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. Management Team
Mr. Harvey J. L. Waite
Chief Actuary
Compensation
$470,780
Mr. Jeffery Paul Conklin
Chief Financial Officer, Chief Investment Officer & Treasurer
Compensation
$616,100
Ms. Paula Guerrero
Chief Information Officer
Ms. Sheryl L. Kinlaw J.D.
Chief Legal Officer & Secretary
Compensation
$515,700
Mr. Bryon Matthew Lewis
Chief Operating Officer
Mr. David Scott Jorgensen CPA
General Manager for International Operations of CICA Life Insurance Company of America
Compensation
$360,600
Mr. Jon Scott Stenberg
President & Chief Executive Officer
Compensation
$912,238
Citizens, Inc. Insider Positioning
During the last 12 months, insiders have purchased $403K worth of CIA shares, with no selling activity reported.
3 Months
70.1K
331.72K
0
0.00
+332K
+$332K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
21.2K
71.36K
0
0.00
+71K
+$71K
Top Buyers
Stenberg Jon
Director, Officer: President & Ceo
$398K
Waite Harvey J.
Officer: Chief Actuary
$2K
Guerrero Paula L
Officer: Chief Information Officer
$2K
Taylor Mary
Director
$495
Davis Cynthia H
Director
$452
Top Sellers
Taylor Mary
Director
$0
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $403K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Perfect buy/sell ratio. Only buying activity with zero selling—the most bullish possible insider signal.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers vs. 1 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
SEC Filings
CIA - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 16, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 30, 2025 | April 30, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 29, 2024 | June 18, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | April 24, 2023 | June 06, 2023 | 2023 | |
DEF 14A DEF 14A 2022 N/A | April 25, 2022 | June 07, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 20, 2021 | June 01, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 23, 2020 | June 02, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 25, 2019 | June 04, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | April 24, 2018 | June 05, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | April 27, 2017 | June 06, 2017 | 2017 |
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.