Citizens, Inc. (CIA)
NYSE: CIA · Real-Time Price · USD
3.745
-0.285 (-7.07%)
Nov 12, 2026, 2:20 PM EST - Market open
Citizens Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Premiums & Annuity Revenue | 178.33 | 176.37 | 173.33 | 167.04 | 173.71 | 174.73 |
Total Interest & Dividend Income | 70.76 | 72.04 | 69.71 | 69.25 | 65.43 | 61.5 |
Gain (Loss) on Sale of Investments | 2.76 | 0.14 | -2.63 | 0.76 | -10.29 | 10.99 |
Other Revenue | 5.39 | 7.07 | 4.59 | 3.63 | 3.68 | 3.33 |
| 257.24 | 255.62 | 245 | 240.68 | 232.52 | 250.55 | |
Revenue Growth | 4.14% | 4.33% | 1.80% | 3.51% | -7.19% | 4.89% |
Policy Benefits | 164.42 | 158.29 | 151.91 | 140.37 | 133.64 | 137.12 |
Policy Acquisition & Underwriting Costs | 27.11 | 26.81 | 25.85 | 27 | 26.33 | 26.93 |
Selling, General & Administrative | 55.86 | 53.04 | 52.27 | 47.13 | 45.18 | 43.37 |
Total Operating Expenses | 247.39 | 238.15 | 230.02 | 214.51 | 205.15 | 207.42 |
Operating Income | 9.85 | 17.47 | 14.98 | 26.17 | 27.38 | 43.13 |
EBT Excluding Unusual Items | 9.85 | 17.47 | 14.98 | 26.17 | 27.38 | 43.13 |
Impairment of Goodwill | - | - | - | - | - | -12.62 |
Pretax Income | 9.85 | 17.47 | 14.98 | 26.17 | 27.38 | 30.51 |
Income Tax Expense | 1.09 | 2.88 | 0.07 | 1.74 | 1.37 | -42.2 |
Net Income | 8.76 | 14.59 | 14.91 | 24.44 | 26.01 | 72.71 |
Net Income to Common | 8.76 | 14.59 | 14.91 | 24.44 | 26.01 | 72.71 |
Net Income Growth | -19.45% | -2.15% | -38.98% | -6.04% | -64.23% | - |
Shares Outstanding (Basic) | 50 | 50 | 50 | 50 | 50 | 50 |
Shares Outstanding (Diluted) | 52 | 51 | 51 | 51 | 51 | 51 |
Shares Change | 0.19% | 1.40% | 0.13% | -0.37% | 0.44% | -0.58% |
EPS (Basic) | 0.17 | 0.29 | 0.30 | 0.49 | 0.52 | 1.45 |
EPS (Diluted) | 0.17 | 0.28 | 0.29 | 0.48 | 0.51 | 1.44 |
EPS Growth | -19.08% | -3.45% | -39.58% | -6.12% | -64.39% | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 21.08 | 17.54 | 31.26 | 21.61 | 56.82 | 39.45 |
Free Cash Flow Per Share | 0.41 | 0.34 | 0.62 | 0.43 | 1.12 | 0.78 |
Operating Margin | 3.83% | 6.83% | 6.11% | 10.88% | 11.77% | 17.21% |
Profit Margin | 3.40% | 5.71% | 6.09% | 10.15% | 11.19% | 29.02% |
Free Cash Flow Margin | 8.19% | 6.86% | 12.76% | 8.98% | 24.44% | 15.75% |
EBITDA | 10.6 | 18.21 | 15.6 | 26.69 | 27.91 | 44.27 |
EBITDA Margin | 4.12% | 7.12% | 6.37% | 11.09% | 12.00% | 17.67% |
D&A For EBITDA | 0.75 | 0.74 | 0.62 | 0.52 | 0.54 | 1.14 |
EBIT | 9.85 | 17.47 | 14.98 | 26.17 | 27.38 | 43.13 |
EBIT Margin | 3.83% | 6.83% | 6.11% | 10.88% | 11.77% | 17.21% |
Effective Tax Rate | 11.09% | 16.48% | 0.45% | 6.64% | 5.00% | - |
Revenue as Reported | 257.24 | 255.62 | 245 | 240.68 | 232.52 | 250.55 |