Citizens, Inc. (CIA)
Citizens, Inc. brought in $257.2M of revenue over the twelve months to September 30, 2026, up 4.1% from a year earlier. Net income was $8.8M, a net margin of 3.4%. Operating cash flow minus capital spending left $17.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $17.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about Citizens, Inc.
- Net worth
- Citizens, Inc. has a market value (market cap) of $221.8M at the latest share price, and shareholders' equity of $221.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $255.6M (+4.3% year on year), with net income of $14.6M. Over the 12 months to September 30, 2026: revenue $257.2M, net income $8.8M.
- Cash flow
- In fiscal 2025 operations brought in $18M of cash; after $447K of capital spending, free cash flow was $17.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Citizens, Inc.'s next report is expected around March 11, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Citizens, Inc. does
Citizens, Inc. is registered with the SEC under industry code SIC 6311 (Life Insurance). Its shares trade on NYSE under the ticker CIA.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $255.6M | $14.6M | n/a | $17.5M |
| 2024 | $245M | $14.9M | n/a | $31.3M |
| 2023 | $240.7M | $24.4M | n/a | $21.6M |
| 2022 | $232.5M | $26M | n/a | $56.8M |
| 2021 | $250.5M | $72.7M | n/a | $39.4M |
| 2020 | $238.9M | -$11M | n/a | $48.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CIA ranks in Finance
Latest SEC filings
What Citizens, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 3.6% to $65M versus the same quarter last year; net loss of $422K versus net income of $2.4M.
- November 5, 2026
- October 9, 2026Material agreement8-KCitizens entered into a software-as-a-service agreement with Bestow Agency to modernize its digital life insurance platform through 2030.
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 7.2% to $60.4M versus the same quarter last year; net loss of $425K versus net income of $6.5M.
- August 6, 2026
- July 27, 2026Passive stake changed SCHEDULE 13G/A
- June 18, 2026
- June 17, 2026
- May 7, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 7.3% to $59.7M versus the same quarter last year; net income of $2.3M versus a net loss of $1.6M.
- May 7, 2026
Insider trades
What the people running Citizens, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $38K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| August 31, 2026 | Harwood Michael PhilipDirector | Bought | 10,000 | $38K |
| August 28, 2026 | Harwood Michael PhilipDirector | Other change | 256 | $991.4 |
| August 15, 2026 | Lewis Bryon MatthewChief Operations Officer | Exercised options | 2,626 | - |
| August 15, 2026 | Lewis Bryon MatthewChief Operations Officer | Shares withheld for tax | 640 | $2.5K |
| August 15, 2026 | Guerrero Paula LChief Information Officer | Exercised options | 2,709 | - |
| August 15, 2026 | Guerrero Paula LChief Information Officer | Shares withheld for tax | 796 | $3.2K |
| August 11, 2026 | Hoxworth Seth AlanChief Actuary | Bought | 5,376 | $20.6K |
| August 11, 2026 | Stenberg JonPresident & CEO, Director | Bought | 12,000 | $43.8K |
Who owns CIA
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Continental General Insurance Co13G, passive with 3 related filers | 5% | March 25, 2026 |
Largest institutional holders
Insiders
13 insiders reported holding 1,118,888 shares in total, about $4.9M at the last price.
| Holder | Shares |
|---|---|
| Stenberg JonPresident & CEO, Director | 389,574 |
| Conklin Jeffery P.CFO & Treasurer | 200,086 |
| Kinlaw Sheryl LChief Legal Officer | 99,350 |
| Claus Christopher WDirector | 84,405 |
| Waite Harvey J.Chief Actuary | 84,032 |
| Davis JerryDirector | 74,985 |
| Taylor MaryDirector | 60,831 |
| Davis Cynthia HDirector | 58,352100 held indirectly |
| Guerrero Paula LChief Information Officer | 20,204 |
| Lewis Bryon MatthewChief Operations Officer | 12,767 |
Questions about CIA
What does Citizens, Inc. do?
Citizens, Inc. is a company in the Finance sector, listed on NYSE as CIA. Its shares trade on NYSE under the ticker CIA.
What is Citizens, Inc.'s net worth?
Citizens, Inc. has a market value (market cap) of $221.8M at the latest share price, and shareholders' equity of $221.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Citizens, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $8.8M on revenue of $257.2M, a net margin of 3.4%.
How much revenue does Citizens, Inc. make?
Over the twelve months to September 30, 2026 Citizens, Inc. reported revenue of $257.2M. That is 4.1% more than a year earlier.
When did Citizens, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is Citizens, Inc.'s next earnings report?
Citizens, Inc.'s next report is expected around March 11, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Similar companies
Compare CIA with
Follow CIA
Get an email when Citizens, Inc. files with the SEC: results, executive changes, material agreements and annual reports.
Where the numbers come from
Financial figures are the values Citizens, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.