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Citizens CIA Free cash flow

Free cash flow at other companies

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$153.24M-17.4%
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$505.01M+67.3%
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$93.49M+3.9%
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$654M+113%
Citizens & Northern logo
Citizens & NorthernCZNC
$8.47M+713%
Globe Life logo
Globe LifeGL
——

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%

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

Calculated from Citizens’s reported figures.

−$323.0Knet cash from operating−$326.0Kcapital expenditures=-$649K

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 free cash flow?
Citizens (CIA) reported free cash flow of -$649K in Q1 2026.
How has Citizens's free cash flow changed year-over-year?
Citizens's free cash flow decreased by 201.2% year-over-year, from $641K to -$649K.
What is the long-term trend for Citizens's free cash flow?
Over 4 years (2021 to 2025), Citizens's free cash flow has grown at a -18.3% compound annual growth rate (CAGR), from $39.45M to $17.54M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.