CIA - NYSE

Citizens, Inc.

CIA·NYSE

$4.96

-9.7%

Financial ServicesInsurance - Life

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$250.75M

EPS0.2900

P/E Ratio17.10

Earnings Date08/06/2026

245.83M

Assets

-85%

3Y-85.0%

5Y-87.0%

10Y-84.0%

10.85M

Total Liabilities

-99%

3Y-99.0%

5Y-99.0%

10Y-99.0%

234.99M

Total Equity

12%

3Y+84.0%

5Y-22.0%

10Y-6.0%

Citizens, Inc. Funding & Solvency Profile

CIA · NYSE

Current Assets

Cash & Cash Equivalents5.66M

Net Receivables11.30M

Inventory0.00

Other Current Assets-7.70M

Total Current Assets26 M

Non-Current Assets

Property, Plant & Equipment6.64M

Goodwill & Intangible Assets229.53M

Long-Term Investments1.41B

Other Non-Current Assets-1.64B

Total Non-Current Assets-222890000

Total Assets

245.83M

Financial Health Analysis

Current Ratio

0.53x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

0.05x

Conservative capital structure. The company relies primarily on equity financing, indicating low financial risk.

Working Capital

-22452000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Conservative with tight liquidity: Low debt is positive, but current ratio warrants attention. Consider whether the company is efficiently deploying its equity capital.

Citizens, Inc. Balance Sheet

CIA • NYSE

Citizens, Inc. Balance Sheet	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
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	5.7M	29.3M	27M	23M	27.3M	34.1M	46.2M	45.5M	46.1M	35.5M	82.8M	50.7M	54.6M	56.3M	33.3M	49.7M	48.6M	63.8M	21.1M	24.5M
Short-Term Investments	16.3M	0.0	0.0	1.2B	1.5B	1.5B	1.4B	1.2B	974.6M	882.2M	735.9M	707.2M	605.3M	606.9M	2M	55.6M	2.5M	2.3M	17.7M	23.5M
Cash & Short-Term Investments	22M	29.3M	27M	1.2B	1.5B	1.5B	1.4B	1.3B	1B	917.7M	818.7M	757.9M	659.8M	663.2M	35.3M	49.7M	51.1M	66M	38.8M	24.5M
Net Receivables	11.3M	18.7M	4.3M	17M	17M	17.1M	16.4M	17M	5.5M	2.7M	3M	2.2M	2.4M	20.4M	19.6M	2.4M	4M	11M	14.2M	16M
Accounts Receivables	11.3M	18.7M	4.3M	16.4M	16.3M	17.1M	16.4M	17M	5.5M	2.7M	3M	2.2M	2.4M	20.2M	18.7M	2.4M	4M	9M	7.7M	6.1M
Other Receivables	0.0	0.0	0.0	601K	762K	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	6.6M	10M
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-201M	-150.3M	-1.1B	-1B	-966.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Prepaids	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	344K	344K	474K	0.0	0.0	0.0	0.0
Other Current Assets	-7.7M	-18.7M	0.0	-1.2B	-1.5B	-1.5B	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
Total Current Assets	25.6M	29.3M	29.4M	0.0	0.0	0.0	1.4B	1.3B	30.5M	18.4M	19.7M	18.1M	20.6M	19.7M	19.9M	25.9M	25.2M	77.1M	53M	40.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	6.6M	0.0	11.8M	12.9M	14.1M	16.3M	5.9M	5.9M	6.6M	7.9M	6.3M	6.4M	6.7M	7.4M	7.9M	7.1M	6M	6.5M	6.8M	7.4M
Goodwill	0.0	0.0	0.0	0.0	0.0	0.0	12.6M	12.6M	12.6M	17.3M	17.3M	17.3M	17.2M	17.2M	17.2M	17.2M	17.2M	0.0	11.4M	11.4M
Intangible Assets	229.5M	209.1M	185.8M	0.0	0.0	0.0	163.7M	16.2M	18.5M	20.4M	22.6M	24.5M	24.2M	26M	906K	1M	35.8M	16.8M	32.7M	35.9M
Goodwill & Intangible Assets	229.5M	209.1M	185.8M	0.0	941K	13.6M	13.6M	28.8M	31.1M	37.6M	39.8M	41.8M	41.4M	43.2M	18.1M	18.2M	52.9M	16.8M	44.1M	47.3M
Long-Term Investments	1.4B	93.3M	82.5M	1.2B	1.5B	1.5B	1.4B	1.3B	1.2B	1.1B	1B	1B	880.2M	847.6M	789.9M	679.3M	628.5M	530.4M	553.7M	488.6M
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	8.1M	10.4M	85.2M	130.2M	121.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-1.6B	1.4B	1.3B	-1.2B	-1.5B	-1.5B	-8.1M	-10.4M	-1.3B	-1.3B	-121.1M	-1.1B	-928.3M	-898.1M	-815.9M	-704.6M	-687.4M	-553.6M	-604.6M	-543.3M
Total Non-Current Assets	6.6M	1.7B	1.6B	0.0	0.0	0.0	1.4B	1.3B	789K	746K	1.1B	1.1B	928.3M	898.1M	815.9M	704.6M	687.4M	553.6M	604.6M	543.3M
Other Assets	213.6M	189.2M	42.7M	1.6B	1.9B	1.8B	-1.1B	-974.5M	1.6B	1.6B	398.9M	349.3M	267.5M	257.1M	255.5M	256M	214.7M	201.6M	130.3M	127.3M
Total Assets	245.8M	1.7B	1.7B	1.6B	1.9B	1.8B	1.7B	1.6B	1.6B	1.6B	1.5B	1.4B	1.2B	1.2B	1.1B	986.5M	927.3M	832.3M	787.9M	711.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	13M	8.8M	10.1M	11.9M	16.9M	65M	55.2M	50.8M	104.4M	97.4M	86.8M	91.7M	12.6M	16M	12.9M	2.5M	14.1M	7.1M	9.4M	2M
Accounts Payable	8.8M	8.8M	6.6M	9.9M	14.6M	13.2M	8.1M	7.6M	8.6M	9.5M	9.7M	9.6M	9.5M	11M	10M	0.0	8.4M	2.4M	2.4M	0.0
Other Payables	4.2M	0.0	3.4M	2M	2.3M	51.8M	47.1M	43.2M	95.8M	87.9M	77.2M	82.1M	3.2M	5M	2.9M	2.5M	5.6M	4.8M	-2.4M	2M
Short Term Debt	1.6M	1.4M	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	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	43.9M	44.6M	41.3M	93.4M	81.3M	71.2M	78.8M	590K	0.0	0.0	0.0	0.0	0.0	0.0	2M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	7.1M	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
Other Current Liabilities	33.4M	-1.4M	-10.1M	-11.9M	-16.9M	-65M	-62.3M	-50.8M	-104.4M	-97.4M	-86.8M	-91.7M	-12.6M	-5M	-12.9M	-2.5M	-14.1M	-7.1M	-9.4M	-2M
Total Current Liabilities	48M	8.8M	10.1M	0.0	0.0	0.0	8.1M	7.6M	8.6M	9.5M	9.7M	9.6M	9.5M	11M	2.9M	0.0	8.4M	0.0	2.4M	2.6M
NON-CURRENT LIABILITIES
Deferred Tax Liabilities (Non-Current)	6M	3.4M	1.1M	3.7M	15.5M	9.6M	12.4M	5.7M	34.4M	53.3M	53.9M	0.0	1.7M	17.3M	0.0	9.4M	8.1M	4M	4.8M	1.5M
Other Non-Current Liabilities	1.5B	1.5B	1.5B	-3.7M	-15.5M	-9.6M	1.5B	1.4B	1.4B	1.3B	1.2B	0.0	968.8M	-17.3M	0.0	-9.4M	-8.1M	-4M	-4.8M	-1.5M
Total Non-Current Liabilities	1.5B	1.5B	1.5B	0.0	0.0	0.0	12.4M	5.7M	1.4B	1.3B	1.2B	0.0	1.7M	17.3M	0.0	758.9M	8.1M	660.7M	4.8M	1.5M
Other Liabilities	0.0	1.5B	-6.6M	1.5B	1.5B	1.5B	1.5B	1.4B	61.4M	34.6M	31M	1.2B	959.3M	883.5M	835.6M	0.0	694.8M	0.0	604.6M	567.5M
Capital Lease Obligations	6.3M	0.0	0.0	0.0	0.0	0.0	184K	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
Total Liabilities	10.8M	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.4B	1.4B	1.3B	1.2B	1.2B	970.5M	911.8M	835.6M	758.9M	711.3M	660.7M	611.8M	571.6M
SHAREHOLDERS' EQUITY
Treasury Stock	-23.7M	-23.7M	-23.7M	-22.8M	-20.1M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M	-11M
Common Stock	275.5M	273M	271.9M	271.3M	268.7M	266.1M	264.7M	263M	262.6M	262.6M	262.6M	262.6M	262.6M	262.6M	0.0	0.0	0.0	0.0	229M	213.3M
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	263M	262.6M	262.6M	262.6M	0.0	262.6M	262.6M	261.7M	259.9M	259.9M	243.7M	229M	213.3M
Retained Earnings	71.7M	57.1M	42.2M	16.3M	-45.6M	-82.4M	-71M	-69.6M	-54.4M	-16.2M	-22.6M	-19M	-12.5M	-17.3M	-14.2M	-22.6M	-38.1M	-55.4M	-39.7M	-56.3M
Accumulated Other Comprehensive Income/Loss	-88.4M	-96M	-118.2M	-137M	117.5M	128.3M	77.1M	5.4M	26.3M	13.8M	13.6M	25.9M	6.8M	28.9M	19.2M	1.3M	5.3M	-5.7M	-2.1M	-6.3M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-263M	-262.6M	-262.6M	-262.6M	0.0	-262.6M	-262.6M	0.0	0.0	0.0	0.0	0.0	-213.3M
Total Stockholders' Equity	235M	210.4M	172.1M	127.8M	320.6M	300.9M	259.8M	187.7M	223.5M	249.1M	242.5M	258.4M	245.8M	263.1M	255.7M	227.6M	216.1M	171.5M	176.2M	139.6M
Total Equity	235M	210.4M	172.1M	127.8M	320.6M	300.9M	259.8M	187.7M	223.5M	249.1M	242.5M	258.4M	245.8M	263.1M	255.7M	227.6M	216.1M	171.5M	176.2M	139.6M
SUMMARY
Total Liabilities & Equity	245.8M	1.7B	1.7B	1.6B	1.9B	1.8B	1.7B	1.6B	1.6B	1.6B	1.5B	1.4B	1.2B	1.2B	1.1B	986.5M	927.3M	832.3M	787.9M	711.2M
Total Investments	1.4B	93.3M	82.5M	1.3B	1.6B	1.6B	1.5B	1.3B	1.3B	1.2B	1.1B	1.1B	938.2M	900.7M	839.2M	734.9M	671.3M	578.1M	579.5M	512.2M
Total Debt	7.9M	7.8M	9.1M	0.0	0.0	0.0	1.1M	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
Net Debt	2.2M	-21.5M	-27M	-23M	-27.3M	-34.1M	-45.1M	-45.5M	-46.1M	-35.5M	-82.8M	-50.7M	-54.6M	-56.3M	-33.3M	-49.7M	-48.6M	-63.8M	-21.1M	-24.5M
Shares Outstanding	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367	50,245,367

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	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 30, 2026	June 16, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 12, 2026	March 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 10, 2026	March 05, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 07, 2025	November 06, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 07, 2025	June 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	August 07, 2025	August 07, 2025	2025	View Filing

Showing 1 to 10 of 430 filings

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