CIA
Citizens, Inc.
Price Chart
Latest Quote
$5.85
+0.17 (+2.99%)
Current Price
| Previous Close | $5.68 |
| Open | $5.66 |
| Day High | $5.89 |
| Day Low | $5.58 |
| Volume | 98,869 |
Stock Information
| Shares Outstanding | 50.55M |
| Cash Equivalents | $16.97M |
| Revenue | $259.68M |
| Net Income | $18.48M |
| Sector | Financial Services |
| Industry | Insurance - Life |
| Market Cap | $295.74M |
| P/E Ratio | 16.71 |
| EPS (TTM) | $0.35 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $267.15M |
| Sales | $259.68M |
| Income | $18.48M |
| Book/sh | $4.74 |
| Cash/sh | $0.34 |
| Employees | 243 |
Financial Ratios
| Quick Ratio | 0.30 |
| Current Ratio | 0.65 |
Returns & Margins
| ROA | 0.79% |
| ROE | 8.09% |
| Gross Margin | 29.02% |
| Operating Margin | 3.98% |
| Profit Margin | 7.12% |
Ownership
| Insider Ownership | 11.34% |
| Institutional Ownership | 28.33% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 16.25 |
| PEG | 1.21 |
| P/S | 1.14 |
| P/B | 1.23 |
Analyst Data
| Recommendation | none |
| Target Price | $6.00 |
Technical Indicators
| SMA20 | $5.33 |
| SMA50 | $5.38 |
| SMA200 | $5.41 |
| RSI | 68.33 |
| ATR | 0.2993 |
| Shares Float | 45.16M |
| Short Float | 7.49% |
| Short Ratio | 42.44 |
| Volatility | 0.47 |
| Rel Volume | 1.79 |
Performance History
| Week | +6.36% |
| Month | +20.37% |
| Quarter | +26.35% |
| 6 Months | +2.63% |
| YTD | +17.47% |
| Year | +75.68% |
| 3 Years | +124.14% |
| 5 Years | +16.53% |
| 10 Years | -28.83% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $5.85 | 167,800 |
| 2026-06-17 | $5.68 | 72,900 |
| 2026-06-16 | $5.62 | 72,700 |
| 2026-06-15 | $5.60 | 67,700 |
| 2026-06-12 | $5.56 | 111,500 |
| 2026-06-11 | $5.50 | 65,400 |
| 2026-06-10 | $5.38 | 129,500 |
| 2026-06-09 | $5.42 | 80,000 |
| 2026-06-08 | $5.30 | 47,200 |
| 2026-06-05 | $5.18 | 176,500 |
| 2026-06-04 | $5.12 | 64,200 |
| 2026-06-03 | $4.96 | 124,300 |
| 2026-06-02 | $5.49 | 89,400 |
| 2026-06-01 | $5.36 | 51,800 |
| 2026-05-29 | $5.19 | 91,800 |
| 2026-05-28 | $5.21 | 59,500 |
| 2026-05-27 | $5.17 | 60,700 |
| 2026-05-26 | $5.06 | 200,800 |
| 2026-05-22 | $4.94 | 60,900 |
| 2026-05-21 | $4.94 | 82,600 |
| 2026-05-20 | $4.80 | 103,900 |
| 2026-05-19 | $4.86 | 63,300 |
About Citizens, Inc.
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $255,616,000 | $245,001,000 | $240,680,000 | $232,524,000 |
| Operating Revenue | $255,616,000 | $245,001,000 | $240,680,000 | $232,524,000 |
| Expenses | ||||
| Total Expenses | $238,146,000 | $230,021,000 | $214,506,000 | $205,147,000 |
| Other Income Expense | $7,066,000 | $4,587,000 | $3,627,000 | $3,675,000 |
| General And Administrative Expense | $53,041,000 | $52,266,000 | $47,131,000 | $45,177,000 |
| Loss Adjustment Expense | $153,192,000 | $147,149,000 | $135,433,000 | $128,244,000 |
| Other Operating Expenses | - | - | - | $237,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Normalized Income | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Net Income From Continuing And Discontinued Operation | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Net Income Common Stockholders | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Net Income | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Net Income Including Noncontrolling Interests | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Net Income Continuous Operations | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Pretax Income | $17,470,000 | $14,980,000 | $26,174,000 | $27,377,000 |
| Special Income Charges | - | - | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $0.28 | $0.29 | $0.48 | $0.51 |
| Basic EPS | $0.29 | $0.30 | $0.49 | $0.52 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $741,000 | $619,000 | $515,000 | $536,000 |
| Diluted Average Shares | $52,110,714 | $51,420,690 | $50,681,000 | $50,867,000 |
| Basic Average Shares | $50,297,842 | $49,907,355 | $49,696,000 | $50,139,000 |
| Diluted NI Availto Com Stockholders | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Tax Provision | $2,879,000 | $68,000 | $1,737,000 | $1,370,000 |
| Selling General And Administration | $53,041,000 | $52,266,000 | $47,131,000 | $45,177,000 |
| Other Gand A | $53,041,000 | $52,266,000 | $47,131,000 | $45,177,000 |
| Net Policyholder Benefits And Claims | $153,192,000 | $147,149,000 | $135,433,000 | $128,244,000 |
| Policyholder Benefits Gross | $153,192,000 | $147,149,000 | $135,433,000 | $128,244,000 |
| Total Unusual Items | - | - | $0 | $0 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $0 |
| Impairment Of Capital Assets | - | - | $0 | $0 |
| Other Special Charges | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $234,985,000 | $210,355,000 | $65,875,000 | $127,790,000 |
| Total Assets | $1,754,760,000 | $1,685,325,000 | $1,668,928,000 | $1,590,703,000 |
| Receivables | $22,887,000 | $18,810,000 | $16,801,000 | $16,990,000 |
| Other Receivables | $90,000 | - | - | - |
| Taxes Receivable | $624,000 | $148,000 | $1,546,000 | $601,000 |
| Accounts Receivable | $22,173,000 | $18,662,000 | $15,255,000 | $16,389,000 |
| Cash Cash Equivalents And Short Term Investments | $49,742,000 | $1,248,678,000 | $26,997,000 | $1,203,833,000 |
| Cash And Cash Equivalents | $21,422,000 | $27,717,000 | $26,997,000 | $22,973,000 |
| Goodwill And Other Intangible Assets | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,519,775,000 | $1,474,970,000 | $1,496,799,000 | $1,462,913,000 |
| Non Current Deferred Liabilities | $5,996,000 | $3,442,000 | $1,102,000 | $3,653,000 |
| Non Current Deferred Taxes Liabilities | $5,996,000 | $3,442,000 | $1,102,000 | $3,653,000 |
| Payables And Accrued Expenses | $12,958,000 | $13,368,000 | $10,082,000 | $11,851,000 |
| Payables | $12,958,000 | $13,368,000 | $10,082,000 | $11,851,000 |
| Other Payable | $4,186,000 | $4,546,000 | $3,445,000 | $1,967,000 |
| Accounts Payable | $8,772,000 | $8,822,000 | $6,637,000 | $9,884,000 |
| Dividends Payable | - | - | $44,960,000 | $41,663,000 |
| Total Tax Payable | - | - | - | - |
| Income Tax Payable | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $234,985,000 | $210,355,000 | $65,875,000 | $127,790,000 |
| Total Equity Gross Minority Interest | $234,985,000 | $210,355,000 | $172,129,000 | $127,790,000 |
| Stockholders Equity | $234,985,000 | $210,355,000 | $65,875,000 | $127,790,000 |
| Gains Losses Not Affecting Retained Earnings | $-88,421,000 | $-95,965,000 | $-118,155,000 | $-137,044,000 |
| Other Equity Adjustments | $-88,421,000 | $-95,965,000 | $-118,155,000 | $-137,044,000 |
| Retained Earnings | $71,653,000 | $57,062,000 | $42,150,000 | $16,309,000 |
| Long Term Equity Investment | $82,592,000 | $93,337,000 | $82,460,000 | - |
| Investments In Other Ventures Under Equity Method | $82,592,000 | $93,337,000 | $82,460,000 | - |
| Other | ||||
| Treasury Shares Number | $5,329,524 | $4,327,810 | $4,327,810 | $3,935,581 |
| Ordinary Shares Number | $50,297,842 | $49,907,355 | $49,554,851 | $49,822,595 |
| Share Issued | $54,625,652 | $54,235,165 | $53,882,661 | $53,758,176 |
| Tangible Book Value | $234,985,000 | $210,355,000 | $65,875,000 | $127,790,000 |
| Invested Capital | $234,985,000 | $210,355,000 | $172,129,000 | $127,790,000 |
| Total Capitalization | $234,985,000 | $210,355,000 | $65,875,000 | $127,790,000 |
| Treasury Stock | $23,725,000 | $23,725,000 | $23,725,000 | $22,806,000 |
| Capital Stock | $275,478,000 | $272,983,000 | $271,859,000 | $271,331,000 |
| Common Stock | $275,478,000 | $272,983,000 | $271,859,000 | $271,331,000 |
| Investments And Advances | $1,374,596,000 | $1,319,957,000 | $82,460,000 | $1,192,450,000 |
| Net PPE | $9,835,000 | $10,574,000 | $11,809,000 | $12,926,000 |
| Other Short Term Investments | $28,320,000 | $1,220,961,000 | $1,238,981,000 | $1,180,860,000 |
| Unrealized Gain Loss | - | - | - | $-195,279,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $17,539,000 | $31,255,000 | $21,614,000 | $56,820,000 |
| Operating Activities | ||||
| Operating Cash Flow | $17,986,000 | $31,918,000 | $22,056,000 | $56,920,000 |
| Cash Flow From Continuing Operating Activities | $17,986,000 | $31,918,000 | $22,056,000 | $56,920,000 |
| Operating Gains Losses | $-140,000 | $2,626,000 | $-760,000 | $10,291,000 |
| Investing Activities | ||||
| Capital Expenditure | $-447,000 | $-663,000 | $-442,000 | $-100,000 |
| Investing Cash Flow | $-19,672,000 | $-27,173,000 | $-14,496,000 | $-60,742,000 |
| Cash Flow From Continuing Investing Activities | $-19,672,000 | $-27,173,000 | $-14,496,000 | $-60,742,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-278,000 | $-393,000 | $-979,000 | $-2,705,000 |
| Financing Cash Flow | $-4,609,000 | $-2,471,000 | $-3,536,000 | $-499,000 |
| Cash Flow From Continuing Financing Activities | $-4,609,000 | $-2,471,000 | $-3,536,000 | $-499,000 |
| Net Other Financing Charges | $-4,331,000 | $-2,078,000 | $-2,557,000 | $-38,000 |
| Net Common Stock Issuance | $-278,000 | $-393,000 | $-979,000 | $-461,000 |
| Issuance Of Capital Stock | - | - | - | $2,244,000 |
| Common Stock Issuance | - | - | - | $2,244,000 |
| Other | ||||
| End Cash Position | $22,976,000 | $29,271,000 | $26,997,000 | $22,973,000 |
| Beginning Cash Position | $29,271,000 | $26,997,000 | $22,973,000 | $27,294,000 |
| Changes In Cash | $-6,295,000 | $2,274,000 | $4,024,000 | $-4,321,000 |
| Common Stock Payments | $-278,000 | $-393,000 | $-979,000 | $-2,705,000 |
| Net Investment Purchase And Sale | $-22,995,000 | $-30,662,000 | $-17,475,000 | $-63,274,000 |
| Sale Of Investment | $164,580,000 | $69,960,000 | $72,645,000 | $83,940,000 |
| Purchase Of Investment | $-187,575,000 | $-100,622,000 | $-90,120,000 | $-147,214,000 |
| Net PPE Purchase And Sale | $-447,000 | $-663,000 | $-442,000 | $-100,000 |
| Purchase Of PPE | $-447,000 | $-663,000 | $-442,000 | $-100,000 |
| Change In Working Capital | $14,568,000 | $32,198,000 | $3,713,000 | $23,350,000 |
| Change In Other Working Capital | $-645,000 | $-1,414,000 | $-1,616,000 | $-674,000 |
| Change In Payables And Accrued Expense | $-1,808,000 | $15,152,000 | $-1,839,000 | $12,813,000 |
| Change In Payable | $-1,808,000 | $15,152,000 | $-1,839,000 | $12,813,000 |
| Change In Tax Payable | $-476,000 | $1,398,000 | $-922,000 | $161,000 |
| Change In Income Tax Payable | $-476,000 | $1,398,000 | $-922,000 | $161,000 |
| Change In Receivables | $-3,511,000 | $-3,407,000 | $1,134,000 | $-102,000 |
| Changes In Account Receivables | $-3,511,000 | $-3,407,000 | $1,134,000 | $-102,000 |
| Stock Based Compensation | $2,774,000 | $1,517,000 | $588,000 | $461,000 |
| Amortization Of Securities | $-16,015,000 | $-18,154,000 | $-7,297,000 | $-5,648,000 |
| Deferred Tax | $1,467,000 | $-1,800,000 | $860,000 | $1,923,000 |
| Deferred Income Tax | $1,467,000 | $-1,800,000 | $860,000 | $1,923,000 |
| Depreciation And Amortization | $741,000 | $619,000 | $515,000 | $536,000 |
| Depreciation | $741,000 | $619,000 | $515,000 | $536,000 |
| Gain Loss On Investment Securities | $-140,000 | $2,626,000 | $-760,000 | $10,291,000 |
| Net Income From Continuing Operations | $14,591,000 | $14,912,000 | $24,437,000 | $26,007,000 |
| Income Tax Paid Supplemental Data | - | $500,000 | $1,800,000 | $300,000 |
| Sale Of PPE | - | - | $0 | $0 |
| Asset Impairment Charge | - | - | $0 | $0 |
Fetched: 2026-06-17