CIA
CITIZENS, INC.
Next earnings Aug 5, 2026 · consensus $0.07 EPS, $64.5M rev
Last earnings +0.7% on 2026-05-07
$6.38
▲ +7.23%$6.38▲ +85.47%
over 1Y
L $3.30EODHDH $6.38
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+7.2%
1W+8.5%
1M+23.4%
3M+39.3%
YTD+28.1%
1Y+85.5%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 5 analysts
Buy
Mixed signals in the latest filings.
Revenue (FY2025) $256M · FY2025
CITIZENS, INC. shows $256M in FY2025 revenue (+4.3% YoY), a 5.7% net margin, and 6.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $251M | $233M | $241M | $245M | $256M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $72.7M | $26.0M | $24.4M | $14.9M | $14.6M |
| Diluted EPS | — | — | — | — | — |
| Net margin | 29.0% | 11.2% | 10.2% | 6.1% | 5.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF18.3
PEG (trailing)—
Earnings yield4.5%
FCF yield5.5%
Quality & risk
ROIC (est.)—
Free cash flow$17.5M
Total debt—
Net cash$23.0M
Piotroski F-Score4/6
Capital returns
Buyback yield—
Dividend yield (est.)—
Shareholder yield—
Shares Δ YoY+0.8%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-04-072026-06-22open ↗4Period ending 2026-01-302026-06-22open ↗4Period ending 2026-05-052026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗4Period ending 2026-06-172026-06-22open ↗3Period ending 2026-06-162026-06-22open ↗8-KPeriod ending 2026-06-162026-06-18open ↗S-8Filing2026-06-17open ↗4Period ending 2026-01-302026-06-04open ↗4Period ending 2026-05-212026-05-26open ↗10-QPeriod ending 2026-03-312026-05-07open ↗
Frequently asked
- Is CITIZENS, INC. (CIA) a buy?
- CIA currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is CITIZENS, INC.'s quality score?
- CIA scores 65.91176470588235/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000024090, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 4:41:02 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.