Citizens, Inc. (CIA)
NYSE · Life Insurance · Finance, insurance and real estate · CIK 24090 · fiscal year ends in Dec
Closing price $3.61 on 30 Oct 2026; 52-week range $3.38 to $6.38.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $255.0M
- Revenue growth
- 3.7%
- Net income, last twelve months
- $11.6M
- Earnings per share
- $0.21
- Operating margin
- 5.6%
- Net margin
- 4.5%
- Free cash flow
- $15.0M
- Return on equity
- 4.9%
- Market value
- $182.8M
- Price to earnings
- 17.2x
- Cash
- $17.0M
- Shares outstanding
- 50.6M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $255.6M | $17.5M | $14.6M | $0.28 | $17.5M | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $245.0M | $15.0M | $14.9M | $0.29 | $31.3M | 10-K filed 13 Mar 2025 |
| FY2023 | 31 Dec 2023 | $240.7M | $26.2M | $24.4M | $0.48 | $21.6M | 10-K filed 14 Mar 2024 |
| FY2022 | 31 Dec 2022 | $232.5M | $27.4M | $26.0M | -$0.13 | $56.8M | 10-K filed 10 Mar 2023 |
| FY2021 | 31 Dec 2021 | $250.5M | $30.5M | $72.7M | $0.73 | $39.4M | 10-K filed 11 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $60.4M | -$425.0K | -$0.01 |
| Q1 FY2026 | 31 Mar 2026 | $59.7M | $2.3M | $0.04 |
| Q4 FY2025 | 31 Dec 2025 | $72.1M | $7.3M | $0.14 |
| Q3 FY2025 | 30 Sep 2025 | $62.8M | $2.4M | $0.04 |
| Q2 FY2025 | 30 Jun 2025 | $65.1M | $6.5M | $0.13 |
| Q1 FY2025 | 31 Mar 2025 | $55.7M | -$1.6M | -$0.03 |
| Q4 FY2024 | 31 Dec 2024 | $63.5M | $3.6M | $0.07 |
| Q3 FY2024 | 30 Sep 2024 | $61.7M | $2.8M | $0.05 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By business, FY2025
| Segment | Revenue | Share |
|---|---|---|
| International Insurance Segment | $175.7M | 69.0% |
| Domestic Insurance Segment | $79.1M | 31.0% |
Company events
The newest 8-K filings of 195 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 9 Oct 2026 | 8-K | Material agreement | 1.01, 9.01 |
| 6 Aug 2026 | 8-K | Results | 2.02 |
| 18 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 7 May 2026 | 8-K | Results | 2.02 |
| 12 Mar 2026 | 8-K | Results | 2.02 |
| 10 Mar 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 7 Nov 2025 | 8-K | Results, Leadership change | 2.02, 5.02 |
| 7 Aug 2025 | 8-K | Results | 2.02, 9.01 |
| 20 Jun 2025 | 8-K | Shareholder vote | 5.07 |
| 8 May 2025 | 8-K | Results | 2.02, 9.01 |
| 11 Apr 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 13 Mar 2025 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 548 held.
| Filed | Form | Period |
|---|---|---|
| 9 Oct 2026 | 8-K | 5 Oct 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 6 Aug 2026 | 8-K | 6 Aug 2026 |
| 18 Jun 2026 | 8-K | 16 Jun 2026 |
| 17 Jun 2026 | S-8 | – |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 7 May 2026 | 8-K | 7 May 2026 |
| 30 Apr 2026 | ARS | 31 Dec 2025 |
| 30 Apr 2026 | DEFA14A | – |
| 30 Apr 2026 | DEF 14A | 16 Jun 2026 |
| 12 Mar 2026 | 10-K | 31 Dec 2025 |
| 12 Mar 2026 | 8-K | 12 Mar 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 31 Aug 2026 | Harwood Michael Philip, Director | Purchase | 10,000 | $3.80 | $38.0K | 11,096 | 1 Sep 2026 |
| 11 Aug 2026 | Hoxworth Seth Alan, Chief Actuary | Purchase | 5,376 | $3.83 | $20.6K | 11,194 | 13 Aug 2026 |
| 11 Aug 2026 | Stenberg Jon, President & CEO | Purchase | 12,000 | $3.65 | $43.8K | 389,574 | 12 Aug 2026 |
| 10 Aug 2026 | Stenberg Jon, President & CEO | Purchase | 50,000 | $3.99 | $199.6K | 377,574 | 11 Aug 2026 |
| 21 May 2026 | Stenberg Jon, President & CEO | Purchase | 10,000 | $4.82 | $48.2K | 327,574 | 26 May 2026 |
| 25 Mar 2026 | Davis Cynthia H, Director | Purchase | 100 | $4.53 | $453 | 100 | 20 Apr 2026 |
| 30 Mar 2026 | Stenberg Jon, President & CEO | Purchase | 50,000 | $4.70 | $235.0K | 307,599 | 31 Mar 2026 |
| 17 Mar 2026 | Stenberg Jon, President & CEO | Purchase | 10,000 | $4.81 | $48.1K | 208,930 | 19 Mar 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Jul 2026 | BlackRock, Inc. | 13G amended | 7.1% | 3.6M |
| 25 Mar 2026 | CONTINENTAL GENERAL INSURANCE CO | 13G | 5% | 2.5M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 4.4M | +0.61% | 42.74 |
| 30 Sep 2026 | 4.4M | -2.97% | 33.78 |
| 15 Sep 2026 | 4.6M | +4.78% | 37.15 |
| 31 Aug 2026 | 4.3M | -0.6% | 35.72 |
| 14 Aug 2026 | 4.4M | +6.03% | 22.16 |
| 31 Jul 2026 | 4.1M | +7.98% | 38.16 |
| 15 Jul 2026 | 3.8M | +2.02% | 38.37 |
| 30 Jun 2026 | 3.7M | +0.89% | 19.15 |
Funds that hold it
From each fund's latest Form 13F.
79 funds held it at 30 Jun 2026: 39 added and 18 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 3,578,569 | $20.5M | +311,270 |
| Continental General Insurance Co. | 2,647,918 | $15.2M | +96,269 |
| Vanguard Capital Management LLC | 1,985,149 | $11.4M | +30,026 |
| UBS Group AG | 1,188,654 | $6.8M | +542,281 |
| First Eagle Investment Management, LLC | 1,168,100 | $6.7M | – |
| Geode Capital Management, LLC | 1,120,660 | $6.4M | +68,437 |
| State Street Corp. | 667,706 | $3.8M | -752 |
| Bridgeway Capital Management, LLC | 512,708 | $2.9M | +18,290 |
| Northern Trust Corp. | 377,518 | $2.2M | +33,039 |
| Vanguard Portfolio Management LLC | 307,505 | $1.8M | +47,302 |
Peers
Companies in the same industry.
- Manulife Financial Corporation (MFC): revenue –, market value $74.9B
- Metlife Inc. (MET): revenue $79.4B, market value $63.8B
- Sun Life Financial Inc. (SLF): revenue $30.0B, market value $44.8B
- Prudential Financial Inc. (PRU): revenue $64.8B, market value $40.2B
- Reinsurance Group of America Inc. (RGA): revenue $26.0B, market value $17.3B
- Corebridge Financial, Inc. (CRBG): revenue $20.0B, market value $15.5B
- Globe Life Inc. (GL): revenue $6.2B, market value $14.7B
- Jackson Financial Inc. (JXN): revenue $6.5B, market value $9.2B
- Voya Financial, Inc. (VOYA): revenue $8.2B, market value $8.9B
- Primerica, Inc. (PRI): revenue $3.4B, market value $8.7B