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Citizens CIA Q4 2025 Annual earnings

Reported March 12, 2026 · Before market open

Revenue$70.2MBeat by $2.3M
EPS$0.11Beat by $0.03
Revenue estimate$67.9M
EPS estimate$0.08

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$72.1M+13.5%
Net income$7.3M+103%

Balance sheet

See full
Cash & equivalents$23.0M-21.5%
Total debt$7.4M-5.5%
Total equity$235.0M+11.7%
Total assets$1.8B+4.1%

Cash flow

See full
Operating cash flow$9.1M-16.0%
CapEx$104.0K+2.0%
Free cash flow$9.0M-16.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$242.93M+21.4%
Enterprise value$227.32M+27.2%
P/E16.6×+3.2×
P/S1×+0.1×

Profitability

See full
Net margin5.7%-0.4pp
FCF margin6.9%-5.9pp

Returns & leverage

See full
Return on equity6.6%-1.2pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$58.2MMiss by $510.0K
Q4 2025$70.2MBeat by $2.3M
Q3 2025$62.8MMiss by $5.1MQ1 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 $0.00
Q4 2025$0.11Beat by $0.03
Q3 2025$0.07Beat by $0.01Q1 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 Q4 2025 earnings?
Citizens (CIA) reported Q4 2025 earnings on March 12, 2026 before market open.
What were Citizens's Q4 2025 revenue and EPS?
Citizens reported revenue of $70.2M and eps of $0.11 for Q4 2025.
Did Citizens beat estimates in Q4 2025?
Revenue beat the consensus estimate of $67.9M by $2.3M. EPS beat the consensus estimate of $0.08 by $0.03.
How did Citizens's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.6% from $63.5M a year earlier and eps grew 57.1% from $0.07.
Where can I find Citizens's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000024090-26-000005) and the 10-K periodic report (0000024090-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.