67.9M by $5.1M. EPS beat the consensus estimate of $0.06 by $0.01.
How did Citizens's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1.7% from $61.7M a year earlier and eps grew 40.0% from $0.05.
Where can I find Citizens's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000024090-25-000126) and the 10-Q periodic report (0000024090-25-000124) directly on SEC EDGAR. The filing index links above go to sec.gov.