# Citizens, Inc.: overview

CIA · NYSE · CIK 24090 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/cia.md) · [Financials](/companies/cia/financials.md) · [Filings](/companies/cia/filings.md) · [Insiders](/companies/cia/insiders.md)

Latest reported revenue: [$60.4m](/filings/0000024090-26-000043.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 6, 2026 (XBRL us-gaap:Revenues, accession 0000024090-26-000043).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [61.7](/filings/0000024090-26-000011.md) | [63.5](/filings/0000024090-26-000011.md) | [55.7](/filings/0000024090-26-000027.md) | [65.1](/filings/0000024090-26-000043.md) | [62.8](/filings/0000024090-26-000011.md) | [72.1](/filings/0000024090-26-000011.md) | [59.7](/filings/0000024090-26-000027.md) | [60.4](/filings/0000024090-26-000043.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [4.5%](/filings/0000024090-26-000011.md) | [5.7%](/filings/0000024090-26-000011.md) | [(2.9%)](/filings/0000024090-26-000043.md) | [9.9%](/filings/0000024090-26-000043.md) | [3.8%](/filings/0000024090-26-000011.md) | [10.2%](/filings/0000024090-26-000011.md) | [3.8%](/filings/0000024090-26-000043.md) | [(0.7%)](/filings/0000024090-26-000043.md) |
| Diluted EPS | $ per share | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Free cash flow | $m | [9.3 d](/filings/0000024090-25-000124.md) | [10.7 d](/filings/0000024090-26-000011.md) | [0.6](/filings/0000024090-26-000027.md) | [3.3 d](/filings/0000024090-26-000043.md) | [4.6 d](/filings/0000024090-25-000124.md) | [9.0 d](/filings/0000024090-26-000011.md) | [(0.6)](/filings/0000024090-26-000027.md) | [2.0 d](/filings/0000024090-26-000043.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL not reported.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [251](/filings/0000024090-24-000031.md) | [233](/filings/0000024090-24-000031.md) | [241](/filings/0000024090-25-000018.md) | [245](/filings/0000024090-26-000011.md) | [256](/filings/0000024090-26-000011.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [29.0%](/filings/0000024090-24-000031.md) | [11.2%](/filings/0000024090-24-000031.md) | [10.2%](/filings/0000024090-25-000018.md) | [6.1%](/filings/0000024090-26-000011.md) | [5.7%](/filings/0000024090-26-000011.md) |
| Diluted EPS | $ per share | not reported | not reported | not reported | not reported | not reported |
| Free cash flow | $m | [39.4](/filings/0000024090-24-000031.md) | [56.8](/filings/0000024090-24-000031.md) | [21.6](/filings/0000024090-25-000018.md) | [31.3](/filings/0000024090-26-000011.md) | [17.5](/filings/0000024090-26-000011.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL not reported.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cia/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $20.5m | 3,578,569 |  | Added +311,270 |
| [CONTINENTAL GENERAL INSURANCE CO](/funds/24046.md) | 2026-06-30 | $15.2m | 2,647,918 |  | Added +96,269 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $11.4m | 1,985,149 |  | Added +30,026 |
| [UBS Group AG](/funds/1610520.md) | 2026-06-30 | $6.8m | 1,188,654 |  | Added +542,281 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $6.4m | 1,120,660 |  | Added +68,437 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $3.8m | 667,706 |  | Reduced −752 |
| [First Eagle Investment Management, LLC](/funds/1325447.md) | 2026-06-30 | $3.4m | 584,050 |  | Added +1,300 |
| [First Eagle Investment Management, LLC](/funds/1325447.md) | 2026-06-30 | $3.4m | 584,050 |  | Added +1,300 |
| [BRIDGEWAY CAPITAL MANAGEMENT, LLC](/funds/1107261.md) | 2026-06-30 | $2.9m | 512,708 |  | Added +18,290 |
| [NORTHERN TRUST CORP](/funds/73124.md) | 2026-06-30 | $2.2m | 377,518 |  | Added +33,039 |

## Recent filings

[All 884 filings](/companies/cia/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-09 | 18:02 ET | [8-K](/filings/0000024090-26-000045.md) | 1.01 Entry into a material agreement; 9.01 Financial statements and exhibits | 0000024090-26-000045 |
| 2026-08-06 | 20:09 ET | [10-Q](/filings/0000024090-26-000043.md) | Quarterly report, period 2026-06-30 | 0000024090-26-000043 |
| 2026-08-06 | 20:07 ET | [8-K](/filings/0000024090-26-000042.md) | 2.02 Results of operations | 0000024090-26-000042 |
| 2026-06-18 | 14:01 ET | [8-K](/filings/0000024090-26-000036.md) | 5.07 Shareholder vote results | 0000024090-26-000036 |
| 2026-05-07 | 20:15 ET | [10-Q](/filings/0000024090-26-000027.md) | Quarterly report, period 2026-03-31 | 0000024090-26-000027 |
| 2026-05-07 | 20:11 ET | [8-K](/filings/0000024090-26-000026.md) | 2.02 Results of operations | 0000024090-26-000026 |
| 2026-04-30 | 13:45 ET | [DEF 14A](/filings/0000024090-26-000019.md) | Proxy statement, period 2026-06-16 | 0000024090-26-000019 |
| 2026-03-12 | 20:11 ET | [10-K](/filings/0000024090-26-000011.md) | Annual report, period 2025-12-31 | 0000024090-26-000011 |
| 2026-03-12 | 20:09 ET | [8-K](/filings/0000024090-26-000010.md) | 2.02 Results of operations | 0000024090-26-000010 |
| 2026-03-10 | 15:13 ET | [8-K](/filings/0000024090-26-000005.md) | 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0000024090-26-000005 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0000024090-26-000011.md), filed Mar 12, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/9e282217-82ff-4f0b-9099-0a2f94446518)

## About the filer

- CIK: 24090
- Tickers: CIA
- Exchange: NYSE
- SIC code: 6311 Life Insurance
- State of incorporation: CO
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:18 ET. No prices; not investment advice.