Citizens (CIA) Financial Ratios: P/E, ROE & More

Citizens Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

Scroll to see more

Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	16.65	13.42	5.46	4.09	3.64	-
Forward P/E	17.25	11.14	50.65	50.65	50.65	50.65
P/S Ratio	0.95	0.82	0.55	0.46	1.05	1.21
P/B Ratio	1.03	0.95	0.77	0.83	0.82	0.96
Price/Tangible Book	1.03	0.95	0.77	0.83	0.82	1.01
Price/FCF	13.85	6.40	6.17	1.88	6.70	5.96
Price/OCF	13.51	6.27	6.04	1.87	6.54	5.93
Enterprise Value Ratios
EV/Revenue	0.87	0.69	0.48	0.37	0.94	1.09
EV/EBITDA	12.16	10.75	4.37	3.06	5.29	-
EV/EBIT	12.67	11.20	4.45	3.12	5.43	-
EV/FCF	12.62	5.37	5.39	1.50	5.94	5.34
Profitability & Returns
Return on Equity (ROE)	6.55%	7.80%	16.30%	11.60%	23.40%	-3.92%
Return on Assets (ROA)	0.64%	0.56%	1.00%	0.99%	1.46%	-0.08%
Return on Invested Capital (ROIC)	6.45%	7.80%	16.30%	11.60%	13.88%	-0.83%
Leverage & Solvency Ratios
Debt/Equity	0.03	-	-	-	-	-
Debt/EBITDA	0.40	-	-	-	-	-
Debt/FCF	0.42	-	-	-	-	-
Liquidity Ratios
Current Ratio	0.68	0.71	0.70	0.65	0.64	0.50
Quick Ratio	0.35	0.43	0.46	0.41	0.41	0.34
Efficiency Ratios
Asset Turnover	0.15	0.15	0.15	0.14	0.14	0.13
Yield & Distribution Ratios
Earnings Yield	6.01%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	7.22%	15.62%	16.21%	53.35%	14.92%	16.79%
Buyback Yield	-1.39%	-0.13%	0.37%	-0.44%	0.58%	-1.17%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Citizens Financial Ratios

What is Citizens's P/E ratio?

Citizens's P/E ratio was 16.65 for fiscal 2025 (period ended Dec 31, 2025). It was 13.42 a year earlier.

What is Citizens's return on equity?

Citizens's return on equity (ROE) was 6.6% for fiscal 2025 (period ended Dec 31, 2025). It was 7.8% a year earlier.

What is Citizens's debt-to-equity ratio?

Citizens's debt-to-equity ratio was 0.03 for fiscal 2025 (period ended Dec 31, 2025).

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition