Where do Citizens's ratios come from?

Every ratio is computed from Citizens's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Citizens CIA Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	7.1%+1.4pp	5.7%+1.3pp	4.4%-0.2pp	4.6%+1.0pp	3.6%-2.5pp
Free cash flow margin	6.3%-0.6pp	6.9%-0.9pp	7.8%-2.0pp	9.8%-0.6pp	10.4%-2.4pp
Returns
Return on equity	8.1%+1.5pp	6.6%+1.5pp	5%-0.3pp	5.3%+1.1pp	4.2%-3.6pp
Return on assets	1.1%+0.2pp	0.8%+0.2pp	0.6%0.0pp	0.7%+0.1pp	0.5%-0.4pp
Efficiency
Asset turnover	0.2×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Valuation
Market capitalization	$300.79M+65.2%	$242.93M-7.9%	$263.79M+52.5%	$173.02M-23.8%	$227.08M+13.5%
Price / earnings	16.3×-4.5×	16.6×-7.6×	24.3×+8.9×	15.4×-10.6×	26×+12.5×
Price / sales	1.2×+0.4×	1×-0.1×	1.1×+0.4×	0.7×-0.2×	0.9×+0.1×
Price / book	1.3×+0.4×	1×-0.1×	1.2×+0.4×	0.8×-0.3×	1×+0.1×
Free cash flow yield	5.4%-8.4pp	7.2%-0.1pp	7.3%-6.6pp	13.9%+2.8pp	11.1%-4.5pp
Earnings yield	6.1%+1.3pp	6%+1.9pp	4.1%-2.4pp	6.5%+2.6pp	3.9%-3.6pp

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Where do Citizens's ratios come from?: Every ratio is computed from Citizens's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.