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Citizens cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$10.7M in Q3 2026 · $21.1M over twelve months

Operating cash flow$11.3M
Capital spending−$532K
Free cash flow+$10.7M

Analysis

In Q3 2026, Citizens generated $11.3M of operating cash flow and spent $532K on capital projects, leaving free cash flow of $10.7M. That is $6.1M more than in Q3 2025 ($4.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $22.1M; the largest uses were other investing ($26.9M), capital spending ($997K); besides operations, cash came from other financing ($329K), taxes on employees’ shares ($2K); the cash balance fell by $5.5M.

Operating cash flow was $11.3M against net income of −$422K. The largest differences: other operating capital +$1.8M, accrued liabilities +$464K, depreciation & amortization +$195K.

Free cash flow

Citizens: free cash flow by quarterCitizens: free cash flow by quarter$10.7MQ4 2024$641KQ1 2025$3.3MQ2 2025$4.6MQ3 2025$9.0MQ4 2025−$649KQ1 2026$2.0MQ2 2026$10.7MQ3 2026
Operating cash flow less capital spending.
Citizens: operating cash flow against capital spendingCitizens: operating cash flow against capital spendingOperating cash flowCapital spending$10.8M$102KQ4 2024$748K$107KQ1 2025$3.5M$176KQ2 2025$4.7M$60KQ3 2025$9.1M$104KQ4 2025−$323K$326KQ1 2026$2.0M$35KQ2 2026$11.3M$532KQ3 2026
Latest (Q3 2026): Operating cash flow $11.3M, Capital spending $532K.

Capital allocation, year by year

Citizens: where the cash came from (up) and went (down), by fiscal yearCitizens: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $40.5MFY2021: Shares issued $2.3MFY2021: Asset sales $14KFY2021: Capital spending −$1.0MFY2021: Buybacks −$9.1M$42.7MFY2021FY2022: Operating cash flow $56.9MFY2022: Shares issued $2.2MFY2022: Capital spending −$100KFY2022: Buybacks −$2.7M$59.2MFY2022FY2023: Operating cash flow $22.1MFY2023: Capital spending −$442KFY2023: Buybacks −$919K$22.1MFY2023FY2024: Operating cash flow $31.9MFY2024: Capital spending −$663K$31.9MFY2024FY2025: Operating cash flow $18.0MFY2025: Capital spending −$447K$18.0MFY2025
Over these 5 years operating cash flow totalled $169M; the largest uses were buybacks ($12.7M) and capital spending ($2.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$17.6M
Debtnone
Net cash$17.6M

Citizens funds itself: free cash flow was $21.1M over the last twelve months, with $17.6M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Citizens: sources (+) and uses (−) of cash, Q3 2026Citizens: sources (+) and uses (−) of cash, Q3 2026Other investing−$12.5MOperating cash flow$11.3MOther financing$2.4MCash drawn (+) / kept (−)−$626KCapital spending−$532K
Citizens: sources (+) and uses (−) of cash, TTM to Q3 2026Citizens: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$26.9MOperating cash flow$22.1MCash drawn (+) / kept (−)$5.5MCapital spending−$997KOther financing$329KTaxes on employees’ shares$2K

From profit to cash

Citizens: net income to operating cash flow, Q3 2026Citizens: net income to operating cash flow, Q3 2026Net income−$422KDepreciation & amortization$195KAccrued liabilities$464KOther operating capital$1.8MOperating cash flow$11.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingCash drawn (+) / kept (−)Free cash flow
Q3 2026$11.3M−$532K−$626K$10.7M
Q2 2026$2.0M−$35K$1.6M$2.0M
Q1 2026−$323K−$326K$4.5M−$649K
Q4 2025$9.1M−$104K$147K$9.0M
Q3 2025$4.7M−$60K−$452K$4.6M
Q2 2025$3.5M−$176K−$4.3M$3.3M
Q1 2025$748K−$107K$10.9M$641K
Q4 2024$10.8M−$102K$3.1M$10.7M

Citizens: income statement and cash flow

Citizens, Q3 2026: revenue $65.0M (+4% year over year), operating margin 0.2%. The chart follows the revenue to costs, profit and cash.

Citizens: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.