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Side-by-side financial comparison of CITIZENS, INC. (CIA) and CENTRAL PACIFIC FINANCIAL CORP (CPF). Click either name above to swap in a different company.
CENTRAL PACIFIC FINANCIAL CORP is the larger business by last-quarter revenue ($72.9M vs $72.1M, roughly 1.0× CITIZENS, INC.). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 10.2%, a 18.2% gap on every dollar of revenue. On growth, CITIZENS, INC. posted the faster year-over-year revenue change (13.5% vs 6.0%). Over the past eight quarters, CITIZENS, INC.'s revenue compounded faster (11.7% CAGR vs 6.7%).
Citizen Watch Co., Ltd. , also known as the Citizen Group, is an electronics company primarily known for its watches and is the core company of a Japanese global corporate group based in Nishitokyo, Tokyo, Japan. In addition to Citizen brand watches, it is the parent of American watch company Bulova. Beyond watches, Citizen also manufactures calculators, printers, health care devices, and precision CNC machining equipment.
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
CIA vs CPF — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $72.1M | $72.9M |
| Net Profit | $7.3M | $20.7M |
| Gross Margin | — | — |
| Operating Margin | 10.9% | — |
| Net Margin | 10.2% | 28.4% |
| Revenue YoY | 13.5% | 6.0% |
| Net Profit YoY | 102.7% | 16.7% |
| EPS (diluted) | — | $0.78 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $72.9M | ||
| Q4 25 | $72.1M | $76.3M | ||
| Q3 25 | $62.8M | $74.8M | ||
| Q2 25 | $65.1M | $72.8M | ||
| Q1 25 | $55.7M | $68.8M | ||
| Q4 24 | $63.5M | $58.4M | ||
| Q3 24 | $61.7M | $66.6M | ||
| Q2 24 | $62.1M | $64.0M |
| Q1 26 | — | $20.7M | ||
| Q4 25 | $7.3M | $22.9M | ||
| Q3 25 | $2.4M | $18.6M | ||
| Q2 25 | $6.5M | $18.3M | ||
| Q1 25 | $-1.6M | $17.8M | ||
| Q4 24 | $3.6M | $11.3M | ||
| Q3 24 | $2.8M | $13.3M | ||
| Q2 24 | $4.0M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | 10.9% | 37.0% | ||
| Q3 25 | 7.1% | 31.6% | ||
| Q2 25 | 10.6% | 32.8% | ||
| Q1 25 | -3.2% | 32.8% | ||
| Q4 24 | 5.9% | 23.0% | ||
| Q3 24 | 4.9% | 25.6% | ||
| Q2 24 | 5.3% | 32.2% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | 10.2% | 30.0% | ||
| Q3 25 | 3.8% | 24.8% | ||
| Q2 25 | 9.9% | 25.1% | ||
| Q1 25 | -2.9% | 25.8% | ||
| Q4 24 | 5.7% | 19.4% | ||
| Q3 24 | 4.5% | 20.0% | ||
| Q2 24 | 6.4% | 24.7% |
| Q1 26 | — | $0.78 | ||
| Q4 25 | — | $0.85 | ||
| Q3 25 | — | $0.69 | ||
| Q2 25 | — | $0.67 | ||
| Q1 25 | — | $0.65 | ||
| Q4 24 | — | $0.42 | ||
| Q3 24 | — | $0.49 | ||
| Q2 24 | — | $0.58 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.0M | — |
| Total DebtLower is stronger | — | $76.5M |
| Stockholders' EquityBook value | $235.0M | $593.9M |
| Total Assets | $1.8B | $7.5B |
| Debt / EquityLower = less leverage | — | 0.13× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $23.0M | — | ||
| Q3 25 | $23.1M | — | ||
| Q2 25 | $22.7M | — | ||
| Q1 25 | $18.4M | — | ||
| Q4 24 | $29.3M | — | ||
| Q3 24 | $32.4M | — | ||
| Q2 24 | $26.3M | — |
| Q1 26 | — | $76.5M | ||
| Q4 25 | — | $76.5M | ||
| Q3 25 | — | $131.5M | ||
| Q2 25 | — | $131.5M | ||
| Q1 25 | — | $131.4M | ||
| Q4 24 | — | $156.3M | ||
| Q3 24 | — | $156.3M | ||
| Q2 24 | — | $156.2M |
| Q1 26 | — | $593.9M | ||
| Q4 25 | $235.0M | $592.6M | ||
| Q3 25 | $225.6M | $588.1M | ||
| Q2 25 | $229.0M | $568.9M | ||
| Q1 25 | $218.1M | $557.4M | ||
| Q4 24 | $210.4M | $538.4M | ||
| Q3 24 | $207.6M | $543.7M | ||
| Q2 24 | $191.5M | $518.6M |
| Q1 26 | — | $7.5B | ||
| Q4 25 | $1.8B | $7.4B | ||
| Q3 25 | $1.7B | $7.4B | ||
| Q2 25 | $1.7B | $7.4B | ||
| Q1 25 | $1.7B | $7.4B | ||
| Q4 24 | $1.7B | $7.5B | ||
| Q3 24 | $1.7B | $7.4B | ||
| Q2 24 | $1.7B | $7.4B |
| Q1 26 | — | 0.13× | ||
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.22× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.29× | ||
| Q3 24 | — | 0.29× | ||
| Q2 24 | — | 0.30× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $18.0M | — |
| Free Cash FlowOCF − Capex | $17.5M | — |
| FCF MarginFCF / Revenue | 24.3% | — |
| Capex IntensityCapex / Revenue | 0.6% | — |
| Cash ConversionOCF / Net Profit | 2.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | $26.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $18.0M | $97.5M | ||
| Q3 25 | $4.7M | $22.2M | ||
| Q2 25 | $3.5M | $34.3M | ||
| Q1 25 | $748.0K | $20.4M | ||
| Q4 24 | $31.9M | $90.5M | ||
| Q3 24 | $9.7M | $21.3M | ||
| Q2 24 | $4.6M | $25.9M |
| Q1 26 | — | — | ||
| Q4 25 | $17.5M | $92.3M | ||
| Q3 25 | $4.6M | $21.4M | ||
| Q2 25 | $3.3M | $32.3M | ||
| Q1 25 | $641.0K | $19.6M | ||
| Q4 24 | $31.3M | $75.4M | ||
| Q3 24 | $9.3M | $15.6M | ||
| Q2 24 | $4.5M | $21.3M |
| Q1 26 | — | — | ||
| Q4 25 | 24.3% | 121.0% | ||
| Q3 25 | 7.3% | 28.6% | ||
| Q2 25 | 5.1% | 44.3% | ||
| Q1 25 | 1.2% | 28.4% | ||
| Q4 24 | 49.2% | 129.2% | ||
| Q3 24 | 15.1% | 23.5% | ||
| Q2 24 | 7.2% | 33.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 6.8% | ||
| Q3 25 | 0.1% | 1.2% | ||
| Q2 25 | 0.3% | 2.7% | ||
| Q1 25 | 0.2% | 1.3% | ||
| Q4 24 | 1.0% | 25.8% | ||
| Q3 24 | 0.6% | 8.5% | ||
| Q2 24 | 0.2% | 7.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.45× | 4.26× | ||
| Q3 25 | 1.93× | 1.20× | ||
| Q2 25 | 0.54× | 1.88× | ||
| Q1 25 | — | 1.15× | ||
| Q4 24 | 8.81× | 7.98× | ||
| Q3 24 | 3.48× | 1.60× | ||
| Q2 24 | 1.16× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
