CIA - NYSE
Citizens, Inc.
$4.96
-9.7%Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
At a Glance
Live SnapshotCitizens, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Citizens, Inc. Income Statement
CIA • NYSE
| Citizens, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
255.6M | 245M | 240.7M | 232.5M | 250.5M | 238.8M | 250.5M | 244M | 252.6M | 245.4M | 236.3M | 230.2M | 213.6M | 202.8M | 195M | 191.2M | 189M | 146.7M | 173.8M | 158.1M | |
GROSS PROFIT | ||||||||||||||||||||
(165M) | (123.3M) | (0.0) | (117.7M) | (122.4M) | (191.9M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
90.6M | 121.7M | 240.7M | 114.8M | 128.1M | 46.9M | 250.5M | 244M | 252.6M | 245.4M | 236.3M | 230.2M | 213.6M | 202.8M | 195M | 191.2M | 189M | 146.7M | 173.8M | 158.1M | |
OPERATING INCOME | ||||||||||||||||||||
(73.1M) | (106.7M) | (47.1M) | (87.4M) | (97.6M) | (59.2M) | -246.2M | -242M | -255.6M | -239.9M | -238.9M | -233M | -206.7M | -196.7M | -183.8M | -171.6M | -168.4M | -159.3M | -150.3M | -144.7M | |
(0.0) | (52.3M) | (47.1M) | (45.2M) | (43.4M) | (53.7M) | (48.4M) | (47.6M) | (46.4M) | (33.4M) | (33.1M) | (36.6M) | (26.4M) | (25.7M) | (38.4M) | -36.6M | (35.5M) | -36M | (0.0) | (0.0) | |
17.5M | 15M | 193.5M | 27.4M | 30.5M | -12.3M | 4.3M | 2M | -3M | 5.5M | -2.6M | -2.8M | 6.9M | 6M | 11.2M | 19.6M | 20.6M | -12.6M | 23.5M | 13.3M | |
PRE-TAX INCOME | ||||||||||||||||||||
(73.1M) | (54.5M) | (0.0) | (42.2M) | (54.3M) | (5.6M) | -294.7M | -289.6M | -302M | -273.3M | -272M | -269.6M | -233.3M | -222.4M | -222.2M | -135M | -203.9M | -123.3M | -150.3M | -144.7M | |
0.0 | 0.0 | -167.4M | 0.0 | 0.0 | 0.0 | -1.7M | -1.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4.2M | 0.0 | -296K | -123.3M | 0.0 | 0.0 | |
17.5M | 15M | 26.2M | 27.4M | 30.5M | -12.3M | 5.7M | 2M | -3M | 5.5M | -2.6M | -2.8M | 6.9M | 6M | 11.2M | 19.6M | 20.6M | -12.6M | 23.5M | 13.3M | |
NET INCOME | ||||||||||||||||||||
(2.9M) | (68K) | (1.7M) | (1.4M) | -42.2M | -1.3M | (7.1M) | (13.1M) | (35.1M) | (3.5M) | (972K) | (3.7M) | (2.1M) | (1.5M) | (2.8M) | (4.1M) | (3.3M) | (3.1M) | (6.9M) | (4.7M) | |
14.6M | 14.9M | 24.4M | 26M | 72.7M | -11M | -1.4M | -11.1M | -38.1M | 2M | -3.6M | -6.5M | 4.8M | 4.5M | 8.4M | 15.5M | 17.3M | -15.7M | 16.6M | 8.7M |
SEC Filings
CIA - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 16, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 12, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 05, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 07, 2025 | November 06, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 07, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 07, 2025 | August 07, 2025 | 2025 |
Related Guides
Continue your CIA research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.