Citizens, Inc. Class A (CIA)

Over the past six months, Citizens, Inc.'s share price increased by 19.03% between October 7, 2024, and October 6, 2025. In June 2025, the company rejoined the Russell 3000® and Russell 2000® indexes. The company has reported consistent growth in first-year premiums, with Q2 2025 direct first-year life and A&H premiums increasing by 20% and Q1 2025 seeing a 49% increase. As of June 30, 2025, total direct insurance in force reached a record $5.35 billion, a 4.4% year-over-year increase, and the global network of producing agents expanded significantly. Q4 2024 financial results highlighted total revenues of $245.0 million for the full year, up from $240.7 million in 2023, with insurance issued increasing by 10% and direct first-year life and A&H premiums increasing by 84%.

While "CIA Seasonality" data is tracked to identify seasonal patterns, specific details regarding the demand seasonality for Citizens, Inc.'s products and services are not publicly available in the provided search results without requiring a login.

Citizens, Inc., established in 1969 and headquartered in Austin, Texas, is a diversified financial services company operating in the life insurance industry. It offers life, living benefits, final expense insurance, and other financial products to individuals and small businesses. The company operates through two segments: Life Insurance, focusing on U.S. dollar-denominated policies for non-U.S. residents, and Home Service Insurance, offering final expense and critical illness products to middle- and lower-income households, primarily in Louisiana, Mississippi, and Arkansas.

Citizens, Inc. serves clients in the U.S., Latin America, and Asia, with international business extending to over 70 countries, including a notable presence in South America and Taiwan. Domestically, the Home Service Insurance segment is concentrated in the U.S. Gulf Coast region, specifically Louisiana, Mississippi, and Arkansas. As of March 2025, the company was licensed in 43 U.S. states and Washington, D.C., an increase from 39 states in 2023.

Citizens, Inc. has demonstrated a positive operational trajectory, maintaining positive net cash from operations since 2004. The company's global network of producing agents has expanded significantly, with a 53% increase since June 2024. The company also received its first analyst research reports from Sidoti & Company and Singular Research in Q1 2024. There were no recent events in the past year that negatively impacted the brand reputation of Citizens, Inc.

Citizens, Inc. has a diverse ownership structure, including major institutional owners such as BlackRock, Inc., Riposte Capital Llc, Vanguard Group Inc, UBS Group AG, Geode Capital Management, Llc, iShares Russell 2000 ETF, Susquehanna International Group, Llp, and First Eagle Investment Management, LLC. Institutions hold a total of 15,918,722 shares. Individual insiders hold 2.09% of shares, private companies hold 8.2%, institutions hold 24.4%, and the general public holds 65.4%.