Citizens Inc

CIA.US
Financial Services · Insurance - Life
5.08
+0.17 (+3.46%)
USD · NYSE

Company Information

Company Name
Citizens Inc
Sector
Financial Services
Industry
Insurance - Life
Exchange
NYSE
ISIN: US1747401008
CIK: 0000024090
CUSIP: 174740100
Currency: USD
Full Time Employees: 243
Phone: 512 837 7100
Fiscal Year End: December
IPO Date: Dec 05, 1988
Description:

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Address:

11815 Alterra Parkway, Austin, TX, United States, 78758

People

Directors & Officers

Name Title Year Born
Mr. Jon Scott Stenberg President CEO & Director 1966
Mr. Jeffery Paul Conklin CFO, Chief Investment Officer & Treasurer 1970
Ms. Sheryl L. Kinlaw J.D. Chief Legal Officer & Secretary 1969
Mr. Bryon Matthew Lewis Chief Operating Officer 1974
Ms. Paula Guerrero Chief Information Officer 1965
Mr. David Scott Jorgensen CPA General Manager for International Operations of CICA Life Insurance Company of America 1964
Mr. Seth Alan Hoxworth Chief Actuary 1986

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 25, 2026 Cynthia H Davis N/A Purchase 100.00 $4.53 $453.00
Mar 17, 2026 Jon Stenberg N/A Purchase 10.00K $4.81 $48.10K
May 29, 2025 Jon Stenberg N/A Purchase 30.00K $3.69 $110.70K
May 29, 2025 Jon Stenberg N/A Purchase 4.85K $3.80 $18.43K
May 28, 2025 Sheryl L Kinlaw N/A Purchase 2.50K $3.59 $8.98K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 3.27M Mar 31, 2026 6.46% $0.00 -1.00%
Vanguard Group Inc 2.50M Dec 31, 2025 4.95% $0.00 2.45%
Vanguard Capital Management, LLC 1.96M Mar 31, 2026 3.87% $0.00 0.00%
Geode Capital Management, LLC 1.05M Mar 31, 2026 2.08% $0.00 2.09%
State Street Corp 668.46K Mar 31, 2026 1.32% $0.00 8.21%
UBS Group AG 646.37K Mar 31, 2026 1.28% $0.00 -15.86%
Arnhold & S. Bleichroeder Advisers, LLC 582.75K Mar 31, 2026 1.15% $0.01 -0.85%
Bridgeway Capital Management, LLC 494.42K Mar 31, 2026 0.98% $0.05 4.48%
Northern Trust Corp 344.48K Mar 31, 2026 0.68% $0.00 8.18%
Vanguard Fiduciary Trust Co 288.82K Mar 31, 2026 0.57% $0.00 0.00%
Dimensional Fund Advisors, Inc. 266.37K Mar 31, 2026 0.53% $0.00 -1.81%
Vanguard Portfolio Management, LLC 260.20K Mar 31, 2026 0.51% $0.00 0.00%
Empowered Funds, LLC 238.49K Mar 31, 2026 0.47% $0.01 0.00%
Renaissance Technologies Corp 172.49K Mar 31, 2026 0.34% $0.00 -1.77%
Barclays PLC 141.02K Mar 31, 2026 0.28% $0.00 -34.68%
The Goldman Sachs Group Inc 133.98K Mar 31, 2026 0.27% $0.00 34.52%
Charles Schwab Investment Management Inc 124.42K Mar 31, 2026 0.25% $0.00 -9.76%
Bank of New York Mellon Corp 113.14K Mar 31, 2026 0.22% $0.00 -2.20%
Arrowstreet Capital Limited Partnership 89.10K Mar 31, 2026 0.18% $0.00 0.00%
HighTower Advisors, LLC 75.91K Mar 31, 2026 0.15% $0.00 45.99%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 1.42M 2.81% ▲ 0.00% Jun 30, 2026
2 iShares Russell 2000 ETF 1.27M 2.50% ▲ 0.60% Jun 30, 2026
3 Vanguard Institutional Extnd Mkt Idx Tr 520.02K 1.03% ▲ 2.39% Jun 30, 2026
4 First Eagle Small Cap Opportunity I 514.11K 1.02% ▲ 0.00% Jun 30, 2026
5 First Eagle US Small Cap Strategy 514.11K 1.02% ▼ 0.31% Mar 31, 2026
6 iShares Russell 2000 Value ETF 465.74K 0.92% ▼ 0.69% Jun 30, 2026
7 Fidelity Small Cap Index 447.20K 0.88% ▲ 0.79% Apr 30, 2026
8 Russell 2000 Index Non-Lendable Fund 324.52K 0.64% ▲ 12.02% Jun 30, 2026
9 Russell 2000 Equity Index Fund B 324.52K 0.64% ▲ 12.02% Jun 30, 2026
10 Vanguard Russell 2000 ETF 264.64K 0.52% ▲ 13.79% Jun 30, 2026

Financial Highlights

Market Cap: $256.81M
EBITDA: $22.38M
P/E Ratio: $14.51
PEG Ratio: $1.21
Book Value: $4.74
Earnings/Share: $0.35
Profit Margin: 7.12%
Operating Margin: 3.98%
ROA (TTM): 0.79%
ROE (TTM): 8.09%
Revenue (TTM): $259.68M
Revenue/Share (TTM): $5.17
Earnings Growth (YOY): 99.50%
Revenue Growth (YOY): 7.30%

Valuation Metrics

Enterprise Value: $231.25M
Trailing P/E: 14.51
Forward P/E: 16.37

Shares Statistics

Shares Outstanding: 50.55M
Shares Float: 45.12M
% Insiders: 1,141.60%
% Institutions: 2,841.20%
Short % Float: 7.73%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$255.62M
Cost of Goods Sold
adjust
$-165.03M
Gross Profit
subtotal
$90.59M
SG&A
adjust
$-53.04M
Other Operating Expense
adjust
$-20.08M
Operating Income
subtotal
$17.47M
Other / Non-Operating Items
adjust
$-2.88M
Net Income
subtotal
$14.59M

Earnings Per Share (EPS) History

Financial Ratios

📦 Raw API Data (JSON Explorer)

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