Citizens, Inc. (CIA)

Citizens Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	71.97	72.04	69.71	69.25	65.43	61.5
Net Interest Income Growth	3.40%	3.34%	0.66%	5.85%	6.39%	2.16%
Non-Interest Income	137.84	183.58	175.29	171.43	164.1	189.05
Non-Interest Income Growth	11.03%	4.73%	2.25%	4.47%	-13.20%	5.82%
Revenues Before Loan Losses	259.68	255.62	245	240.68	232.52	250.55
Revenue	259.68	255.62	245	240.68	232.52	250.55
Revenue Growth (YoY)	6.89%	4.33%	1.80%	3.51%	-7.19%	4.89%
Other Non-Interest Expenses	238.05	238.15	230.02	214.51	205.15	220.04
Total Non-Interest Expense	238.05	238.15	230.02	214.51	205.15	220.04
Pretax Income	21.63	17.47	14.98	26.17	27.38	30.51
Provision for Income Taxes	3.15	2.88	0.07	1.74	1.37	-42.2
Net Income	18.48	14.59	14.91	24.44	26.01	72.71
Net Income to Common	18.48	14.59	14.91	24.44	26.01	72.71
Net Income Growth	111.30%	-2.15%	-38.98%	-6.04%	-64.23%	-
Shares Outstanding (Basic)	50	50	50	50	50	50
Shares Outstanding (Diluted)	51	51	51	51	51	51
Shares Change (YoY)	0.96%	1.40%	-0.32%	0.08%	0.44%	-0.58%
EPS (Basic)	0.37	0.29	0.30	0.49	0.52	1.46
EPS (Diluted)	0.35	0.28	0.29	0.48	0.51	1.44
EPS Growth	94.44%	-3.45%	-39.58%	-5.88%	-64.58%	-
Shares Outstanding	50.33	51.3	50.91	49.55	49.82	50.03
Free Cash Flow	16.25	17.54	31.26	21.61	56.82	39.45
Free Cash Flow Growth	-7.36%	-43.88%	44.60%	-61.96%	44.04%	-19.24%
Free Cash Flow Per Share	0.32	0.34	0.62	0.42	1.12	0.78
Profit Margin	7.12%	5.71%	6.09%	10.15%	11.18%	29.02%
FCF Margin	6.26%	6.86%	12.76%	8.98%	24.44%	15.74%
EBITDA	5.53	5.63	6.33	6.06	5.4	7.47
EBITDA Margin	2.13%	2.20%	2.58%	2.52%	2.32%	2.98%
Effective Tax Rate	14.56%	16.48%	0.45%	6.64%	5.00%	-138.34%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q