Citizens, Inc. (CIA)

Citizens Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	72.04	69.71	69.25	65.43	61.5
Net Interest Income Growth	3.34%	0.66%	5.85%	6.39%	2.16%
Non-Interest Income	183.58	175.29	171.43	164.1	189.05
Non-Interest Income Growth	4.73%	2.25%	4.47%	-13.20%	5.82%
Revenues Before Loan Losses	255.62	245	240.68	232.52	250.55
Revenue	255.62	245	240.68	232.52	250.55
Revenue Growth (YoY)	4.33%	1.80%	3.51%	-7.19%	4.89%
Other Non-Interest Expenses	238.15	230.02	214.51	205.15	220.04
Total Non-Interest Expense	238.15	230.02	214.51	205.15	220.04
Pretax Income	17.47	14.98	26.17	27.38	30.51
Provision for Income Taxes	2.88	0.07	1.74	1.37	-42.2
Net Income	14.59	14.91	24.44	26.01	72.71
Net Income to Common	14.59	14.91	24.44	26.01	72.71
Net Income Growth	-2.15%	-38.98%	-6.04%	-64.23%	-
Shares Outstanding (Basic)	50	50	50	50	50
Shares Outstanding (Diluted)	51	51	51	51	51
Shares Change (YoY)	1.40%	-0.32%	0.08%	0.44%	-0.58%
EPS (Basic)	0.29	0.30	0.49	0.52	1.46
EPS (Diluted)	0.28	0.29	0.48	0.51	1.44
EPS Growth	-3.45%	-39.58%	-5.88%	-64.58%	-
Free Cash Flow	17.54	31.26	21.61	56.82	39.45
Free Cash Flow Growth	-43.88%	44.60%	-61.96%	44.04%	-19.24%
Free Cash Flow Per Share	0.34	0.62	-	1.12	0.78
Profit Margin	5.71%	6.09%	10.15%	11.18%	29.02%
FCF Margin	6.86%	12.76%	8.98%	24.44%	15.74%
EBITDA	5.63	6.33	6.06	5.4	7.47
EBITDA Margin	2.20%	2.58%	2.52%	2.32%	2.98%
Effective Tax Rate	16.48%	0.45%	6.64%	5.00%	-138.34%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q