Latest revenue
$17.3M
as of 2026-03-31
Latest net income
$2.3M
as of 2026-03-31
Net margin
13.1%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $265.1M
- Enterprise value
- $265.1M
- P/E (trailing)
- 18.2×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $6.40
- 52-wk low
- $3.25
- Beta
- —
- Shares out
- 53.7M
5-year trend
What this company does
Item 1. BUSINESS OVERVIEW Incorporated in Colorado and based in Austin, Texas, Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company. Since 1969 it has addressed the life insurance needs of people in the United States, and since 1975, it has extended life insurance offerings to clients worldwide. Through our international insurance subsidiary, we provide insurance benefits to residents in over 80 different countries, and through our domestic insurance subsidiaries, we are licensed to issue insurance products in 43 U.S. states. We pursue a strategy of offering insurance products in niche markets where we believe we are able to achieve competitive advantages. We had…
AI summary unavailable — showing raw filing excerpt
Generated from CIA's filing dated 2026-03-12
Key risks
Item 1A. RISK FACTORS As a smaller reporting company, we are not required to provide risk factors. However, we believe it is important to disclose the material risks of investing in our securities. If any of these risks develop into actual events, our business, financial condition, results of operations or cash flows could be materially and adversely affected, and, as a result, the trading price of our Class A common stock could decline. You should read these risk factors together with Part II. Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations and the consolidated financial statements and accompanying notes in Part II. Item 8. Financial Statements…
AI summary unavailable — showing raw filing excerpt
Generated from CIA's filing dated 2026-03-12
Profitability
Net margin
5.7%
6.2%Return on equity
6.9%
2.2%Return on assets
0.8%
99.0%Leverage
Debt / equity
7.34×
901.0%Debt / assets
88.0%
108.0%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $17.3M | -0.4% | $2.3M | +239.7% | 13.1% |
Q4 2025 2025-12-31 | $202.0M | +4.9% | $9.0M | +147.5% | 4.4% |
Q3 2025 2025-09-30 | $19.1M | +10.0% | $2.4M | -13.4% | 12.6% |
Q2 2025 2025-06-30 | $17.2M | -2.1% | $4.8M | +22.2% | 28.2% |
Q1 2025 2025-03-31 | $17.4M | -0.6% | $-1.6M | -135.7% | -9.3% |
Q4 2024 2024-12-31 | $192.6M | — | $3.6M | — | 1.9% |
Q3 2024 2024-09-30 | $17.4M | +0.0% | $2.8M | +3.4% | 16.1% |
Q2 2024 2024-06-30 | $17.5M | +1.7% | $4.0M | -35.4% | 22.6% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Life Insurance · SIC 6311
Your notes
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Insider activity
Insider buying
$488.2K
Insider selling
$0
Net activity
+$488.2K
Distinct insiders
3
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns CIA
Institutional value
$39.4M
Total shares held
7.9M
Distinct holders
39
-26 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 3.3M | $16.4M | -33.1K (-1.0%) | Trimmed |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 2.0M | $9.8M | — | New |
| 3 | UBS Group AG | 646.4K | $3.3M | -121.8K (-15.9%) | Trimmed |
| 4 | First Eagle Investment Management, LLC | 582.8K | $2.9M | -5.0K (-0.9%) | Trimmed |
| 5 | VANGUARD FIDUCIARY TRUST CO | 288.8K | $1.5M | — | New |
| 6 | DIMENSIONAL FUND ADVISORS LP | 266.4K | $1.3M | -4.9K (-1.8%) | Trimmed |
| 7 | VANGUARD PORTFOLIO MANAGEMENT LLC | 260.2K | $1.3M | — | New |
| 8 | Bank of New York Mellon Corp | 113.1K | $569.1K | -2.5K (-2.2%) | Trimmed |
| 9 | HighTower Advisors, LLC | 75.9K | $381.8K | +23.9K (+46.0%) | Added |
| 10 | Nuveen, LLC | 61.2K | $307.8K | +0 (+0.0%) | No change |
| 11 | DEUTSCHE BANK AG\ | 47.1K | $237.1K | +6.2K (+15.1%) | Added |
| 12 | RHUMBLINE ADVISERS | 32.5K | $163.4K | -1.7K (-4.8%) | Trimmed |
| 13 | Invesco Ltd. | 31.4K | $158.1K | -7.9K (-20.0%) | Trimmed |
| 14 | Metis Global Partners, LLC | 24.1K | $121.2K | -17.8K (-42.5%) | Trimmed |
| 15 | Marietta Wealth Management, LLC | 23.8K | $119.7K | +0 (+0.0%) | No change |
| 16 | JPMORGAN CHASE & CO | 18.4K | $88.6K | -16.2K (-46.8%) | Trimmed |
| 17 | FRANKLIN RESOURCES INC | 17.5K | $87.9K | — | New |
| 18 | WELLS FARGO & COMPANY/MN | 17.1K | $86.0K | -33.6K (-66.3%) | Trimmed |
| 19 | LPL Financial LLC | 16.0K | $80.6K | +0 (+0.0%) | No change |
| 20 | Vanguard Global Advisers, LLC | 15.6K | $78.6K | — | New |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once CIA's latest filing finishes processing.