Citizens, Inc. (CIA)

Citizens Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	10.87	14.91	24.44	26.01	72.71	-10.99
Depreciation & Amortization	5.97	6.33	6.06	5.4	7.47	11.3
Stock-Based Compensation	2.19	1.52	0.59	0.46	0.65	2.22
Other Adjustments	-15.49	-23.04	-12.74	1.71	-5.96	5.06
Changes in Accrued Interest and Accounts Receivable	-0.05	-0.64	0.34	-2.02	0.5	2.66
Changes in Accounts Payable	6.26	13.75	-0.92	12.65	-15.45	3.7
Changes in Other Operating Activities	11.14	19.09	4.29	12.71	-19.45	34.87
Operating Cash Flow	19.72	31.92	22.06	56.92	40.46	48.83
Operating Cash Flow Growth	-28.83%	44.71%	-61.25%	40.70%	-17.16%	-32.38%
Net Change in Securities and Investments	-28.92	-26.51	-14.05	-60.64	-40.08	-61.6
Capital Expenditures	-0.45	-0.66	-0.44	-0.1	-1.01	0.01
Sale of Property, Plant & Equipment	-	-	-	-	0.01	-0.22
Investing Cash Flow	-25	-27.17	-14.5	-60.74	-41.08	-61.81
Net Change in Deposits	-3.67	-2.08	-2.56	0.08	1.08	1.77
Issuance of Common Stock	-	-	-	2.24	2.26	-
Repurchase of Common Stock	-0.3	-0.39	-0.98	-2.71	-9.09	-
Net Common Stock Issued (Repurchased)	-0.3	-0.39	-0.98	-0.46	-6.84	-
Other Financing Activities	-	-	-	-0.12	-0.46	-0.87
Financing Cash Flow	-3.97	-2.47	-3.54	-0.5	-6.22	0.9
Net Cash Flow	-9.26	2.27	4.02	-4.32	-6.84	-12.07
Free Cash Flow	19.27	31.26	21.61	56.82	39.45	48.85
Free Cash Flow Growth	-38.34%	44.60%	-61.96%	44.04%	-19.24%	-32.38%
FCF Margin	7.80%	12.76%	8.98%	24.44%	15.74%	20.45%
Free Cash Flow Per Share	0.39	0.63	0.43	1.12	0.78	0.96
Levered Free Cash Flow	32.4	52.78	33.77	54.65	44.76	41.56
Unlevered Free Cash Flow	21.52	37.87	9.33	28.65	-27.94	52.55

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q