CIA
Citizens, Inc.5.70
+0.35+6.54%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
286.69MP/E (TTM)
27.14Basic EPS (TTM)
0.21Dividend Yield
0%Recent Filings
8-K
Record revenues, rising book value
Citizens, Inc. posted record full-year 2025 revenues of $255.6 million, up from $245.0 million in 2024, with income before federal income tax rising to $17.5 million. Q4 revenues hit $72.1 million, fueled by investment gains and 22% more producing agents; book value per Class A share climbed 11% to $4.67. Revenues grew. Management eyes 2026 profit expansion amid reclassified segments.
10-K
FY2025 results
Citizens delivered FY2025 net income of $14.6M, with direct premiums up 5.5% y/y to $188.8M—the second straight year of growth after stagnation since 2017—fueled by 23% y/y first-year premium surge in Domestic Insurance to $22.1M, while International held steady at 64% of premiums amid elevated endowment maturities. Q4 saw record-high matured endowments at $76.8M (up sharply y/y), yet death claims dropped 9% y/y to $22.1M thanks to the RGA coinsurance deal; Domestic remeasurement gain swelled on favorable mortality. No debt, $1.8B assets, $5.4B in-force—highest ever. Surrenders dipped 5% y/y. Foreign regulatory risks loom large.
8-K
CEO pay raised for retention
Citizens' board approved an amendment to CEO Jon Stenberg's employment agreement on March 5, 2026, boosting his base salary to $600,000 effective April 1 from $500,000, short-term incentive target to $480,000 from $400,000, and long-term incentive to $540,000 from $450,000 starting 2026. The hikes align pay with market data for retention. Compensation now matches peers.
8-K
Q3 revenues up, new director
Citizens reported Q3 2025 results on November 6, with total revenues up to $62.8M from $61.7M last year, driven by record $5.38B insurance in force and 19% more agents. Adjusted net income jumped 70% to $3.4M ($0.07/share), book value per share rose 8% to $4.49. Board added independent director Michael Harwood, actuarial veteran from AIG and MetLife. Growth accelerates.
10-Q
Q3 FY2025 results
Citizens posted Q3 net income of $2.4M, up from $2.8M y/y yet pre-tax income rose to $4.5M from $3.0M on 2% revenue growth to $62.8M, fueled by 10% higher net investment income to $19.1M and other income quadrupling to $1.6M from supplemental contracts—while investment losses hit $1.3M (derived). Nine-month pre-tax income dipped to $9.6M from $11.3M as matured endowments swelled claims 20% to $124.6M, offset by 6% premium gains to $126.5M. Operating cash flowed $8.9M; cash sits at $23.1M with $20M revolver untapped. Life segment carried the load. Policyholder retention beats assumptions.
IPO
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Employees
Sector
Industry
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