NYSE · Financial Statements

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) Financial Statements

$3.60 NYSE: CIA Market Cap $182.32M

Citizens, Inc. Class A Common Stock ($1.00 Par) most recently reported annual revenue of $256.0M, net profit of $15.0M. Revenue grew at an average annual rate of 1.4% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Citizens, Inc. Class A Common Stock ($1.00 Par): Revenue rose from $245.0M in 2016 to $256.0M in 2025, a change of +4.5% over 9 years; net profit was positive in 6 of 10 reported years; operating margin moved from 2.2% to 6.8%, a shift of +4.6 percentage points; the most recent year shows net profit of $15.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$245.0M$253.0M$244.0M$251.0M$239.0M$251.0M$233.0M$241.0M$245.0M$256.0M
Operating Expenses$240.0M$256.0M$242.0M$245.0M$251.0M$220.0M$205.0M$47.0M$230.0M$238.0M
Operating Profit$5.0M$-3.0M$2.0M$6.0M$-12.0M$31.0M$27.0M$194.0M$15.0M$17.0M
Operating Margin2.2%-1.2%0.8%2.3%-5.2%12.2%11.8%80.4%6.1%6.8%
Other Income$0$0$0$0$0$0$0$-167.0M$0$0
Interest$0$0$0$0$0$0$0$0$0$0
Depreciation$3.0M$1.0M$1.0M$2.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
Profit Before Tax$5.0M$-3.0M$2.0M$6.0M$-12.0M$31.0M$27.0M$26.0M$15.0M$17.0M
Tax$64.1M$-1.2B$652.5M$123.8M$10.8M$-138.3M$5.0M$6.6M$450,000$16.5M
Net Profit$2.0M$-38.0M$-11.0M$-1.0M$-11.0M$73.0M$26.0M$24.0M$15.0M$15.0M
EPS$0.04$-0.76$-0.22$-0.03$-0.22$1.44$0.51$0.48$0.29$0.29
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$59.0M$67.0M$58.0M$62.0M$62.0M$63.0M$56.0M$65.0M$63.0M$72.0M$58.0M$60.0M
Operating Expenses$55.0M$58.0M$53.0M$59.0M$59.0M$60.0M$57.0M$58.0M$58.0M$64.0M$56.0M$61.0M
Operating Profit$5.0M$9.0M$5.0M$3.0M$3.0M$4.0M$-2.0M$7.0M$4.0M$8.0M$2.0M$-1.0M
Operating Margin7.8%13.1%8.5%5.3%4.9%5.8%-3.2%10.6%7.1%10.9%4.1%-0.9%
Interest$0$0$0$0$0$0$0$0$0$0$0$0
Profit Before Tax$5.0M$9.0M$5.0M$3.0M$3.0M$4.0M$-2.0M$7.0M$4.0M$8.0M$2.0M$-1.0M
Tax$41.9M$-22.4M$7.8M$-19.9M$8.1M$2.6M$9.2M$6.6M$46.0M$6.7M$4.5M$19.7M
Net Profit$3.0M$11.0M$5.0M$4.0M$3.0M$4.0M$-2.0M$6.0M$2.0M$7.0M$2.0M$0
EPS$0.05$0.22$0.09$0.08$0.06$0.07$-0.03$0.13$0.05$0.15$0.04$-0.01

Over the 10 years reported for Citizens, Inc. Class A Common Stock ($1.00 Par), cash stood at $21.0M in the latest year, shareholders' equity was $275.0M, current assets covered current liabilities 1.92 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$1.6B$1.6B$1.6B$1.7B$1.8B$1.9B$1.6B$1.7B$1.7B$1.8B
Current Assets$18.0M$30.0M$1.3B$0$0$0$0$29.0M$29.0M$92.0M
Cash$36.0M$46.0M$45.0M$46.0M$34.0M$27.0M$23.0M$27.0M$29.0M$21.0M
Inventory$-1.0B$-1.1B$-150.0M$0$0$0$0$0$0$0
Receivables$3.0M$5.0M$17.0M$16.0M$17.0M$17.0M$17.0M$4.0M$19.0M$41.0M
Fixed Assets$8.0M$7.0M$6.0M$6.0M$16.0M$14.0M$13.0M$12.0M$11.0M$10.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$2.0B$2.2B$2.5B$2.8B$3.0B$3.0B$2.4B$1.3B$1.3B$1.4B
Other Assets$17.0M$13.0M$13.0M$0$0$0$0$0$0$0
Total Liabilities$1.3B$1.4B$1.4B$1.5B$1.5B$1.5B$1.5B$1.5B$1.5B$1.5B
Current Liabilities$10.0M$9.0M$8.0M$0$0$0$0$10.0M$9.0M$48.0M
Borrowings$0$0$0$0$0$0$0$9.0M$8.0M$0
Other Liabilities$1.3B$1.4B$1.4B$1.5B$1.5B$1.5B$1.5B$1.5B$1.5B$1.5B
Equity$263.0M$263.0M$263.0M$265.0M$266.0M$269.0M$271.0M$272.0M$273.0M$275.0M
Reserves$249.0M$224.0M$188.0M$260.0M$301.0M$321.0M$128.0M$172.0M$210.0M$235.0M

For Citizens, Inc. Class A Common Stock ($1.00 Par), operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $18.0M; free cash flow was positive in 10 of 10 years; financing activities used $5.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$102.0M$93.0M$85.0M$72.0M$49.0M$40.0M$57.0M$22.0M$32.0M$18.0M
Investing Cash Flow$-154.0M$-86.0M$-86.0M$-70.0M$-62.0M$-42.0M$-61.0M$-15.0M$-28.0M$-20.0M
Financing Cash Flow$2.0M$3.0M$0$-2.0M$1.0M$-8.0M$-3.0M$-4.0M$-2.0M$-5.0M
Net Cash Flow$-47.0M$11.0M$-1.0M$1.0M$-12.0M$-7.0M$-4.0M$4.0M$2.0M$-6.0M
Free Cash Flow$100.0M$92.0M$84.0M$72.0M$49.0M$39.0M$57.0M$22.0M$31.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.15
EV / EBITDA11.09
FCF Yield8.32%
Quick Ratio1.92
Interest Coverage—
Return 1Y19.42%
Return 3Y88.51%
Return 5Y4.14%

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) financials — frequently asked questions

What is Citizens, Inc. Class A Common Stock ($1.00 Par)'s annual revenue?

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) reported annual revenue of $256.0M in its most recent fiscal year.

What is Citizens, Inc. Class A Common Stock ($1.00 Par)'s net profit?

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) reported net profit of $15.0M in its most recent fiscal year.

What is CIA EV/EBITDA?

Citizens, Inc. Class A Common Stock ($1.00 Par)'s enterprise value to EBITDA (EV/EBITDA) ratio is 11.09.

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