What is Citizens's market cap?

Citizens (CIA) has a market capitalization of $248.2M and trades on NYSE.

What is Citizens's revenue and profitability?

Citizens generated $259.7M in trailing twelve-month revenue with net income of $18.5M, representing a net margin of 7.1%, with free cash flow of $16.2M. These figures are based on the Q1 2026 filing.

Who are Citizens's competitors?

Citizens's key competitors include Globe Life Inc., MetLife, Inc., Aflac Incorporated, and others. These companies compete in similar markets and product categories.

Who does Citizens partner with?

Citizens's notable partners include Computershare Trust Company, N.A., RGA Reinsurance Company.

What subsidiaries does Citizens have?

Citizens's subsidiaries include CICA Life Insurance Company of America, Citizens Life Insurance Company of America, Security Plan Life Insurance Company, and others.

Where is Citizens headquartered?

Citizens is headquartered in United States of America and employs approximately 232 people. It has been publicly traded since 1988.

Citizens

CIA

Citizens, Inc. is an insurance holding company that provides life insurance and endowment products to niche markets in the United States and over 80 countries worldwide.

Market cap

$248.22M+24.4%

Revenue$259.7M+6.9%

Net income$18.5M+111%

Free cash flow$16.2M-35.4%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

May 7, 2026

Revenue$58.2MMiss by $510.0K EPS$0.05Miss by $0.00

Read the full report

Next report

Aug 6, 2026 (In 1 week)

Revenue estimate$63.9M

EPS estimate$0.07

Financials

Q1 2026

Income statement

See full

Revenue$59.7M+7.3%

Net income$2.3M+240%

EPS (diluted)$0.04+233%

Balance sheet

See full

Cash & equivalents$18.5M+0.9%

Total equity$238.7M+9.4%

Total assets$1.7B+2.2%

Cash flow

See full

Operating cash flow-$323.0K-143%

CapEx$326.0K+205%

Free cash flow-$649.0K-201%

Valuation & ratios

Valuation

See full

Market cap$248.22M+24.4%

P/E13.4×-4.7×

P/S1×+0.1×

Profitability

See full

Net margin7.1%+3.5pp

FCF margin6.3%-4.1pp

Returns & leverage

See full

Return on equity8.1%+3.9pp

Segments

By segment

See full

International Insurance Segment$40.0M—

Domestic Insurance Segment$19.5M—

Competitors

By market cap

Aflac$64.4B+18.1%

MetLife$61.2B+17.5%

Prudential Financial$42.3B+15.3%

Globe Life$13.5B+22.3%

Universal Insurance Holdings$1.2B+88.2%

Security National Financial Corporation$249.8M+10.1%

Citizens$248.2M+21.6%

EZR

Reliance Global Group, Inc.$1.7M—

By revenue growth

Aflac+7.2%

Citizens+6.9%

MetLife+5.6%

Globe Life+5.2%

Prudential Financial+4.1%

Universal Insurance Holdings+4.0%

Security National Financial Corporation+1.6%

By net margin

Aflac25.6%+4.3pp

Globe Life19.58%+1.5pp

Universal Insurance Holdings13.49%+9.3pp

Security National Financial Corporation10.19%+1.8pp

Citizens7.12%+3.5pp

Prudential Financial5.52%+1.6pp

MetLife4.66%-1.5pp

Profile

Citizens, Inc. is an insurance holding company that provides life insurance and endowment products to niche markets in the United States and over 80 countries worldwide. The company specializes in offering U.S. dollar-denominated policies to international clients to provide financial stability against local currency devaluation and inflation. Its core value proposition centers on simplified underwriting and specialized final expense products for underserved demographic segments.

Competitive position

A niche provider specializing in U.S. dollar-denominated international policies and simplified-issue domestic final expense insurance.

GeographiesUnited States, Latin America, Pacific Rim, Colombia, Taiwan, Ecuador, Venezuela, Argentina

Customer segmentsRetail, International Consumers, Seniors

Business modelInsurance Underwriting, Investment Spread, B2B2C

SuppliersCapital Markets, Fixed Maturity Securities Issuers, Technology Platform Providers

CustomersIndividual Policyholders, Beneficiaries, Funeral Homes

CountryUnited States of America

Listed1988

Employees232.0

CEOJon Scott Stenberg

SectorFinancial Services

IndustryInsurance - Life

Websitecitizensinc.com

FilingsSEC EDGAR

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Questions, answered.

What is Citizens's market cap?: Citizens (CIA) has a market capitalization of $248.2M and trades on NYSE.
What is Citizens's revenue and profitability?: Citizens generated $259.7M in trailing twelve-month revenue with net income of $18.5M, representing a net margin of 7.1%, with free cash flow of $16.2M. These figures are based on the Q1 2026 filing.
Who are Citizens's competitors?: Citizens's key competitors include Globe Life Inc., MetLife, Inc., Aflac Incorporated, and others. These companies compete in similar markets and product categories.
Who does Citizens partner with?: Citizens's notable partners include Computershare Trust Company, N.A., RGA Reinsurance Company.
What subsidiaries does Citizens have?: Citizens's subsidiaries include CICA Life Insurance Company of America, Citizens Life Insurance Company of America, Security Plan Life Insurance Company, and others.
Where is Citizens headquartered?: Citizens is headquartered in United States of America and employs approximately 232 people. It has been publicly traded since 1988.