Filing Flows › Citizens (CIA) › Q4 2025
Citizens (CIA) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 12, 2026
Citizens (CIA) reported revenue of $72.1M for the fourth quarter 2025 (Q4 2025), +14% from a year earlier and +15% from the quarter before. Operating margin was 10.9%, net earnings $7.3M (10.2% of revenue).
Citizens, Q4 2025: revenue $72.1M (+14% year over year), operating margin 10.9%, net earnings $7.3M, operating cash flow $9.1M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $72.1M | +15% | +14% |
| Operating profit | $7.9M | +76% | +112% |
| Net earnings | $7.3M | +204% | +103% |
| Operating cash flow | $9.1M | +95% | -16% |
| Free cash flow | $9.0M | +95% | -16% |
What changed
Revenue was $72.1M in Q4 2025, up 14% year over year and up 15% from the previous quarter.
Operating profit was $7.9M, a 10.9% margin (up 5.1 points year over year). Of the extra revenue versus a year earlier, 48% reached operating profit, above the 6% margin then. Total costs grew 7% against revenue growth of 14%. Net earnings were $7.3M, up 103% year over year. The effective tax rate was 6.7%.
Operating cash flow was $9.1M (down 16% year over year), 124% of net earnings. Non-cash charges added back $206K of depreciation. Working capital and other items added $1.6M. Capital expenditures of $104K left free cash flow of $9.0M.
Questions
What was Citizens' revenue in the fourth quarter 2025?
Citizens (CIA) reported revenue of $72.1M for the fourth quarter 2025 (Q4 2025), +14% from a year earlier and +15% from the quarter before.
Was Citizens profitable in the fourth quarter 2025?
Operating profit was $7.9M (10.9% of revenue) and net earnings $7.3M.
Source: Citizens 10-K on SEC EDGAR.