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    Citizens

    CIA
    Last price US$3.98
    Market cap US$298.8m
    12M price change -21.75%
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    Aflac IncAFL Industry peer Globe Life IncGL Industry peer Unum GroupUNM Industry peer Pathward Financial IncCASH Sector peer
    Overview Earnings Report Price History News Competitors Earnings per Share Return on Equity Net Margin Share Buyback Leverage Financial Statements Financial Ratio
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    Citizens Overview

    Industry: Insurance Life

    Sector: Financial Services

    Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides accident and health insurance policies. The company was founded in 1969 and is headquartered in Austin, Texas. Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United S Read More

    Mavefund brings filings, fundamentals, valuation, price history and news for Citizens into one research view. The sections below show what strengthens or weakens the research case.

    Score

    Reported Results

    What the company reported, with filing details kept small.

    Filed Aug 06, 2026

    Quarterly result summary

    Revenue was $60.4M (reported). Net loss was -$0.4M. Net income was $0.8M (-81% YoY).

    Revenue $60.4M reported
    Net loss -$0.4M reported
    Net income $0.8M -81% YoY
    Cash $17M reported

    What changed

    • Revenue reported to $60.4M.
    • Net income -81% YoY to $0.8M.

    Guidance / outlook

    we expect other income to decline as matured endowment benefits also decline, as contractually expected.

    Earnings release Open filing

    Source: SEC EDGAR company-filed earnings materials. Dates are shown only for verification; review the source filing before relying on extracted report details.

    Other recent earnings materials
    SEC filing 10-Q Aug 06, 2026 SEC filing 8-K Aug 06, 2026 SEC filing 10-Q May 07, 2026 SEC filing 8-K May 07, 2026 Earnings release Earnings release May 07, 2026 SEC filing 10-K Mar 12, 2026 SEC filing 8-K Mar 12, 2026 Earnings release Earnings release Mar 12, 2026 SEC filing 8-K Nov 07, 2025 Earnings release Earnings release Nov 07, 2025 SEC filing 10-Q Nov 06, 2025

    Prediction-grade evidence

    Recent News

    Company-relevant articles from sources that pass the Mave Signal relevance and reliability checks.

    Earnings Per Share

    Score 1.00/5
    Citizens earns a low score, as its Earnings Per Share (EPS) has not shown continuous growth over the last six years. Notable counterparts in the sector with high scores includes Aflac Inc Pathward Financial Inc T. Rowe Price Group Inc
    In Insurance Life industry , Aflac Inc , Globe Life Inc , Unum Group are companies with high ratings.

    Return on Equity

    Score 2.15/5
    Citizens exhibits a lower score in the Return on Equity (ROE) section, falling below the sector median value and indicating a comparatively weaker performance in this metric. The top companies in the same sector include Aflac Inc Pathward Financial Inc T. Rowe Price Group Inc
    Citizens CIA US$298.8m
    Aflac Inc AFL US$62.2b
    Pathward Fin... CASH US$2.0b
    T. Rowe Pric... TROW US$25.9b

    Net Margin

    Score 1.71/5
    Citizens olds a low score as its net margin consistently trails below the sector median value and doesn't exhibit continuous growth over the last six years; notable companies in the sector with commendable scores include Aflac Inc Pathward Financial Inc T. Rowe Price Group Inc
    Citizens CIA US$298.8m
    Aflac Inc AFL US$62.2b
    Pathward Fin... CASH US$2.0b
    T. Rowe Pric... TROW US$25.9b

    Share Buyback

    In Insurance Life industry , Aflac Inc , Globe Life Inc , Unum Group are companies with high ratings.

    Leverage

    Score 2.38/5
    Citizens registers a lower score in the category as a result of its elevated leverage ratio over the past six years compared to the sector median value. Conversely, other companies in the same sector, including Aflac Inc Pathward Financial Inc T. Rowe Price Group Inc have achieved high scores.
    Citizens CIA US$298.8m
    Aflac Inc AFL US$62.2b
    Pathward Fin... CASH US$2.0b
    T. Rowe Pric... TROW US$25.9b

    Financial Statements

    Company-reported SEC EDGAR facts organized into the three core statements.

    Reported currency
    Verified SEC statements load when this section enters view.

    Source: SEC EDGAR companyfacts. Values are standardized company filings for research support, not personalized financial advice.

    Financial Ratio

    Yearly Quarterly

    Financial
    Profitability
    Growth
    Cash Flow
    Financial Health
    Efficiency Ratios

    Citizens logo

    Citizens

    US$3.98

    US$4.63

    +16.4% vs price

    US$298.8m

    5.16%

    -21.75%