CIA
Citizens Inc
NYSE: CIA · FINANCIAL SERVICES · INSURANCE - LIFE
$5.40
-2.35% today
Updated 2026-04-30
Market cap
$287.21M
P/E ratio
20.39
P/S ratio
1.12x
EPS (TTM)
$0.28
Dividend yield
—
52W range
$3 – $6
Volume
0.1M
Citizens Inc (CIA) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $158.06M | $169.64M | $146.67M | $188.98M | $190.32M | $194.16M | $202.76M | $213.64M | $230.22M | $236.27M | $245.41M | $252.63M | $244.01M | $250.59M | $238.85M | $250.53M | $232.52M | $240.68M | $245.00M | $255.62M |
| Revenue growth (YoY) | — | +7.3% | -13.5% | +28.8% | +0.7% | +2.0% | +4.4% | +5.4% | +7.8% | +2.6% | +3.9% | +2.9% | -3.4% | +2.7% | -4.7% | +4.9% | -7.2% | +3.5% | +1.8% | +4.3% |
| Cost of revenue | $138.68M | $73.31M | $84.91M | $94.32M | $135.16M | $145.72M | $159.50M | $168.24M | $183.30M | $191.86M | $197.67M | $202.96M | $188.01M | $190.32M | $191.92M | $122.40M | $117.73M | — | $123.28M | $165.03M |
| Gross profit | $19.38M | $96.33M | $61.76M | $94.66M | $55.16M | $48.44M | $43.26M | $45.40M | $46.92M | $44.41M | $47.73M | $49.67M | $56.00M | $60.27M | $46.93M | $128.13M | $114.79M | $240.68M | $121.72M | $90.59M |
| Gross margin | 12.3% | 56.8% | 42.1% | 50.1% | 29.0% | 24.9% | 21.3% | 21.3% | 20.4% | 18.8% | 19.5% | 19.7% | 22.9% | 24.1% | 19.6% | 51.1% | 49.4% | 100.0% | 49.7% | 35.4% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | — | — | $35.98M | $35.54M | $26.23M | $26.04M | $25.66M | $26.59M | $36.59M | $33.29M | $33.36M | $46.39M | $47.63M | $48.44M | $53.67M | $43.37M | $45.18M | $47.13M | $52.27M | $53.04M |
| Operating income | $13.34M | $23.50M | $-12.60M | $20.61M | $18.39M | $11.33M | $6.04M | $6.93M | $-1.95M | $-1.94M | $5.48M | $-2.99M | $2.00M | $5.75M | $-12.32M | $30.50M | $27.38M | $193.55M | $14.98M | $17.47M |
| Operating margin | 8.4% | 13.9% | -8.6% | 10.9% | 9.7% | 5.8% | 3.0% | 3.2% | -0.8% | -0.8% | 2.2% | -1.2% | 0.8% | 2.3% | -5.2% | 12.2% | 11.8% | 80.4% | 6.1% | 6.8% |
| EBITDA | $19.29M | $27.78M | $-8.58M | $25.21M | $22.50M | $15.38M | $9.74M | $10.60M | $518000.00 | $1.15M | $8.35M | $-1.92M | $3.45M | $7.42M | $-10.89M | $31.64M | $27.91M | $27.29M | $15.60M | $18.21M |
| EBITDA margin | 12.2% | 16.4% | -5.9% | 13.3% | 11.8% | 7.9% | 4.8% | 5.0% | 0.2% | 0.5% | 3.4% | -0.8% | 1.4% | 3.0% | -4.6% | 12.6% | 12.0% | 11.3% | 6.4% | 7.1% |
| EBIT | $13.34M | $23.50M | $-12.60M | $20.61M | $18.39M | $11.33M | $6.04M | $6.93M | $-2.78M | $-1.94M | $5.48M | $-2.99M | $2.00M | $5.75M | $-12.32M | $30.50M | $27.38M | $26.17M | $14.98M | $17.47M |
| Interest expense | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $858000.00 | — | — | — |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 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% |
| Net income | $8.68M | $16.56M | $-15.71M | $17.34M | $14.70M | $8.48M | $4.53M | $4.79M | $-5.97M | $-3.14M | $1.97M | $-38.13M | $-11.06M | $-1.37M | $-10.99M | $72.71M | $26.01M | $24.44M | $14.91M | $14.59M |
| Net income growth (YoY) | — | +90.8% | -194.9% | +210.4% | -15.2% | -42.3% | -46.6% | +5.8% | -224.6% | +47.4% | +162.6% | -2036.4% | +71.0% | +87.6% | -702.0% | +761.7% | -64.2% | -6.0% | -39.0% | -2.2% |
| Profit margin | 5.5% | 9.8% | -10.7% | 9.2% | 7.7% | 4.4% | 2.2% | 2.2% | -2.6% | -1.3% | 0.8% | -15.1% | -4.5% | -0.5% | -4.6% | 29.0% | 11.2% | 10.2% | 6.1% | 5.7% |