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Citizens, Inc. (New York Stock Exchange:CIA)
US · Delayed Price · Currency is USD
Financial Services · Insurance - Life
3.54-0.06 (-1.67%)
Market cap
$179M
Insider Score
Health Score
Listed since
Dec 4, 1980
Website
Insider Score
/ 100
CIA Insider Score
CITIZENS, INC. has a live Insider Score.
Scored on 4 qualifying trades from 3 insiders in the last 90 days.
Financial Health Score
Sound
From CIA’s reported statements · Q2 2026 (trailing 12 months)
Profitability12 / 20
Profitable, but on a thin margin.
- Revenue
- $253.5M
- Net income
- $11.6M
- Net margin
- 4.6%
Leverage20 / 20
Little or no net debt.
- Total debt
- $0
- Cash
- $15.4M
- Net debt / EBITDA
- -1.03x
Liquidity0 / 20
Owes more within a year than it holds to pay it.
- Current assets
- $0
- Current liabilities
- $49.1M
- Current ratio
- 0.00
Cash generation15 / 20
The business funds itself from operations.
- Operating cash flow
- $15.5M
- Free cash flow
- $15.0M
- FCF margin
- 5.9%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 50.1M
- Share growth (1y)
- 0.0%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CIA Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 60.41 M | 58.23 M | 72.07 M | 62.81 M | 65.09 M | 55.65 M |
| Revenue Growth (YoY) | -7.19 % | 4.63 % | 13.54 % | 1.74 % | 4.84 % | -3.57 % |
| Cost of Revenue | 33.75 M | 39.65 M | 51.80 M | 43.66 M | 31.99 M | 37.58 M |
| Gross Profit | 26.66 M | 18.57 M | 20.27 M | 19.15 M | 33.10 M | 18.08 M |
| SG&A Expense | 14.09 M | 0.00 | 25.39 M | 13.29 M | 13.46 M | 12.69 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 27.19 M | 16.20 M | 12.41 M | 14.67 M | 26.18 M | 19.86 M |
| Operating Income | -529.00 K | 2.37 M | 7.86 M | 4.48 M | 6.91 M | -1.79 M |
| Pretax Income | -529.00 K | 2.37 M | 7.86 M | 4.48 M | 6.91 M | -1.79 M |
| Tax Provision | -104.00 K | 106.00 K | 526.00 K | 2.06 M | 455.00 K | -164.00 K |
| Net Income | -425.00 K | 2.27 M | 7.34 M | 2.42 M | 6.46 M | -1.62 M |
| EPS (Basic) | -0.01 | 0.05 | 0.15 | 0.05 | 0.13 | -0.03 |
| EPS (Diluted) | -0.01 | 0.04 | 0.15 | 0.05 | 0.13 | -0.03 |
| Shares Outstanding | 50.11 M | 50.11 M | 50.11 M | 50.11 M | 50.11 M | 49.91 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.