Citizens, Inc. (CIA) Financial Statements
Industry: Life Insurance
In fiscal 2025, Citizens reported revenue of $255.6M, up 4.3% from $245.0M the year before. Net income was $14.6M (a 5.7% net margin), or $0.28 per diluted share. Gross margin was 35.4% and operating margin was 35.4%. Operating activities generated $18.0M of cash, leaving $17.5M of free cash flow. At fiscal year end, Citizens held $1.75B in total assets against $1.52B in total liabilities, including $23.0M of cash and equivalents.
Open the full interactive Citizens financials → Quarterly statements, key ratios, valuation history and price charts.
Citizens Key Stats
| Share Price | $3.38 |
|---|---|
| Market Cap | $175.2M |
| P/E Ratio | 12.1 |
| Revenue YoY Growth | +4.3% |
| 52-Week Range | $3.38 – $6.38 |
| Shares Outstanding | 50.5 million (basic, 2026 Q2) |
Citizens Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $238.9M | $250.5M | $232.5M | $240.7M | $245.0M | $255.6M |
| Cost of Goods Sold | $156.7M | $162.4M | $155.6M | $136.0M | $146.1M | $165.0M |
| Gross Profit | $82.2M | $88.2M | $76.9M | $104.7M | $98.9M | $90.6M |
| Operating Income | $82.2M | $88.2M | $76.9M | $104.7M | $98.9M | $90.6M |
| Pre-Tax Income | -$12.3M | -$6.7M | -$7.1M | $26.2M | $15.0M | $17.5M |
| Income Tax | -$1.3M | -$43.5M | -$429,000 | $1.7M | $68,000 | $2.9M |
| Net Income | -$11.0M | $36.8M | -$6.6M | $24.4M | $14.9M | $14.6M |
| Diluted EPS | -$0.22 | $0.73 | -$0.13 | $0.48 | $0.29 | $0.28 |
Citizens Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $62.8M | $72.1M | $59.7M | $60.4M |
| Net Income | $2.4M | $7.3M | $2.3M | -$425,000 |
| Diluted EPS | $0.04 | $0.14 | $0.04 | -$0.01 |
Citizens Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $34.1M | $27.3M | $23.0M | $27.0M | $29.3M | $23.0M |
| Total Assets | $1.84B | $1.85B | $1.57B | $1.67B | $1.69B | $1.75B |
| Total Liabilities | $1.54B | $1.53B | $1.57B | $1.50B | $1.47B | $1.52B |
| Shareholders' Equity | $300.9M | $320.6M | $1.0M | $172.1M | $210.4M | $235.0M |
Citizens Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $48.8M | $40.5M | $56.9M | $22.1M | $31.9M | $18.0M |
| Cash From Investing | -$61.8M | -$41.1M | -$60.7M | -$14.5M | -$27.2M | -$19.7M |
| Cash From Financing | $904,000 | -$6.2M | -$499,000 | -$3.5M | -$2.5M | -$4.6M |
| Free Cash Flow | $48.6M | $39.4M | $56.8M | $21.6M | $31.3M | $17.5M |
Figures from Citizens' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Citizens financials page for every line item.
Citizens Company Profile
| Ticker | CIA |
|---|---|
| Exchange | NYSE |
| Industry | Life Insurance |
| Headquarters | Austin, Texas |
| Incorporated in | Colorado |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000024090 |
Frequently Asked Questions
What was Citizens' revenue in fiscal 2025?
Citizens (CIA) reported revenue of $255.6M for fiscal 2025.
What is Citizens' annual revenue history?
Citizens' annual revenue by fiscal year: 2020: $238.9M; 2021: $250.5M; 2022: $232.5M; 2023: $240.7M; 2024: $245.0M; 2025: $255.6M.
What was Citizens' net income in fiscal 2025?
Citizens reported net income of $14.6M for fiscal 2025.
What was Citizens' earnings per share (EPS) in fiscal 2025?
Citizens' diluted EPS was $0.28 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Citizens generate in fiscal 2025?
Citizens generated $17.5M of free cash flow in fiscal 2025.
What was Citizens' revenue last quarter?
In its most recent reported quarter (2026 Q2), Citizens reported revenue of $60.4M.
How many shares of Citizens are outstanding?
Citizens reported a weighted average of 50.5 million basic shares outstanding in 2026 Q2.
What is Citizens' market cap?
Based on its latest closing price, Citizens (CIA) has a market capitalization of about $175.2M.
When does Citizens' fiscal year end?
Citizens' fiscal year end, as registered with the SEC, is December 31.
Where is Citizens headquartered?
Citizens lists its business address in Austin, Texas in its SEC filings.