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CoverageForm 410-K10-Q8-K13D13G13F

CIA · Citizens, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · CIA

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AnnualQuarterly

Income Statement

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Revenue$59.72M-$62.81M$65.09M$55.65M-$61.73M$62.08M$57.71M-
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A$171.0K---$161.0K---$144.0K-
Operating Income$2.37M-$4.48M$6.91M($1.79M)-$3.04M$3.30M$4.92M-
Interest Expense----------
Income Tax$106.0K-$2.06M$455.0K($164.0K)-$247.0K($657.0K)$383.0K-
Net Income$2.27M-$2.42M$6.46M($1.62M)-$2.79M$3.96M$4.54M-
EPS - Basic----------
EPS - Diluted----------

Balance Sheet

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Cash & Equivalents$18.52M$22.98M$23.12M$22.67M$18.36M$29.27M$32.38M$26.34M$23.24M$27.00M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$1.74B$1.75B$1.74B$1.71B$1.70B$1.69B$1.74B$1.66B$1.67B$1.67B
Current Liabilities----------
Long-term Debt----------
Total Liabilities$1.50B$1.52B$1.52B$1.48B$1.48B$1.47B$1.53B$1.47B$1.47B$1.50B
Stockholders' Equity$238.67M$234.99M$225.60M$229.03M$218.14M$210.35M$207.57M$191.47M$195.18M$172.13M
Retained Earnings$73.92M$71.65M$64.31M$61.90M$55.44M$57.06M$53.44M$50.65M$46.69M$42.15M

Cash Flow

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Operating Cash Flow($323.0K)---$748.0K---$6.79M-
Investing Cash Flow($3.43M)---($11.43M)---($9.47M)-
Financing Cash Flow($705.0K)---($231.0K)---($1.08M)-
CapEx$326.0K---$107.0K---$58.0K-
Free Cash Flow($649.0K)---$641.0K---$6.73M-

Ratios

MetricQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Profitability
Gross margin----------
Operating margin4.0%-7.1%10.6%-3.2%-4.9%5.3%8.5%-
EBITDA margin4.3%----2.9%---8.8%-
Net margin3.8%-3.8%9.9%-2.9%-4.5%6.4%7.9%-
Free cash flow margin-1.1%---1.2%---11.7%-
FCF / Net income-0.29----0.39---1.48-
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate4.5%-46.0%6.6%--8.1%-19.9%7.8%-
Return on assets0.1%-0.1%0.4%-0.1%-0.2%0.2%0.3%-
Return on equity1.0%-1.1%2.8%-0.7%-1.3%2.1%2.3%-
Return on invested capital----------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage----------
Equity multiplier7.297.477.727.487.808.018.368.688.539.70
Liabilities / Assets0.860.870.870.870.870.880.880.880.880.90
Efficiency
Asset turnover0.03-0.040.040.03-0.040.040.03-
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B----------
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)7.3%-1.7%4.8%-3.6%-3.9%6.1%3.2%-
Revenue CAGR (3y)2.2%-3.8%6.6%0.2%-0.1%-0.8%1.3%-
Revenue CAGR (5y)1.5%-1.0%2.2%-0.0%-0.1%1.8%-1.6%-
Gross profit growth (YoY)----------
Operating income growth (YoY)--47.5%109.4%---34.6%-45.4%-26.7%-
Net income growth (YoY)---13.4%63.1%--3.4%-35.4%-6.8%-
EPS growth (YoY)----------
EPS CAGR (3y)----------
EPS CAGR (5y)----------
FCF growth (YoY)-----90.5%----7.6%-
FCF CAGR (5y)-----46.1%----17.6%-
Book value growth (YoY)9.4%11.7%8.7%19.6%11.8%22.2%35.9%30.4%26.5%16403.3%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$254.71M total
International Insurance Segment$175.66M · 69.0%
Domestic Insurance Segment$79.05M · 31.0%

Peer comparison

Same SIC group: Life Insurance

CompanyRevenue (last FY)Net marginROE
JXN$6.68B0.4%0.3%
MET$77.08B4.4%11.9%
PRU$60.77B5.9%11.0%
LNC$18.21B6.5%10.8%
VOYA$8.19B8.0%13.2%

Comparing CITIZENS against the 5 most active filers in the same SIC group.