Stock Fundamentals

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

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. Harvey J. L. Waite Chief Actuary 1960
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

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%
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%
Dimensional Fund Advisors, Inc. 266.37K Mar 31, 2026 0.53% $0.00 -1.81%
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%
T. Rowe Price Associates, Inc. 71.95K Mar 31, 2026 0.14% $0.00 2.26%
Nuveen, LLC 61.18K Mar 31, 2026 0.12% $0.00 0.00%
Squarepoint Ops LLC 53.16K Mar 31, 2026 0.11% $0.00 0.00%

Shares Statistics

Shares Outstanding: 50.55M
Shares Float: 45.16M
% Insiders: 1,134.20%
% Institutions: 2,833.70%
Short % Float: 7.29%

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% Apr 30, 2026
2 iShares Russell 2000 ETF 1.09M 2.16% ▲ 0.85% Apr 30, 2026
3 First Eagle US Small Cap Strategy 514.11K 1.02% ▼ 0.31% Mar 31, 2026
4 First Eagle Small Cap Opportunity I 514.11K 1.02% ▲ 0.00% Apr 30, 2026
5 Vanguard Institutional Extnd Mkt Idx Tr 500.05K 0.99% ▲ 1.12% Apr 30, 2026
6 Fidelity Small Cap Index 440.38K 0.87% ▼ 0.40% Feb 28, 2026
7 iShares Russell 2000 Value ETF 396.96K 0.79% ▲ 0.54% Apr 30, 2026
8 Russell 2000 Equity Index Fund B 289.43K 0.57% ▼ 0.05% Dec 31, 2025
9 EA Bridgeway Omni Small-Cap Value ETF 247.38K 0.49% ▲ 1.19% Apr 30, 2026
10 Fidelity Extended Market Index 237.51K 0.47% ▲ 0.13% Mar 31, 2026

Valuation Metrics

Enterprise Value: $260.57M
Trailing P/E: 14.17
Forward P/E: 18.32

Financial Highlights

Market Cap: $250.75M
EBITDA: $22.38M
P/E Ratio: $14.17
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%

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 (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.93x 0.01x 0.87x N/A 0.09x
2024-12-31 3.32x 0.01x 0.88x N/A 0.09x
2023-12-31 2.92x 0.01x 0.90x N/A 0.05x
2022-12-31 123.52x 0.01x 0.92x 31.91x 0.05x
2021-12-31 103.84x 0.00x 0.83x N/A 0.04x
2020-12-31 116.66x 0.00x 0.84x N/A -0.13x
2019-12-31 178.91x 0.00x 0.85x N/A 0.13x
2018-12-31 170.92x 0.00x 0.88x N/A 0.00x
2017-12-31 3.54x 0.00x 0.86x N/A 0.00x
2016-12-31 1.93x 0.00x 0.84x N/A 0.00x
2015-12-31 2.04x 0.00x 0.84x N/A 0.00x
2014-12-31 1.89x 0.00x 0.82x N/A 0.00x
2013-12-31 2.17x 0.00x 0.80x N/A 0.00x
2012-12-31 1.79x 0.00x 0.78x N/A 0.00x
2011-12-31 6.99x 0.00x 0.77x N/A 0.00x
2010-12-31 2.76x 0.00x 0.77x N/A 0.00x
2009-12-31 2.99x 0.00x 0.77x N/A 0.00x
2008-12-31 N/A 0.00x 0.79x N/A 0.00x
2007-12-31 22.21x 0.00x 0.78x N/A 0.00x
2006-12-31 15.72x 0.00x 0.80x N/A 0.00x
2005-12-31 14.04x 0.00x 0.79x N/A 0.00x
2004-12-31 21.30x 0.00x 0.80x N/A 0.00x
2003-12-31 8.08x 0.00x 0.67x N/A 0.00x
2002-12-31 11.22x 0.00x 0.69x N/A 0.00x
2001-12-31 177.87x 0.00x 0.71x N/A 0.00x
2000-12-31 N/A 0.00x 0.71x N/A 0.00x
1999-12-31 452.81x 0.00x 0.72x 9.72x 0.00x
1998-12-31 284.89x 0.00x 0.70x -210.18x 0.00x
1997-12-31 174.62x 0.01x 0.68x 51.75x 0.06x
1996-12-31 135.62x 0.01x 0.69x 315.50x 0.01x
1995-12-31 202.57x 0.02x 0.77x 184.93x 0.03x
1994-12-31 202.57x 0.02x 0.77x N/A 0.11x
1993-12-31 115.36x 0.04x 0.79x 82.31x 1.22x
1992-12-31 76.14x 0.06x 0.80x 53.00x 0.26x
1991-12-31 0.57x 0.11x 0.83x 32.50x 0.22x
1990-12-31 0.00x 0.11x 0.87x 22.00x 0.41x
1989-12-31 0.00x 0.14x 0.88x -3.00x -3.00x
1988-12-31 N/A 0.00x 0.90x N/A 0.00x
1987-12-31 N/A 0.00x 0.80x N/A 0.00x

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