YOLFTbeta
Citizens Inc

Citizens Inc

CIA · NYSE · Financial Services / Insurance - Life

3.26USD-0.41 (-11.17%)

Price History

Full chart

Market Stats

Previous Close3.67
Open3.65
Day Range3.22 – 3.70
52-Week Range3.39 – 6.54
Volume246.40K
Market Cap181.81M
P/E (TTM)16.32
Forward P/E17.67
EPS0.22
Dividend Yield0.00%
Beta0.43
50-Day Avg4.14
200-Day Avg5.07

About

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Jon Scott Stenberg
  • Employees243
  • Headquarters11815 Alterra Parkway, Austin, TX, United States, 78758, USA
  • Websitehttps://www.citizensinc.com

Leadership

  • Mr. Jon Scott StenbergPresident CEO & Director · b. 1966
  • Mr. Jeffery Paul ConklinCFO, Chief Investment Officer & Treasurer · b. 1970
  • Ms. Sheryl L. Kinlaw J.D.Chief Legal Officer & Secretary · b. 1969
  • Mr. Bryon Matthew LewisChief Operating Officer · b. 1974
  • Ms. Paula GuerreroChief Information Officer · b. 1965
  • Mr. David Scott Jorgensen CPAGeneral Manager for International Operations of CICA Life Insurance Company of America · b. 1964
  • Mr. Seth Alan HoxworthChief Actuary & Chief Risk Officer · b. 1986

Financials

Income Statement

Currency: USD1987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.00M12.50M17.40M20.60M27.90M34.70M42.76M49.30M49.21M63.90M65.03M72.68M71.88M66.68M67.65M82.90M92.06M99.86M142.11M158.06M169.64M146.67M188.98M190.32M194.16M202.76M213.64M230.22M236.27M245.41M252.63M244.01M250.59M238.85M250.53M232.52M240.68M245.00M255.62M
Growth (%)-+1150.00%+39.20%+18.39%+35.44%+24.37%+23.23%+15.29%-0.18%+29.85%+1.76%+11.78%-1.11%-7.23%+1.45%+22.55%+11.05%+8.47%+42.31%+11.22%+7.33%-13.54%+28.84%+0.71%+2.01%+4.43%+5.36%+7.77%+2.62%+3.87%+2.94%-3.41%+2.70%-4.69%+4.89%-7.19%+3.51%+1.80%+4.33%
Cost of Revenue--11.40M11.80M11.20M13.50M26.10M-29.40M30.10M37.00M40.16M72.20M59.72M58.85M78.43M88.53M56.78M138.40M138.68M73.31M84.91M94.32M135.16M145.72M159.50M168.24M183.30M191.86M197.67M202.96M188.01M190.32M191.92M122.40M117.73M-123.28M165.03M
Gross Profit1.00M12.50M17.40M20.60M27.90M34.70M16.66M49.30M19.81M33.80M28.03M32.53M-319.40K6.96M8.79M4.47M3.53M43.07M3.71M19.38M96.33M61.76M94.66M55.16M48.44M43.26M45.40M46.92M44.41M47.73M49.67M56.00M60.27M46.93M128.13M114.79M240.68M121.72M90.59M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%38.96%100.00%40.26%52.90%43.10%44.75%-0.44%10.43%13.00%5.39%3.83%43.13%2.61%12.26%56.78%42.11%50.09%28.98%24.95%21.33%21.25%20.38%18.80%19.45%19.66%22.95%24.05%19.65%51.14%49.37%100.00%49.68%35.44%
Operating Expense900.00K13.20M17.70M18.40M21.40M29.40M200.00K-0024.00M38.21M-1.29M4.43M3.76M-965.92K3.28M0-8.08M6.04M72.83M74.36M74.05M36.77M37.11M37.22M38.47M48.88M46.35M42.25M52.66M53.99M54.53M59.25M97.62M87.41M47.13M106.74M73.12M
Operating Income100.00K-700.00K-300.00K2.20M6.50M5.30M16.46M-19.81M33.80M4.03M-5.68M972.45K2.52M5.03M5.44M245.56K43.07M11.80M13.34M23.50M-12.60M20.61M18.39M11.33M6.04M6.93M-1.95M-1.94M5.48M-2.99M2.00M5.75M-12.32M30.50M27.38M193.55M14.98M17.47M
Operating Margin10.00%-5.60%-1.72%10.68%23.30%15.27%38.50%-40.26%52.90%6.20%-7.81%1.35%3.78%7.43%6.56%0.27%43.13%8.30%8.44%13.85%-8.59%10.90%9.66%5.84%2.98%3.24%-0.85%-0.82%2.23%-1.18%0.82%2.29%-5.16%12.18%11.77%80.42%6.11%6.83%
EBITDA100.00K-700.00K-300.00K2.20M6.50M5.30M900.00K6.40M20.41M35.20M6.92M6.44M1.58M3.13M5.77M8.76M11.09M48.54M19.73M19.29M27.78M-8.58M25.21M22.50M15.38M9.74M10.60M518.00K1.15M8.35M-1.92M3.45M7.42M-10.89M31.64M27.91M27.29M15.60M18.21M
EBITDA Margin10.00%-5.60%-1.72%10.68%23.30%15.27%2.10%12.98%41.48%55.09%10.64%8.87%2.20%4.70%8.53%10.57%12.04%48.60%13.88%12.20%16.37%-5.85%13.34%11.82%7.92%4.80%4.96%0.22%0.49%3.40%-0.76%1.42%2.96%-4.56%12.63%12.00%11.34%6.37%7.12%
Net Income100.00K-700.00K-400.00K1.50M4.60M4.00M5.53M4.20M4.17M2.20M3.43M-6.72M1.27M2.05M3.96M4.25M3.13M7.73M7.30M8.68M16.56M-15.71M17.34M14.70M8.48M4.53M4.79M-5.97M-3.14M1.97M-38.13M-11.06M-1.37M-10.99M72.71M26.01M24.44M14.91M14.59M
Net Income Margin10.00%-5.60%-2.30%7.28%16.49%11.53%12.92%8.52%8.48%3.44%5.27%-9.25%1.77%3.08%5.86%5.13%3.40%7.74%5.14%5.49%9.76%-10.71%9.18%7.73%4.37%2.23%2.24%-2.59%-1.33%0.80%-15.09%-4.53%-0.55%-4.60%29.02%11.18%10.15%6.09%5.71%
R&D------------------------00000000-------
R&D as % of Total Revenue------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense00100.00K100.00K200.00K100.00K200.00K0107.13K107.13K77.87K27.01K100.00K0000000000000000000000858.00K---
Interest Expense % of Total Revenue0.00%0.00%0.57%0.49%0.72%0.29%0.47%0.00%0.22%0.17%0.12%0.04%0.14%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.37%---

Balance Sheet

Currency: USD1987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets5.90M45.00M54.40M61.70M76.40M112.30M134.10M149.80M149.80M214.45M249.52M253.38M255.48M267.84M282.09M326.29M390.09M661.21M661.89M711.18M787.91M832.28M927.33M986.51M1.09B1.17B1.22B1.42B1.48B1.58B1.64B1.62B1.74B1.84B1.85B1.59B1.67B1.69B1.75B
Total Liabilities4.70M40.30M47.90M53.70M63.30M89.50M105.80M114.70M114.70M147.57M169.94M178.48M183.22M190.53M199.36M224.50M263.07M526.08M524.93M571.57M611.75M660.74M711.25M758.87M835.59M911.84M970.47M1.16B1.24B1.33B1.42B1.43B1.49B1.54B1.53B1.46B1.50B1.47B1.52B
Total Equity1.20M4.70M6.50M8.00M13.10M22.80M28.30M35.10M35.10M66.88M79.58M74.90M72.27M77.31M82.72M101.79M127.03M135.13M136.96M139.61M176.16M171.54M216.07M227.63M255.69M263.11M245.81M258.36M242.52M249.10M223.51M187.73M259.84M300.94M320.57M127.79M172.13M210.35M234.99M
Cash--------4.16M6.09M6.45M9.87M11.15M4.06M6.79M19.21M15.02M31.72M18.31M24.52M21.12M63.79M48.63M49.72M33.26M56.30M54.59M50.71M82.83M35.51M46.06M45.49M46.20M34.13M27.29M22.97M27.00M29.27M21.42M
Total Debt--900.00K900.00K1.40M1.40M1.10M700.00K700.00K489.17K937.43K333.33K-----30.00M--------------1.13M11.97M10.83M10.12M9.07M7.79M7.87M
Net Debt--900.00K900.00K1.40M1.40M1.10M700.00K700.00K-5.60M-5.52M-9.54M-11.15M-4.06M-6.79M-19.21M-15.02M-1.72M-18.31M-24.52M-21.12M-63.79M-48.63M-49.72M-33.26M-56.30M-54.59M-50.71M-82.83M-35.51M-46.06M-45.49M-46.20M-34.13M-27.29M-22.97M-27.00M-21.48M-21.42M

Cash Flow

Currency: USD1989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.60M3.90M6.90M6.50M10.30M8.10M8.10M11.94M13.93M13.14M7.63M9.40M14.52M10.60M13.63M9.47M34.51M39.08M37.92M46.43M52.09M60.54M64.28M69.27M81.41M97.93M87.15M102.27M93.01M84.62M72.22M48.83M40.45M56.92M22.06M31.92M17.99M
Investing Cash Flow1.90M-9.00M-6.10M-1.30M-400.00K--27.50M-12.70M-13.26M-9.12M-6.32M-16.49M-11.79M1.82M-17.83M-34.05M-22.59M-33.56M-58.84M-14.34M-68.81M-62.05M-85.07M-50.04M-84.87M-103.95M-58.03M-152.08M-85.00M-85.13M-69.34M-61.81M-41.08M-60.74M-14.50M-27.17M-19.67M
Financing Cash Flow-800.00K100.00K-100.00K200.00K-300.00K5.00M5.00M-211.36K-198.73K-604.10K-333.33K----41.29M-25.33M693.00K17.52M10.58M1.54M2.61M4.33M3.81M1.75M2.13M3.00M2.49M2.55M-58.00K-2.17M904.00K-6.21M-499.00K-3.54M-2.47M-4.61M
Capital Expenditure00002.00M1.20M1.20M691.63K197.29K1.03M717.05K1.07M1.49M486.85K1.23M3.49M431.88K1.28M4.36M1.11M2.73M2.37M1.80M619.00K393.00K481.00K590.00K2.21M1.33M724.00K511.00K221.00K1.01M100.00K442.00K663.00K447.00K
Free Cash Flow2.60M3.90M6.90M6.50M8.30M6.90M6.90M11.25M13.73M12.11M6.92M8.33M13.03M10.11M12.40M5.98M34.07M37.80M33.56M45.32M49.36M58.17M62.48M68.65M81.02M97.45M86.56M100.06M91.69M83.90M71.71M48.61M39.45M56.82M21.61M31.25M17.54M
Dividends Paid---------------------19.80M6.80M000000---6.14M23.00K---
FCF to OCF100.00%100.00%100.00%100.00%80.58%85.19%85.19%94.21%98.58%92.18%90.61%88.58%89.72%95.41%90.97%63.19%98.75%96.73%88.51%97.61%94.75%96.09%97.20%99.11%99.52%99.51%99.32%97.84%98.57%99.14%99.29%99.55%97.51%99.82%98.00%97.92%97.51%
Dividend Paid to FCF---------------------34.04%10.88%0.00%0.00%0.00%0.00%0.00%0.00%---15.56%0.04%---

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Aug 14, 2003Nov 14, 2003Mar 15, 2004May 16, 2004Aug 9, 2004Nov 9, 2004May 16, 2005Aug 9, 2005Nov 10, 2005Mar 16, 2006May 10, 2006Aug 9, 2006Nov 13, 2006May 10, 2007Aug 9, 2007Nov 8, 2007Mar 14, 2008May 8, 2008Aug 11, 2008Nov 6, 2008Mar 12, 2009May 7, 2009Aug 6, 2009Nov 5, 2009Mar 10, 2010May 6, 2010Aug 6, 2010Nov 5, 2010Mar 10, 2011May 5, 2011Aug 8, 2011Nov 3, 2011Mar 12, 2012May 7, 2012Aug 6, 2012Nov 6, 2012Mar 11, 2013May 2, 2013Aug 6, 2013Nov 6, 2013Mar 11, 2014May 6, 2014Aug 7, 2014Nov 5, 2014Mar 31, 2015Apr 6, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Nov 7, 2016Mar 31, 2017May 9, 2017Aug 4, 2017Nov 7, 2017Mar 29, 2018May 3, 2018Aug 8, 2018Nov 7, 2018Mar 13, 2019May 7, 2019Aug 9, 2019Nov 12, 2019Mar 11, 2020May 7, 2020Aug 5, 2020Nov 4, 2020Mar 10, 2021May 6, 2021Aug 11, 2021Nov 4, 2021Mar 11, 2022May 5, 2022Aug 4, 2022Nov 4, 2022Mar 13, 2023May 8, 2023Aug 4, 2023Nov 6, 2023Mar 6, 2024May 7, 2024Aug 6, 2024Nov 7, 2024Mar 12, 2025May 8, 2025Aug 7, 2025Nov 6, 2025Mar 12, 2026May 7, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate------------------------------------0.060.060.090.020.060.060.050.040.050.040.050.040.040.050.040.040.040.060.040.040.040.030.040.030.020.020.02-0.03----------------------------------0.210.060.060.080.090.050.040.060.090.050.070.03
EPS Actual0.000.01-0.250.01-0.000.03-0.010.03-0.010.050.010.020.040.040.040.030.010.03-0.01-0.000.030.050.010.020.030.05-0.000.020.060.040.010.050.050.070.100.130.050.06-0.04-0.490.030.030.040.160.030.070.030.190.030.070.050.020.030.010.040.020.020.030.040.020.030.020.050.01-0.230.00-0.04-0.050.030.060.000.040.040.010.070.00-0.17-0.05-0.290.13-0.08-0.090.040.10-0.07-0.02-0.160.03-0.070.10-0.060.75-0.03-0.07-0.100.070.100.120.050.220.090.080.050.150.020.130.070.110.030.01-
Surprise-------------------------------------16.67%0.00%-144.44%-2550.00%-50.00%-50.00%-20.00%300.00%-40.00%75.00%-40.00%375.00%-25.00%40.00%25.00%-50.00%-25.00%-83.33%0.00%-57.25%-50.00%0.00%0.00%-33.33%50.00%0.00%150.00%--866.67%----------------------------------3.24%50.00%33.33%-37.50%67.67%-60.00%225.00%16.67%22.22%-40.00%-85.71%-
Timing------------------------------------Pre-marketAfter-hoursAfter-hours---------After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hours-After-hours-----After-hours-After-hoursAfter-hoursAfter-hoursAfter-hours---------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap181.81M
Enterprise Value163.36M
Trailing P/E16.32
Forward P/E17.67
PEG Ratio1.21
Price / Sales0.71
Price / Book0.80
EPS0.22
Book Value4.64
Revenue (TTM)255.01M
Gross Profit (TTM)68.54M
EBITDA14.94M
Profit Margin4.55%
Operating Margin-0.88%
Return on Equity5.00%
Return on Assets0.51%
Shares Outstanding50.64M
Shares Float45.13M
Beta0.43
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
30.57%
Insiders
11.56%
Retail / Other
57.87%

Top Institutional Holders

  • BlackRock Inc
    3.27M6.45%
  • Vanguard Capital Management, LLC
    1.96M3.86%
  • Arnhold & S. Bleichroeder Advisers, LLC
    1.17M2.31%
  • Geode Capital Management, LLC
    1.05M2.08%
  • State Street Corp
    668.46K1.32%
  • UBS Group AG
    646.37K1.28%
  • Bridgeway Capital Management, LLC
    494.42K0.98%
  • Northern Trust Corp
    344.48K0.68%
  • Vanguard Fiduciary Trust Co
    288.81K0.57%
  • Dimensional Fund Advisors, Inc.
    266.37K0.53%
  • Vanguard Portfolio Management, LLC
    260.20K0.51%
  • Empowered Funds, LLC
    238.49K0.47%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    1.42M2.80%
  • iShares Russell 2000 ETF
    1.24M2.45%
  • First Eagle Small Cap Opportunity I
    536.13K1.06%
  • Fidelity Small Cap Index
    499.30K0.99%
  • iShares Russell 2000 Value ETF
    463.95K0.92%
  • EA Bridgeway Omni Small-Cap Value ETF
    272.95K0.54%
  • Vanguard Russell 2000 ETF
    263.46K0.52%
  • Fidelity Extended Market Index
    231.69K0.46%

Stock Splits

  • Dec 13, 2005107:100
  • Nov 29, 2004107:100
  • Nov 26, 2003107:100
  • Apr 29, 200223:20
  • Nov 29, 2000107:100
  • Nov 29, 1999107:100