Citizens, Inc. Class A (CIA)

Citizens (CIA) reported earnings per share (EPS) of $0.04, missing analysts' expectations of $0.06 by 33.33% in Q3 2025. The company's share price passed above its two hundred day moving average. Citizens, Inc. was scheduled to present and hold investor meetings at the Noble Capital Markets Emerging Growth Virtual Conference, including a live fireside chat on February 4, 2026. The company provided a positive business update, highlighting significant growth achievements, including record-setting total direct insurance in force, a 20% increase in direct first-year life and accident & health premiums in Q2 2025, and a 53% increase in its global network of producing agents since June 2024. The company also rejoined the Russell 3000® and Russell 2000® indexes in June 2025. Citizens, Inc. filed a shelf registration statement with the SEC to replace an expiring one and updated its Stock Investment Plan (SIP), reducing the number of shares it can issue through the SIP from 15 million to 5 million. The company reported growth in total annual premium revenue for the first time since 2017 and the highest amount of insurance ever issued in a year, exceeding $1.1 billion, a 54% increase from 2023. Between February 3, 2025, and January 30, 2026, the share price increased by 14.91%.

Demand for life insurance products, which constitute a significant portion of Citizens, Inc.'s business, typically exhibits seasonality. The fourth quarter of the year is often considered a peak season for life insurance, as individuals tend to review their finances and insurance protections. Additionally, in some markets, the "big start" in January and the first quarter is a period of significantly higher life insurance premium income due to intensive marketing efforts by insurers.

Citizens, Inc. operates in the financial services sector, specifically the insurance industry. The company offers U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents. Domestically, it provides final expense life insurance and critical illness products to middle- and lower-income households, as well as accident and health insurance policies. The company's business is structured into two segments: Life Insurance and Home Service Insurance.

Citizens, Inc. has a global presence, serving customers in the U.S., Latin America, and Asia. Within the United States, its Home Service Insurance segment primarily operates in Louisiana, Mississippi, and Arkansas. Internationally, the company's Life Insurance segment serves residents primarily in Latin America and the Pacific Rim, with specific mentions of Colombia and Taiwan. The company is licensed in 43 U.S. states and Washington, D.C.

In 2023, Citizens, Inc. received its first AM Best rating of B++ (Good) with a "very strong" balance sheet, an accomplishment that was commemorated by an invitation to ring the Opening Bell at the New York Stock Exchange. The company emphasizes its commitment to policyholders, having paid over $30 million in claims to more than 10,000 beneficiaries in 2023.

Citizens, Inc.'s ownership structure comprises a blend of institutional and retail investors. Major institutional owners include BlackRock, Inc., Riposte Capital Llc, Vanguard Group Inc, Continental General Insurance Co, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, Geode Capital Management, Llc, IWM - iShares Russell 2000 ETF, UBS Group AG, VEXMX - Vanguard Extended Market Index Fund Investor Shares, and First Eagle Investment Management, LLC. Institutional investors and hedge funds collectively own 13.73% of the company's stock.