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Citizens CIA Permanent — Interest accrual

Other product segments

Permanent Limited Pay
$3.52M+0.8%

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$197M-1.5%

Other financials

Income statement

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Revenue$59.7M+7.3%
Net income$2.3M+240%
EPS (diluted)$0.04+233%

Balance sheet

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Cash & equivalents$18.5M+0.9%
Total debt$7.4M-5.5%
Total equity$238.7M+9.4%
Total assets$1.7B+2.2%

Cash flow

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Operating cash flow-$323.0K-143%
CapEx$326.0K+205%
Free cash flow-$649.0K-201%

Valuation

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Market cap$300.79M+65.2%
P/E16.3×-4.5×
P/S1.2×+0.4×

Profitability

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Net margin7.1%+3.5pp
FCF margin6.3%-4.1pp

Returns & leverage

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Return on equity8.1%+3.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense.

The official record: Citizens’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens's permanent — interest accrual?
Citizens (CIA) reported permanent — interest accrual of $13.97M in Q1 2026.
How has Citizens's permanent — interest accrual changed year-over-year?
Citizens's permanent — interest accrual decreased by 0.4% year-over-year, from $14.03M to $13.97M.
What is the long-term trend for Citizens's permanent — interest accrual?
Over 3 years (2022 to 2025), Citizens's permanent — interest accrual has grown at a 2.9% compound annual growth rate (CAGR), from $51.3M to $55.89M.
What does permanent — interest accrual mean?
Reflects the interest credited to the liability for future policy benefits for permanent life insurance products. It represents the time value of money applied to policy reserves, indicating the cost of carrying long-term insurance obligations.