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Citizens CIA Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

MetLife logo
MetLifeMET
$460M+21.7%
Brighthouse Financial logo
Brighthouse FinancialBHF
$80M-3.0%
Axis Capital Holders logo
Axis Capital HoldersAXS
$9.68M-8.8%
Citizens & Northern logo
Citizens & NorthernCZNC
-$331K+8.1%

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Citizens (CIA) reported accretion (amortization) of discounts and premiums, investments of -$979K in Q1 2026.
How has Citizens's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Citizens's accretion (amortization) of discounts and premiums, investments increased by 17.1% year-over-year, from -$1.18M to -$979K.
What is the long-term trend for Citizens's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Citizens's accretion (amortization) of discounts and premiums, investments has grown at a -5.5% compound annual growth rate (CAGR), from -$5.57M to -$4.44M.
What does accretion (amortization) of discounts and premiums, investments mean?
The non-cash adjustment to the carrying value of investment securities to reflect the amortization of premiums or accretion of discounts over the life of the instrument. This ensures that investment income is recognized consistently with the effective interest method.