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Citizens(NYSE) CIA

Market Cap$192.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1986)+37%
5 Year-35%
1 Year-24%
1 Month-17%
Premium Feature
Moneyball Superscore
56/100
$3.92
+2.89%
+0.11Today
After hours$3.89-$0.03 (-0.77%)
Citizens last closing stock price
MetricPriceDate
Last closeUSD 3.892026-09-02
Citizens stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.02%USD 3.932026-08-26
1 month-16.52%USD 4.662026-08-03
3 month-24.02%USD 5.122026-06-04
Year to date-19.46%USD 4.832025-12-31
1 year-24.47%USD 5.152025-09-02
3 year+28.81%USD 3.022023-09-01
5 year-35.06%USD 5.992021-09-03
Since inception+36.56%USD 2.791986-10-08

Citizens Financials at a Glance

Market Cap

$192.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$253.51M

Net Income (TTM)

$11.60M

EPS (TTM)

$0.22

P/E Ratio

16.94

Dividend

$0.00

Beta (Volatility)

0.76 (Low)

Price

$3.92

Volume

141,918.074

Open

$3.85

Previous Close

$3.89

Daily Range

$3.85 - $3.97

52-Week Range

$3.56 - $6.54

Estimated Earnings Date

Nov 5, 2026

CIA News

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Citizens (CIA) Q2 Net Income Jumps 63%

Motley Fool Markets TeamAug 7, 2025

9 Insurance Stocks Insiders Are Buying

Cindy JohnsonJun 29, 2011

CIA: Motley Fool Moneyball Superscore

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About Citizens

Citizens, Inc. helps families prepare for the future with life insurance. They provide cash benefits to people during life or after death. These plans help people manage costs and reach financial goals.

Global and Domestic Insurance Plans

  • International Insurance: Concentrates on whole life and endowment policies for people outside the United States; generated $53.6 million in premiums during the six-month period ended June 30, 2026.
  • Domestic Insurance: Provides final expense and whole life products in the United States; generated $30.1 million in premiums during the six-month period ended June 30, 2026.
  • Endowment Policies: Pay a benefit to the policyholder if they live to a certain date or to their beneficiaries if they die earlier.
  • Final Expense Insurance: Designed for lower-income households to cover end-of-life costs such as funerals; marketed through funeral homes and independent agents.

Strategic Partnerships and New Products

  • Entered a coinsurance agreement with RGA Reinsurance Company in the second quarter of 2024 to support growth.
  • Introduced a new life insurance product in 2024 for customers with maturing endowment policies.
  • Renewed a credit facility with Regions Bank for three years on May 3, 2024.

Serving Niche Markets Globally

Citizens serves policyholders in over 80 countries through a network of independent agencies and specialized consultants. The company targets niche insurance markets where it can offer specialized individual whole life and endowment products.

Key Numbers and Recent Performance

  • Net income before federal income tax was $1.8 million for the six-month period ended June 30, 2026.
  • Direct premium revenue was $92.0 million for the six-month period ended June 30, 2026, up 4% year over year.
  • Total direct insurance in force reached $5.5 billion as of June 30, 2026.
  • Fixed maturity securities comprised 89% of the $1.4 billion total investments as of June 30, 2026.

Bottom Line

Citizens has moved from focusing on international endowments to growing its domestic insurance business. This shift and a conservative investment strategy help the company meet its long-term financial promises.

AI Generated • Aug 7, 2026

Industry

Insurance

Sector

Financials

Employees

246

CEO

Jon S. Stenberg, MBA

Website

www.citizensinc.com

Headquarters

Austin, TX 78758, US

CIA Financials

Key Financial Metrics (TTM)

Gross Margin

33.39%

Operating Margin

5.60%

Net Income Margin

4.57%

Return on Equity

4.96%

Return on Capital

7.43%

Return on Assets

0.66%

Earnings Yield

5.90%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$192.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

50.64M

Volume

141.92K

Avg. Volume

134.85K

Financials (TTM)

Gross Profit

$84.65M

Operating Income

$14.19M

EBITDA

$14.84M

Operating Cash Flow

$15.49M

Capital Expenditure

-$525.00K

Free Cash Flow

$14.97M

Cash & ST Invst.

$31.87M

Total Debt

$0.00

Citizens Performance Analysis

Citizens annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 232,524,000-6.8%
20232023-12-31USD 240,680,0003.5%
20242024-12-31USD 245,001,0001.8%
20252025-12-31USD 255,616,0004.3%
Citizens sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-3.5%
Q42025-12-3114.7%
Q12026-03-31-19.2%
Q22026-06-303.7%
Citizens annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.51-29.8%
20232023-12-31USD 0.48-5.7%
20242024-12-31USD 0.29-39.1%
20252025-12-31USD 0.28-3.5%
Citizens sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-63.8%
Q42025-12-31219.1%
Q12026-03-31-70.3%
Q22026-06-30-118.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$60.41M

-7.2%

Gross Profit

$26.66M

-19.5%

Gross Margin

44.13%

N/A

Market Cap

$192.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$787.55K

N/A

Employees

245

N/A

Net Income

-$425.00K

-106.6%

EBITDA

-$349.00K

-104.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$31.87M

-24.5%

Total Debt

$0.00

N/A

Accounts Receivable

$45.69M

+17.8%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.66%

N/A

Return on Invested Capital

0.83%

N/A

Free Cash Flow

$2.01M

-38.9%

Operating Cash Flow

$2.05M

-41.0%

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Questions About CIA

What is the current price of Citizens?

Citizens is trading at $3.89 per share.

What is the 52-week range for Citizens?

Over the past 52 weeks, Citizens has traded between $3.56 and $6.54.

How much debt does Citizens have?

As of the most recent reporting period, Citizens reported total debt of $0.00.

How much cash does Citizens have on hand?

Citizens reported $16.96M in cash and cash equivalents in its most recent financial results.

What is Citizens’s dividend yield?

Citizens does not currently have a dividend yield.

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