Filing Flows › Citizens (CIA) › Q3 2025
Citizens (CIA) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Citizens (CIA) reported revenue of $62.8M for the third quarter 2025 (Q3 2025), +2% from a year earlier and -3% from the quarter before. Operating margin was 7.1%, net earnings $2.4M (3.8% of revenue).
Citizens, Q3 2025: revenue $62.8M (+2% year over year), operating margin 7.1%, net earnings $2.4M, operating cash flow $4.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $62.8M | -3% | +2% |
| Operating profit | $4.5M | -35% | +47% |
| Net earnings | $2.4M | -63% | -13% |
| Operating cash flow | $4.7M | +35% | -52% |
| Free cash flow | $4.6M | +40% | -51% |
What changed
Revenue was $62.8M in Q3 2025, up 2% year over year and down 3% from the previous quarter.
Operating profit was $4.5M, a 7.1% margin (up 2.2 points year over year). Of the extra revenue versus a year earlier, 134% reached operating profit, above the 5% margin then. Total costs fell 1% while revenue rose 2%. Net earnings were $2.4M, down 13% year over year. The effective tax rate was 46.0%.
Operating cash flow was $4.7M (down 52% year over year), 193% of net earnings. Non-cash charges added back $192K of depreciation. Working capital and other items added $2.1M. Capital expenditures of $60K left free cash flow of $4.6M.
Questions
What was Citizens' revenue in the third quarter 2025?
Citizens (CIA) reported revenue of $62.8M for the third quarter 2025 (Q3 2025), +2% from a year earlier and -3% from the quarter before.
Was Citizens profitable in the third quarter 2025?
Operating profit was $4.5M (7.1% of revenue) and net earnings $2.4M.
Source: Citizens 10-Q on SEC EDGAR.