What is Citizens's change in fair value of structured note?

Citizens (CIA) reported change in fair value of structured note of $76.75K in Q4 2025.

What does change in fair value of structured note mean?

This metric represents the unrealized change in the fair value of structured notes held within the investment portfolio. Structured notes often contain embedded derivatives, making their value sensitive to specific market indices or interest rate environments. Monitoring this metric is crucial for assessing the risk and performance of complex financial instruments used for yield enhancement.

Citizens CIA Change in fair value of structured note

Change in fair value of structured note at other companies

Texas Capital BancsharesTCBI

-$31.33M-162%

Energy Vault HoldingsNRGV

$134K—

Enova InternationalENVA

$346.18M+8.4%

First BanCorpFBP

$272K+109%

Atlanticus Holdings CorporationATLC

-$365.52M-105%

Asset EntitiesASST

-$2.17M—

Other financials

Income statement

See full

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 cia:StructuredNoteUnrealizedGainLoss.

The official record: Citizens’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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What is Citizens's change in fair value of structured note?: Citizens (CIA) reported change in fair value of structured note of $76.75K in Q4 2025.
What does change in fair value of structured note mean?: This metric represents the unrealized change in the fair value of structured notes held within the investment portfolio. Structured notes often contain embedded derivatives, making their value sensitive to specific market indices or interest rate environments. Monitoring this metric is crucial for assessing the risk and performance of complex financial instruments used for yield enhancement.