Citizens Financial Corporation

CFIN

Insurance - Life · Financial Services

Price

$7600.00

+100.00 (+1.33%)

Market Cap

$38.0M

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count falling — buybacks

−4.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 7K (2002) → 7K (2006)

Citizens Financial Corporation is a small financial services company that sells life insurance products to individual customers. Life insurance pays money to a person's family if that person passes away, giving families financial protection. The company operates in the insurance industry, which is highly regulated and competitive.

The company earns money by collecting premiums — regular payments customers make to keep their insurance policies active. Its 100% gross margin reflects the nature of insurance accounting, but its negative operating margin means it is currently spending more to run the business than it earns after claims and expenses. Citizens Financial Corporation is a very small company, with a market cap near zero, which limits its resources compared to large national insurers like MetLife or Prudential. The main risk the business faces is sustaining operations at this size, as small insurers often struggle to spread costs across enough policyholders to remain profitable over the long term.

Winston Score History

Politician Trades

3 trades / 12mo

1 Congressional buy and 2 sells on CFIN in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+14.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+177.2% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~3 years

$8M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$8M cash & investments at current burn rate

Growth context

Citizens Financial Corporation is growing revenue at 15% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

3.6%

Thin — 3.6% operating margin

ROCE

1.7%

Weak — 1.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-6.1%

Shrinking sales (-6.1% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-8.5%

Burning cash (-8.5%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.46

Conservative — low debt load (0.46)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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