Symbols / CIA Stock $5.41 -1.73% Citizens, Inc.

Financial Services • Insurance - Life • United States • NYQ
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Life
CEO Mr. Jon Scott Stenberg
Exch · Country NYQ · United States
Market Cap 273.24M
Enterprise Value 261.08M
Income 18.48M
Sales 259.68M
FCF (ttm) 9.06M
Book/sh 4.74
Cash/sh 0.34
Employees 243
Insider 10d —
IPO Dec 04, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 15.44
Forward P/E 15.01
PEG 1.21
P/S 1.05
P/B 1.14
P/C —
EV/EBITDA 11.66
EV/Sales 1.00
Quick Ratio 0.30
Current Ratio 0.65
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.35
EPS next Y 0.36
EPS Growth —
Revenue Growth 7.30%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-08-06
Earnings (prior) 2026-05-07
ROA 0.79%
ROE 8.09%
ROIC —
Gross Margin 29.02%
Oper. Margin 3.98%
Profit Margin 7.12%
Shs Outstand 50.55M
Shs Float 45.16M
Insider Own 11.34%
Instit Own 28.33%
Short Float 7.49%
Short Ratio 42.44
Short Interest 3.70M
52W High 6.40
vs 52W High -15.55%
52W Low 3.25
vs 52W Low 66.31%
Beta 0.47
Impl. Vol. 1.60%
Rel Volume 0.14
Avg Volume 102.40K
Volume 14.20K
Target (mean) $6.00
Tgt Median $6.00
Tgt Low $6.00
Tgt High $6.00
# Analysts 1
Recom None
Prev Close $5.50
Price $5.41
Change -1.73%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$6.00
Mean price target
2. Current target
$5.41
Latest analyst target
3. DCF / Fair value
$3.23
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$5.41
Low
$6.00
High
$6.00
Mean
$6.00
News
RSS: Latest CIA news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-29 DAVIS JERRY DODD JR Director — 1,820 $5.23 $9,945
2026-05-21 STENBERG JON Chief Executive Officer — 10,000 $4.82 $48,192
2026-04-07 DAVIS CYNTHIA H Director — 261 $4.52 $1,348
2026-03-31 CONKLIN JEFFERY P. Chief Financial Officer — 15,528 — —
2026-03-31 KINLAW SHERYL L Officer — 13,664 — —
2026-03-31 LEWIS BRYON MATTHEW Chief Operating Officer — 2,197 — —
2026-03-31 STENBERG JON Chief Executive Officer — 13,186 — —
2026-03-31 GUERRERO PAULA L Chief Technology Officer — 4,120 — —
2026-03-30 STENBERG JON Chief Executive Officer — 50,000 $4.70 $235,000
2026-03-27 CONKLIN JEFFERY P. Chief Financial Officer — 24,950 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
255.62
+4.33%
245.00
+1.80%
240.68
+3.51%
232.52
Operating Revenue
255.62
+4.33%
245.00
+1.80%
240.68
+3.51%
232.52
Selling General And Administration
53.04
+1.48%
52.27
+10.90%
47.13
+4.33%
45.18
General And Administrative Expense
53.04
+1.48%
52.27
+10.90%
47.13
+4.33%
45.18
Other Gand A
53.04
+1.48%
52.27
+10.90%
47.13
+4.33%
45.18
Other Operating Expenses
—
—
—
0.24
Total Expenses
238.15
+3.53%
230.02
+7.23%
214.51
+4.56%
205.15
Reconciled Depreciation
0.74
+19.71%
0.62
+20.19%
0.52
-3.92%
0.54
Total Unusual Items
—
—
0.00
0.00
Total Unusual Items Excluding Goodwill
—
—
0.00
0.00
Special Income Charges
—
—
0.00
0.00
Other Special Charges
—
—
—
—
Impairment Of Capital Assets
—
—
0.00
0.00
Net Income
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Pretax Income
17.47
+16.62%
14.98
-42.77%
26.17
-4.39%
27.38
Other Income Expense
7.07
+54.04%
4.59
+26.47%
3.63
-1.31%
3.67
Tax Provision
2.88
+4133.82%
0.07
-96.09%
1.74
+26.79%
1.37
Tax Rate For Calcs
0.00
+3200.00%
0.00
-92.42%
0.00
+32.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Net Income From Continuing Operation Net Minority Interest
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Net Income From Continuing And Discontinued Operation
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Net Income Continuous Operations
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Normalized Income
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Net Income Common Stockholders
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Diluted EPS
0.28
-3.45%
0.29
-39.58%
0.48
-5.88%
0.51
Basic EPS
0.29
-2.91%
0.30
-39.02%
0.49
-5.77%
0.52
Basic Average Shares
50.30
+0.78%
49.91
+0.43%
49.70
-0.88%
50.14
Diluted Average Shares
52.11
+1.34%
51.42
+1.46%
50.68
-0.37%
50.87
Diluted NI Availto Com Stockholders
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Loss Adjustment Expense
153.19
+4.11%
147.15
+8.65%
135.43
+5.61%
128.24
Net Policyholder Benefits And Claims
153.19
+4.11%
147.15
+8.65%
135.43
+5.61%
128.24
Policyholder Benefits Gross
153.19
+4.11%
147.15
+8.65%
135.43
+5.61%
128.24
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,754.76
+4.12%
1,685.33
+0.98%
1,668.93
+4.92%
1,590.70
Cash Cash Equivalents And Short Term Investments
49.74
-96.02%
1,248.68
+4525.25%
27.00
-97.76%
1,203.83
Cash And Cash Equivalents
21.42
-22.71%
27.72
+2.67%
27.00
+17.52%
22.97
Other Short Term Investments
28.32
-97.68%
1,220.96
-1.45%
1,238.98
+4.92%
1,180.86
Receivables
22.89
+21.67%
18.81
+11.96%
16.80
-1.11%
16.99
Accounts Receivable
22.17
+18.81%
18.66
+22.33%
15.26
-6.92%
16.39
Other Receivables
0.09
—
—
—
Taxes Receivable
0.62
+321.62%
0.15
-90.43%
1.55
+157.24%
0.60
Net PPE
9.84
-6.99%
10.57
-10.46%
11.81
-8.64%
12.93
Goodwill And Other Intangible Assets
—
—
—
—
Investments And Advances
1,374.60
+4.14%
1,319.96
+1500.72%
82.46
-93.08%
1,192.45
Long Term Equity Investment
82.59
-11.51%
93.34
+13.19%
82.46
—
Total Liabilities Net Minority Interest
1,519.78
+3.04%
1,474.97
-1.46%
1,496.80
+2.32%
1,462.91
Payables And Accrued Expenses
12.96
-3.07%
13.37
+32.59%
10.08
-14.93%
11.85
Payables
12.96
-3.07%
13.37
+32.59%
10.08
-14.93%
11.85
Accounts Payable
8.77
-0.57%
8.82
+32.92%
6.64
-32.85%
9.88
Other Payable
4.19
-7.92%
4.55
+31.96%
3.44
+75.14%
1.97
Dividends Payable
—
—
44.96
+7.91%
41.66
Total Tax Payable
—
—
—
—
Income Tax Payable
—
—
—
—
Non Current Deferred Liabilities
6.00
+74.20%
3.44
+212.34%
1.10
-69.83%
3.65
Non Current Deferred Taxes Liabilities
6.00
+74.20%
3.44
+212.34%
1.10
-69.83%
3.65
Stockholders Equity
234.99
+11.71%
210.35
+219.32%
65.88
-48.45%
127.79
Common Stock Equity
234.99
+11.71%
210.35
+219.32%
65.88
-48.45%
127.79
Capital Stock
275.48
+0.91%
272.98
+0.41%
271.86
+0.19%
271.33
Common Stock
275.48
+0.91%
272.98
+0.41%
271.86
+0.19%
271.33
Share Issued
54.63
+0.72%
54.24
+0.65%
53.88
+0.23%
53.76
Ordinary Shares Number
50.30
+0.78%
49.91
+0.71%
49.55
-0.54%
49.82
Treasury Shares Number
5.33
+23.15%
4.33
+0.00%
4.33
+9.97%
3.94
Retained Earnings
71.65
+25.57%
57.06
+35.38%
42.15
+158.45%
16.31
Gains Losses Not Affecting Retained Earnings
-88.42
+7.86%
-95.97
+18.78%
-118.16
+13.78%
-137.04
Treasury Stock
23.73
+0.00%
23.73
+0.00%
23.73
+4.03%
22.81
Other Equity Adjustments
-88.42
+7.86%
-95.97
+18.78%
-118.16
+13.78%
-137.04
Total Equity Gross Minority Interest
234.99
+11.71%
210.35
+22.21%
172.13
+34.70%
127.79
Total Capitalization
234.99
+11.71%
210.35
+219.32%
65.88
-48.45%
127.79
Invested Capital
234.99
+11.71%
210.35
+22.21%
172.13
+34.70%
127.79
Net Tangible Assets
234.99
+11.71%
210.35
+219.32%
65.88
-48.45%
127.79
Tangible Book Value
234.99
+11.71%
210.35
+219.32%
65.88
-48.45%
127.79
Investments In Other Ventures Under Equity Method
82.59
-11.51%
93.34
+13.19%
82.46
—
Unrealized Gain Loss
—
—
—
-195.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
17.99
-43.65%
31.92
+44.71%
22.06
-61.25%
56.92
Cash Flow From Continuing Operating Activities
17.99
-43.65%
31.92
+44.71%
22.06
-61.25%
56.92
Net Income From Continuing Operations
14.59
-2.15%
14.91
-38.98%
24.44
-6.04%
26.01
Depreciation
0.74
+19.71%
0.62
+20.19%
0.52
-3.92%
0.54
Depreciation And Amortization
0.74
+19.71%
0.62
+20.19%
0.52
-3.92%
0.54
Stock Based Compensation
2.77
+82.86%
1.52
+157.99%
0.59
+27.55%
0.46
Asset Impairment Charge
—
—
0.00
0.00
Deferred Tax
1.47
+181.50%
-1.80
-309.30%
0.86
-55.28%
1.92
Deferred Income Tax
1.47
+181.50%
-1.80
-309.30%
0.86
-55.28%
1.92
Operating Gains Losses
-0.14
-105.33%
2.63
+445.53%
-0.76
-107.39%
10.29
Gain Loss On Investment Securities
-0.14
-105.33%
2.63
+445.53%
-0.76
-107.39%
10.29
Change In Working Capital
14.57
-54.75%
32.20
+767.17%
3.71
-84.10%
23.35
Change In Receivables
-3.51
-3.05%
-3.41
-400.44%
1.13
+1211.76%
-0.10
Changes In Account Receivables
-3.51
-3.05%
-3.41
-400.44%
1.13
+1211.76%
-0.10
Change In Payables And Accrued Expense
-1.81
-111.93%
15.15
+923.93%
-1.84
-114.35%
12.81
Change In Payable
-1.81
-111.93%
15.15
+923.93%
-1.84
-114.35%
12.81
Change In Other Working Capital
-0.65
+54.38%
-1.41
+12.50%
-1.62
-139.76%
-0.67
Investing Cash Flow
-19.67
+27.60%
-27.17
-87.45%
-14.50
+76.14%
-60.74
Cash Flow From Continuing Investing Activities
-19.67
+27.60%
-27.17
-87.45%
-14.50
+76.14%
-60.74
Net PPE Purchase And Sale
-0.45
+32.58%
-0.66
-50.00%
-0.44
-342.00%
-0.10
Purchase Of PPE
-0.45
+32.58%
-0.66
-50.00%
-0.44
-342.00%
-0.10
Sale Of PPE
—
—
0.00
0.00
Capital Expenditure
-0.45
+32.58%
-0.66
-50.00%
-0.44
-342.00%
-0.10
Net Investment Purchase And Sale
-23.00
+25.00%
-30.66
-75.46%
-17.48
+72.38%
-63.27
Purchase Of Investment
-187.57
-86.42%
-100.62
-11.65%
-90.12
+38.78%
-147.21
Sale Of Investment
164.58
+135.25%
69.96
-3.70%
72.64
-13.46%
83.94
Financing Cash Flow
-4.61
-86.52%
-2.47
+30.12%
-3.54
-608.62%
-0.50
Cash Flow From Continuing Financing Activities
-4.61
-86.52%
-2.47
+30.12%
-3.54
-608.62%
-0.50
Net Common Stock Issuance
-0.28
+29.26%
-0.39
+59.86%
-0.98
-112.36%
-0.46
Common Stock Payments
-0.28
+29.26%
-0.39
+59.86%
-0.98
+63.81%
-2.71
Repurchase Of Capital Stock
-0.28
+29.26%
-0.39
+59.86%
-0.98
+63.81%
-2.71
Net Other Financing Charges
-4.33
-108.42%
-2.08
+18.73%
-2.56
-6628.95%
-0.04
Changes In Cash
-6.29
-376.82%
2.27
-43.49%
4.02
+193.13%
-4.32
Beginning Cash Position
29.27
+8.42%
27.00
+17.52%
22.97
-15.83%
27.29
End Cash Position
22.98
-21.51%
29.27
+8.42%
27.00
+17.52%
22.97
Free Cash Flow
17.54
-43.88%
31.25
+44.61%
21.61
-61.96%
56.82
Income Tax Paid Supplemental Data
—
0.50
-72.22%
1.80
+500.00%
0.30
Amortization Of Securities
-16.02
+11.78%
-18.15
-148.79%
-7.30
-29.20%
-5.65
Change In Income Tax Payable
-0.48
-134.05%
1.40
+251.63%
-0.92
-672.67%
0.16
Change In Tax Payable
-0.48
-134.05%
1.40
+251.63%
-0.92
-672.67%
0.16
Common Stock Issuance
—
—
—
2.24
Issuance Of Capital Stock
—
—
—
2.24
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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