Citizens CIA

Insurance - Life, Financial Services

$3.60

−0.83%

Market cap: $182.3M
PE: 17.1×; 9y median 15.7×
Forward PE: n/m; not a meaningful number
Price to sales: 0.7×
Revenue, 12 months: $255M; +4% on a year ago
Net margin: 4.5%

Citizens trades at 17.1× trailing earnings, near its ten-year median. Revenue was $255M over the last twelve months, up 4% on a year earlier with a 5% net margin.

Charts

Financials

Income statement for CIA, by quarter
Income statement	Q3 FY23	Q4 FY23	Q1 FY24	Q2 FY24	Q3 FY24	Q4 FY24	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
	$59.4M+6%	$66.8M−1%	$57.7M+3%	$62.1M+6%	$61.7M+4%	$63.5M−5%	$55.7M−4%	$65.1M+5%	$62.8M+2%	$72.1M+14%	$59.7M+7%	$60.4M−7%
Pre-tax income	$4.6M−4%	$8.8M−23%	$4.9M−27%	$3.3M−45%	$3M−35%	$3.7M−58%	−$1.8M	$6.9M+109%	$4.5M+48%	$7.9M+112%	$2.4M	−$529K
	$1.9M+37%	−$2M−13%	$383K−79%	−$657K+701%	$247K−87%	$95K	−$164K	$455K	$2.1M+735%	$526K+454%	$106K	−$104K
Net income	$2.7M−21%	$10.7M−21%	$4.5M−7%	$4M−35%	$2.8M+3%	$3.6M−66%	−$1.6M	$6.5M+63%	$2.4M−13%	$7.3M+103%	$2.3M	−$425K
	$0.05−17%	$0.21+200%	$0.09−10%	$0.08−33%	$0.05+0%	$0.07−67%	−$0.03	$0.13+63%	$0.04−20%	$0.14+100%	$0.04	−$0.01
	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a

EPS, diluted: 8 periods, Q4 FY11 to Q3 FY18: quarter's net income to common over its shares, to the cent.

Diluted shares: 6 periods, Q4 FY11 to Q4 FY17: not printed by the filing, worked out from its own lines. Q4 FY15 and Q4 FY18: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days. 4 periods, Q4 FY19 to Q4 FY22: share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

Companies in Financial Services nearest Citizens' size, closest first.

Company	Market cap	PE	Its 10y median PE	P/S	Revenue growth	Net margin
CIACitizens	$182.3M	17.1×	15.7×	0.7×	+4%	4.5%
JRVRJames River	$183.6M	26.5×	21.2×	0.3×	−2%	4.7%
WHGWestwood	$178.9M	21.7×	21.7×	1.8×	+5%	7.7%
BVFLBV Financial	$186.8M	14.3×	14.0×	n/m	+4%	32.5%
FNWDFinward Bancorp	$188.7M	19.2×	10.7×	n/m	+9%	14.2%
ECBKECB Bancorp	$189.3M	15.8×	25.0×	n/m	+36%	29.4%
SBFGSB Financial	$189.5M	11.3×	10.1×	n/m	+10%	24.5%
MNSBMainStreet Bancshares	$174M	12.0×	9.1×	n/m	+4%	23.7%
OPRXOptimizeRx	$172.3M	38.1×	32.5×	1.7×	−6%	4.7%
EBMTEagle Bancorp Montana	$169.8M	10.5×	12.0×	n/m	+11%	16.8%
CBFVCB Financial Services	$196.4M	28.0×	13.9×	n/m	−6%	14.9%
Peer median	$185.2M	17.5×	14.0×	1.7×	+5%	15.9%