Citizens, Inc.

Citizens, Inc.

CIA
Citizens, Inc.US flagNew York Stock Exchange
4.96
USD
-0.53
- -
250.75MMarket Cap
Citizens, Inc.
CIA
(New York Stock Exchange)

Recent

price

4.96

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.83
3.9
4.05
4.27
4.6
4.72
4.9
5.04
4.87
5.49
4.78
5.04
4.64
4.84
4.91
5.1
5.17
Revenue per Share
0.3
0.17
0.09
0.1
-0.12
-0.06
0.04
-0.76
-0.22
-0.03
-0.22
1.46
0.52
0.49
0.3
0.29
0.37
Basic EPS, GAAP
1.18
1.25
1.37
1.62
1.95
1.73
2
1.83
1.68
1.57
0.97
0.79
1.13
0.43
0.63
0.35
0.32
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-0.45
4.82
4.9
4.99
4.86
4.88
4.92
4.16
3.86
4.24
3.68
4.49
5.74
6.32
6.61
6.92
6.96
Book Value per Share
4.22
4.06
4.4
4.08
4.32
4.14
4.22
3.84
3.48
5.39
5.75
6.43
2.55
3.46
4.21
4.69
4.75
Tangible Book Value per Share
50
50
50
50
50
50
50
50
50
46
50
50
50
50
50
50
50
Basic Weighted Avg Shares
190
194
203
214
230
236
245
253
244
251
239
251
233
241
245
256
260
Sales/Revenue/Turnover
- -
- -
- -
3.24
-1.21
- -
- -
-1.18
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
4
4
4
3
3
3
1
1
2
1
1
1
1
1
1
1
Depreciation Expense
15
8
5
5
-6
-3
2
-38
-11
-1
-11
73
26
24
15
15
18
Net Income, GAAP
20.04
25.14
24.97
30.85
- -
- -
64.09
- -
652.55
123.85
- -
- -
5
6.64
0.45
16.48
14.56
Effective Tax Rate (%)
7.73
4.37
2.23
2.24
-2.59
-1.33
0.8
-15.09
-4.53
-0.55
-4.6
29.02
11.18
10.15
6.09
5.71
7.12
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
228
248
263
246
258
247
249
224
188
260
301
321
128
172
210
235
239
Total Equity
- -
- -
- -
1.88
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
-48.47
7.81
1.87
1.94
- -
- -
0.8
- -
-5.51
-0.71
- -
- -
10.18
8.12
4.63
4.31
5.45
Return on Capital (%)
- -
- -
1.87
1.94
-2.42
-1.29
0.8
-16.78
-5.51
-0.71
-5.82
35.74
10.18
8.12
4.63
4.31
5.45
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
50
50
50
Market Capitalization
263
242
253

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
53
50
37
Accounts Receivable, Net
20
22
22
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
14
13
13
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.38%
3%
11.71%
Free Cash Flow
-8.41%
-7.21%
-43.88%
Net Income, GAAP
-252.87%
-174.62%
-2.15%
Sales/Revenue/Turnover
0.88%
1.47%
4.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
58
62
62
63
245
2025
56
65
63
72
256
2026
60
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.09
0.08
0.06
0.07
0.3
2025
-0.03
0.13
0.05
0.15
0.29
2026
0.05
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Citizens, Inc. (NYSE: CIA) is a diversified financial services holding company that provides life insurance, living benefits, final expense insurance, and related products through its subsidiaries in niche domestic and international markets. Founded in 1969 and headquartered in Austin, Texas, the company operates primarily through two segments: Life Insurance, which offers U.S. dollar-denominated whole life insurance, living-benefit life insurance products, credit life and health insurance; and Home Service Insurance, which provides final expense life insurance, critical illness products, and accident and health insurance to middle- and lower-income households in Louisiana, Mississippi, and Arkansas. Key subsidiaries include CICA Life Insurance Company, serving Latin America and Taiwan with living-benefit products tailored to Spanish- and Portuguese-speaking customers; CICA Life of America, focusing on culturally customized life and critical illness coverage; and Security Plan Life Insurance Company, Inc., offering final expense policies via funeral homes and independent agents. The company targets underserved markets, including Hispanic communities in the U.S. and international policyholders, with operations licensed in 43 U.S. states and Washington, D.C., alongside global distribution through an expanding network of agents. Recent developments include record total direct insurance in force reaching $5.35 billion as of June 30, 2025, up 4.4% year-over-year, driven by strong sales of new domestic and international products; direct first-year premiums increasing for eleven consecutive quarters, with 20% growth in Q2 2025; a 50% expansion in the global agent network since March 2024; strategic partnerships such as with Allegiant for Superior Choice Final Expense products via captive and brokerage channels, and with Alliance Group for white-label living benefits products in Spanish and Portuguese; executive appointments including Jon Stenberg as President in March 2024, Bryon Matthew Lewis as Chief Operating Officer, and Paula Guerrero as Chief Information Officer; AM Best affirming B++ (Good) Financial Strength Rating for CICA Life Insurance Company of America in August 2024; and filing a new Form S-3 shelf registration statement in 2024.

Company News

APIChat
  • Champion Iron Limited (CIA:CA) Q4 2026 Earnings Call Transcript

  • Citizens, Inc. Reports First Quarter 2026 Financial Results

  • 5 Stones intelligence (5Si)® Expands Leadership Team With Senior Experts From CIA, NSA, and Homeland Security Investigations

  • Citizens Target of Unusually Large Options Trading (NYSE:CIA)

  • Citizens, Inc. to Participate at Emerging Growth Virtual Conference on April 2, 2026

  • Citizens (CIA) Q4 Earnings and Revenues Surpass Estimates

  • Citizens, Inc. Reports Full Year and Fourth Quarter 2025 Financial Results

  • Citizens (NYSE:CIA) Shares Cross Above Two Hundred Day Moving Average – Here’s Why

  • Citizens (NYSE:CIA) Stock Price Passes Above Two Hundred Day Moving Average – Should You Sell?

  • Champion Iron Q3 Earnings Call Highlights

  • Champion Iron Limited (CIA:CA) Q3 2026 Earnings Call Transcript

  • Citizens, Inc. to Participate at Noble Capital Markets' Emerging Growth Virtual Conference on February 4 and 5, 2026

  • Champion Iron (TSE:CIA) Reaches New 1-Year High – Time to Buy?

  • Champion Iron Limited (CIA:CA) M&A Call Transcript

  • Champion Iron Limited (CIA:CA) M&A Call Transcript

  • Critical Analysis: Citizens (NYSE:CIA) and Abacus Life (NASDAQ:ABL)

  • Presenting on Emerging Growth Conference 88 Day 1 on December 10; Register to live stream

  • Citizens, Inc. Announces Plans for Upcoming Investor Conferences

  • Citizens (CIA) Tops Q3 Earnings and Revenue Estimates

  • Citizens, Inc. Reports Third Quarter 2025 Financial Results