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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	5.7%-0.4pp	6.1%-4.1pp	10.2%-1.0pp	11.2%-3.5pp
Returns
Return on equity	6.6%-1.2pp	7.8%-8.5pp	16.3%-6.5pp	22.8%+4.5pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0×0.0×	0×0.0×	0.1×0.0×	0.1×0.0×
Valuation
Market capitalization	$300.79M+65.2%	$200.13M+50.1%	$133.3M+25.1%	$106.51M-59.7%
Price / earnings	16.3×-4.5×	13.4×+8.0×	5.5×+1.4×	4.1×-3.1×
Price / sales	1.2×+0.4×	0.8×+0.3×	0.6×+0.1×	0.5×-0.6×
Price / book	1.3×+0.4×	1×+0.2×	0.8×-0.1×	0.8×-1.8×

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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.