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CIA CITIZENS, INC.

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$199m
Revenue TTM
$255m
Net income TTM
$12m
Free cash flow
$15m
Composite score
21.1
Sector rank
#2873

Valuation

P / E
17.2
EV / EBITDA
EV / sales
0.7
FCF yield
7.52%
Earnings yield vs 10-yr
1.10pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
4.5%
EBITDA margin
ROE
4.9%
ROIC
Revenue growth
3.7%

Insider activity, last 90 days

Net open-market
$0.26m
Buyers
2
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

YTD: Net income before federal income tax in the six months ended June 30, 2026 decreased to $1.8 million from $5.1 million in the same year period. The factors that drove this decrease were: • $1.1 million increase in insurance benefits paid or provided due to: ◦ $6.9 million decrease in claims and surrenders as described above; more than offset by ◦ $6.7 million increase in future policy benefit reserves as described above; and • $1.3 million increase in general operating expenses to support our growth initiatives. …CITIZENS, INC., 10-Q, period ended 2026-06-30, filed 2026-08-06

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