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Citizens Inc
NYSE:CIA

Watchlist Manager
Citizens Inc Logo
Citizens Inc
NYSE:CIA
Watchlist
Price: 5.575 USD -1.5%
Market Cap: $280.4m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Income Statement
Citizens Inc

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Income Statement
Currency: USD
Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Gross Premiums Earned
55
59
64
69
73
75
77
79
79
77
75
83
97
107
118
118
120
123
125
126
132
134
137
139
140
142
141
140
144
146
149
151
150
150
152
153
155
159
162
163
165
166
168
171
173
175
176
177
179
182
185
189
191
193
195
196
196
196
196
199
200
198
200
199
198
196
193
190
188
186
185
186
185
183
180
177
175
177
176
178
179
178
179
177
176
174
172
171
171
175
176
178
180
181
182
183
Revenue
68
N/A
73
+7%
78
+6%
83
+7%
87
+5%
89
+3%
92
+3%
95
+3%
96
+0%
94
-2%
92
-2%
100
+8%
117
+17%
129
+10%
141
+10%
142
+1%
145
+2%
149
+3%
152
+2%
154
+2%
160
+4%
162
+2%
165
+2%
170
+2%
171
+1%
174
+2%
172
-1%
147
-15%
151
+3%
154
+1%
158
+3%
189
+19%
188
0%
189
+0%
190
+0%
190
+0%
192
+1%
195
+1%
197
+1%
194
-2%
196
+1%
197
+1%
201
+2%
203
+1%
205
+1%
209
+2%
211
+1%
214
+1%
217
+2%
220
+1%
224
+2%
230
+3%
233
+1%
237
+2%
238
+0%
236
-1%
235
-1%
236
+0%
240
+2%
245
+2%
250
+2%
250
0%
253
+1%
253
0%
250
-1%
249
0%
246
-1%
244
-1%
249
+2%
246
-1%
246
+0%
251
+2%
244
-3%
245
+1%
244
-1%
239
-2%
239
0%
244
+2%
246
+1%
251
+2%
250
0%
241
-4%
235
-2%
233
-1%
233
+0%
238
+2%
241
+1%
241
0%
242
+1%
246
+1%
248
+1%
245
-1%
243
-1%
246
+1%
247
+0%
256
+3%
Operating Income
Operating Expenses
(62)
(66)
(72)
(78)
(84)
(88)
(89)
(92)
(91)
(88)
(86)
(92)
(106)
(118)
(131)
(130)
(135)
(139)
(140)
(141)
(144)
(142)
(144)
(146)
(147)
(151)
(155)
(159)
(163)
(165)
(167)
(168)
(171)
(171)
(172)
(172)
(173)
(175)
(178)
(183)
(185)
(190)
(193)
(197)
(200)
(203)
(206)
(207)
(210)
(213)
(216)
(232)
(237)
(243)
(247)
(238)
(239)
(236)
(235)
(240)
(242)
(242)
(246)
(256)
(252)
(257)
(251)
(242)
(248)
(244)
(248)
(245)
(242)
(240)
(249)
(251)
(251)
(252)
(248)
(245)
(255)
(255)
(251)
(240)
(232)
(228)
(221)
(215)
(218)
(225)
(229)
(230)
(235)
(234)
(234)
(238)
Selling, General & Administrative
0
0
0
(4)
0
0
0
(4)
0
0
0
(4)
0
0
0
(5)
0
0
0
(5)
0
0
0
(6)
0
0
0
(7)
0
0
0
(35)
0
0
0
(34)
0
0
0
(34)
0
0
0
(35)
0
0
0
(36)
(18)
(28)
(36)
(47)
(48)
(51)
(52)
(44)
(45)
(42)
(39)
(40)
(41)
(41)
(43)
(53)
(49)
(54)
(59)
(54)
(61)
(59)
(58)
(55)
(52)
(51)
(59)
(59)
(59)
(60)
(51)
(50)
(49)
(48)
(49)
(51)
(51)
(53)
(53)
(53)
(53)
(57)
(57)
(58)
(59)
(56)
(57)
(59)
Depreciation & Amortization
(2)
(2)
(2)
(3)
(5)
(6)
(6)
(7)
(5)
(4)
(4)
(4)
(5)
(5)
(7)
(6)
(6)
(5)
(3)
(5)
(4)
(4)
(4)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(3)
(2)
(2)
(2)
(2)
(2)
(1)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(0)
(0)
(0)
Benefits Claims Loss Adjustment
(52)
(55)
(60)
(61)
(67)
(70)
(71)
(69)
(75)
(73)
(72)
(75)
(93)
(105)
(115)
(109)
(118)
(122)
(124)
(119)
(128)
(126)
(128)
(124)
(131)
(134)
(138)
(129)
(144)
(147)
(147)
(109)
(146)
(145)
(146)
(118)
(153)
(155)
(159)
(129)
(165)
(170)
(173)
(142)
(180)
(182)
(184)
(150)
(170)
(163)
(157)
(162)
(166)
(168)
(170)
(169)
(167)
(166)
(167)
(169)
(170)
(168)
(170)
(171)
(171)
(171)
(157)
(151)
(151)
(150)
(158)
(161)
(161)
(160)
(162)
(163)
(163)
(163)
(168)
(169)
(168)
(168)
(163)
(161)
(156)
(152)
(148)
(146)
(149)
(150)
(154)
(154)
(157)
(159)
(157)
(160)
Policy Acquisition Expense
(8)
(9)
(9)
(10)
(11)
(12)
(12)
(12)
(12)
(11)
(10)
(8)
(8)
(8)
(8)
(10)
(11)
(11)
(12)
(11)
(12)
(12)
(12)
(13)
(13)
(14)
(15)
(21)
(16)
(15)
(16)
(21)
(22)
(22)
(23)
(17)
(17)
(17)
(16)
(17)
(17)
(17)
(17)
(18)
(18)
(18)
(19)
(19)
(19)
(20)
(20)
(21)
(21)
(22)
(23)
(23)
(25)
(26)
(27)
(29)
(29)
(30)
(31)
(30)
(30)
(29)
(33)
(34)
(33)
(33)
(29)
(28)
(28)
(27)
(26)
(27)
(28)
(28)
(27)
(25)
(25)
(24)
(26)
(27)
(25)
(22)
(19)
(15)
(16)
(16)
(17)
(17)
(18)
(18)
(19)
(19)
Other Operating Expenses
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(13)
(13)
(13)
0
0
0
0
0
0
0
0
0
0
0
0
0
Operating Income
6
N/A
7
+10%
5
-22%
6
+0%
3
-45%
2
-48%
3
+91%
3
+10%
4
+28%
6
+36%
6
+7%
8
+32%
11
+35%
10
-6%
10
N/A
12
+15%
10
-16%
10
+2%
12
+21%
13
+9%
16
+18%
20
+27%
22
+7%
24
+9%
24
+2%
23
-4%
17
-27%
(13)
N/A
(11)
+11%
(12)
-6%
(8)
+30%
21
N/A
17
-17%
18
+4%
18
-1%
18
+3%
20
+7%
20
+0%
20
-1%
11
-42%
11
-3%
7
-37%
8
+18%
6
-26%
5
-16%
7
+29%
5
-22%
7
+36%
8
+9%
7
-4%
8
+9%
(2)
N/A
(4)
-106%
(6)
-57%
(10)
-53%
(2)
+81%
(4)
-90%
(0)
+94%
5
N/A
6
+21%
9
+60%
8
-5%
7
-18%
(3)
N/A
(1)
+54%
(8)
-431%
(5)
+32%
2
N/A
1
-28%
2
+55%
(1)
N/A
6
N/A
2
-74%
5
+251%
(5)
N/A
(12)
-144%
(13)
-4%
(8)
+40%
(2)
+71%
6
N/A
(5)
N/A
(14)
-188%
(16)
-15%
(7)
+56%
1
N/A
10
+1 555%
20
+92%
26
+33%
24
-7%
22
-11%
20
-7%
15
-25%
8
-45%
12
+44%
13
+12%
17
+31%
Pre-Tax Income
Non-Reccuring Items
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(13)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gain/Loss on Disposition of Assets
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
6
N/A
7
+10%
5
-22%
6
+0%
3
-45%
2
-48%
3
+91%
3
+10%
4
+28%
6
+36%
6
+7%
8
+32%
11
+35%
10
-6%
10
N/A
12
+15%
10
-16%
10
+2%
12
+21%
13
+9%
16
+18%
20
+27%
22
+7%
24
+9%
24
+2%
23
-4%
17
-27%
(13)
N/A
(11)
+11%
(12)
-6%
(8)
+30%
21
N/A
17
-17%
18
+4%
18
-1%
18
+3%
20
+7%
20
+0%
20
-1%
11
-42%
11
-3%
7
-37%
8
+18%
6
-26%
5
-16%
7
+29%
5
-22%
7
+36%
8
+9%
7
-4%
8
+9%
(2)
N/A
(4)
-106%
(6)
-57%
(10)
-53%
(2)
+81%
(4)
-90%
(0)
+94%
5
N/A
6
+21%
9
+60%
8
-5%
7
-18%
(3)
N/A
(1)
+55%
(8)
-460%
(5)
+32%
2
N/A
1
-28%
2
+55%
(1)
N/A
6
N/A
2
-74%
5
+251%
(5)
N/A
(12)
-144%
(13)
-4%
(8)
+40%
(2)
+71%
(7)
-201%
(5)
+27%
(14)
-188%
(16)
-15%
(7)
+56%
1
N/A
10
+1 555%
20
+92%
26
+33%
24
-7%
22
-11%
20
-7%
15
-25%
8
-45%
12
+44%
13
+12%
17
+31%
Net Income
Tax Provision
(1)
(1)
(1)
(1)
(1)
(0)
(1)
(0)
(0)
(1)
(1)
(0)
(1)
(1)
(1)
(5)
(4)
(4)
(5)
(5)
(6)
(7)
(7)
(7)
(7)
(7)
(6)
(3)
(3)
(2)
(3)
(3)
(3)
(3)
(4)
(4)
(4)
(4)
(4)
(3)
(3)
(1)
(2)
(2)
(1)
(2)
(1)
(2)
(2)
(2)
(2)
(4)
(3)
(4)
(3)
(1)
(2)
(2)
(4)
(4)
(2)
(3)
(1)
1
(3)
0
(13)
(13)
(9)
(11)
1
(7)
(3)
(3)
(3)
1
2
3
2
44
44
45
44
0
(1)
(1)
(3)
(2)
(0)
0
2
(0)
0
(1)
(2)
(3)
Income from Continuing Operations
5
6
4
4
2
1
2
3
4
5
5
8
10
9
9
7
6
6
8
9
10
13
15
17
17
16
11
(16)
(14)
(14)
(11)
17
15
14
14
15
16
15
16
9
8
6
7
5
4
5
4
5
5
5
5
(6)
(7)
(10)
(13)
(3)
(6)
(3)
0
2
6
5
6
(2)
(4)
(8)
(18)
(11)
(7)
(9)
(0)
(1)
(1)
2
(8)
(11)
(11)
(5)
0
37
39
30
28
(7)
(0)
9
17
24
24
22
22
15
9
11
11
15
Net Income (Common)
5
N/A
6
+12%
4
-21%
4
-2%
2
-44%
1
-50%
2
+91%
3
+35%
4
+24%
5
+24%
5
-5%
7
+51%
8
+22%
7
-12%
7
-1%
5
-27%
4
-25%
4
+9%
6
+30%
7
+18%
8
+21%
11
+34%
13
+17%
15
+15%
15
+2%
14
-4%
9
-40%
(18)
N/A
(17)
+6%
(18)
-2%
(14)
+20%
15
N/A
13
-10%
14
+8%
14
-1%
15
+4%
16
+6%
15
-1%
16
+2%
9
-46%
8
-2%
6
-31%
7
+15%
5
-32%
4
-14%
5
+24%
4
-23%
5
+30%
5
+7%
5
-3%
5
+10%
(6)
N/A
(7)
-21%
(10)
-42%
(13)
-21%
(3)
+75%
(6)
-92%
(3)
+57%
0
N/A
2
+2 122%
6
+218%
5
-14%
6
+13%
(38)
N/A
(40)
-5%
(43)
-8%
(54)
-24%
(11)
+79%
(7)
+35%
(9)
-28%
(0)
+99%
(1)
-1 173%
(1)
+18%
2
N/A
(8)
N/A
(11)
-45%
(11)
+0%
(5)
+55%
0
N/A
37
+18 967%
39
+6%
30
-22%
28
-8%
(7)
N/A
(0)
+93%
9
N/A
17
+85%
24
+43%
24
-1%
22
-9%
22
+0%
15
-32%
9
-41%
11
+29%
11
-3%
15
+34%
EPS (Diluted)
0.14
N/A
0.15
+7%
0.12
-20%
0.12
N/A
0.07
-42%
0.04
-43%
0.06
+50%
0.08
+33%
0.09
+12%
0.11
+22%
0.11
N/A
0.17
+55%
0.21
+24%
0.19
-10%
0.18
-5%
0.13
-28%
0.09
-31%
0.1
+11%
0.14
+40%
0.16
+14%
0.21
+31%
0.27
+29%
0.31
+15%
0.35
+13%
0.35
N/A
0.34
-3%
0.2
-41%
-0.41
N/A
-0.38
+7%
-0.36
+5%
-0.28
+22%
0.31
N/A
0.27
-13%
0.29
+7%
0.29
N/A
0.3
+3%
0.32
+7%
0.32
N/A
0.32
N/A
0.17
-47%
0.17
N/A
0.12
-29%
0.14
+17%
0.09
-36%
0.08
-11%
0.1
+25%
0.08
-20%
0.1
+25%
0.11
+10%
0.1
-9%
0.11
+10%
-0.12
N/A
-0.14
-17%
-0.2
-43%
-0.25
-25%
-0.06
+76%
-0.13
-117%
-0.06
+54%
0
N/A
0.04
N/A
0.13
+225%
0.11
-15%
0.12
+9%
-0.76
N/A
-0.8
-5%
-0.86
-7%
-1.07
-24%
-0.22
+79%
-0.14
+36%
-0.18
-29%
0
N/A
-0.03
N/A
-0.02
+33%
0.05
N/A
-0.15
N/A
-0.22
-47%
-0.22
N/A
-0.1
+55%
0
N/A
0.73
N/A
0.77
+5%
0.6
-22%
0.56
-7%
-0.13
N/A
-0.01
+92%
0.18
N/A
0.34
+89%
0.48
+41%
0.48
N/A
0.43
-10%
0.44
+2%
0.29
-34%
0.18
-38%
0.22
+22%
0.21
-5%
0.28
+33%

See Also

Summary
CIA intrinsic value, competitors valuation, and company profile.
DCF Valuation
CIA stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CIA stock valuation using valuation multiples.
Wall Street Estimates
CIA price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CIA stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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