Citizens, Inc. Class A (CIA)

In May 2025, Citizens, Inc.'s Q1 earnings missed estimates. In June 2025, the company rejoined the Russell 3000 and 2000 indexes. August 2025 saw Q2 earnings beat estimates with a 63% net income increase, record insurance in force, and agent growth. November 2025 Q3 earnings reports were mixed, with one source indicating a miss and another reporting a beat. As of September 2025, the stock had surged 67% over the past year and was trading near its 52-week high; on November 26, 2025, the stock price gained 2.40% and was up 4.92% over the preceding two weeks.

Demand for Citizens, Inc.'s insurance products exhibits seasonality. Life insurance purchases often spike in January, while general insurance sales tend to be higher in the first and fourth quarters. Home service insurance demand can surge during the spring and summer home-buying season, and natural disasters can increase demand for property and casualty insurance. Insurance companies often align marketing with seasonal spending patterns and life events, and demographic factors also influence demand.

Citizens, Inc. is a diversified financial services company based in Austin, Texas, offering insurance and financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates through two segments: Life Insurance, focusing on policies for non-U.S. residents and domestic products, and Home Service Insurance, providing final expense and critical illness products to middle- and lower-income households.

Citizens, Inc. serves clients in over 70 countries and is licensed in 43 U.S. states and Washington, D.C. Its domestic home service insurance business is concentrated in Louisiana, Mississippi, and Arkansas, while its domestic final expense market has expanded across the U.S. The company has a significant international presence in Latin America and Asia, including countries like Taiwan, Ecuador, Venezuela, and Colombia.

In the past year, specific events impacting Citizens, Inc.'s brand reputation beyond general business performance were not readily available. However, in 2023, the company received its first AM Best B++ rating, signifying a "very strong" balance sheet, and commemorated this achievement by ringing the Opening Bell at the New York Stock Exchange.

Citizens, Inc. has a diverse ownership structure including major institutional shareholders such as BlackRock, Inc., Riposte Capital Llc, and Vanguard Group Inc. Ownership breakdown varies, with one source indicating approximately 1.26% held by institutional investors, 2.99% by insiders, and 78.59% by retail investors, while another suggests 26.2% by institutions, 2.1% by individual insiders, 8.19% by private companies, and 63.5% by the general public.