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Citizens CIA Unearned Revenue Reserve — Annuities

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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 / equity0×0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:PolicyholderContractDeposits.

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 unearned revenue reserve — annuities?
Citizens (CIA) reported unearned revenue reserve — annuities of $1.49M in Q1 2026.
How has Citizens's unearned revenue reserve — annuities changed year-over-year?
Citizens's unearned revenue reserve — annuities increased by 0.3% year-over-year, from $1.49M to $1.49M.
What is the long-term trend for Citizens's unearned revenue reserve — annuities?
Over 3 years (2022 to 2025), Citizens's unearned revenue reserve — annuities has grown at a -2.6% compound annual growth rate (CAGR), from $6.43M to $5.94M.
What does unearned revenue reserve — annuities mean?
This metric represents the liability held by the insurance company for annuity premiums received that have not yet been earned as revenue. It reflects the portion of annuity contracts for which the company is still obligated to provide coverage or future benefits. A stable or growing reserve indicates ongoing policyholder commitment and future revenue potential, while significant fluctuations may signal changes in new business volume or policy surrender rates.