CIANYSELife InsuranceFiscal year ends December 31
CITIZENS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$3.45+0.01 (+0.29%)
Close on Oct 19, 2026
- Market cap
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- P/E (TTM)
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- Dividend yield
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Citizens statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Life Insurance companies for comparison
Valuation
| Measure | Citizens | Industry median |
|---|---|---|
| Market Cap | $174.72M | $3.25B |
| Enterprise Value | $157.76M | $2.52B |
| PS Ratio | 0.69 | 1.08 |
| PB Ratio | 0.74 | 1.48 |
| P/TBV Ratio | 0.74 | 1.56 |
| P/FCF Ratio | 11.67 | 7.95 |
| P/OCF Ratio | 11.28 | 7.31 |
Enterprise value
| Measure | Citizens | Industry median |
|---|---|---|
| EV / Sales | 0.62 | 0.93 |
| EV / FCF | 10.54 | 7.33 |
Income (trailing twelve months)
| Measure | Citizens | Industry median |
|---|---|---|
| Revenue | $255.01M | $4.57B |
| Pretax Income | $14.19M | $589.53M |
| Net Income | $11.60M | $470.80M |
Margins
| Measure | Citizens | Industry median |
|---|---|---|
| Pretax Margin | 5.56% | 13.7% |
| Profit Margin | 4.55% | 10.7% |
| FCF Margin | 5.87% | 17.5% |
Returns
| Measure | Citizens | Industry median |
|---|---|---|
| Return on Equity (ROE) | 5.00% | 13.9% |
| Return on Assets (ROA) | 0.67% | 3.31% |
Growth
| Measure | Citizens | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 3.69% | 8.06% |
| Net Income Growth (YoY) | 3.12% | 25.1% |
| FCF Growth (YoY) | -37.6% | 7.71% |
| Revenue Growth (3Y CAGR) | 3.21% | 9.53% |
| Revenue Growth (5Y CAGR) | 1.37% | 8.29% |
Balance sheet
| Measure | Citizens | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $16.96M | $482.49M |
| Net Cash (Debt) | $16.96M | $300.85M |
| Net Cash Per Share | $0.33 | $5.27 |
| Equity (Book Value) | $235.16M | $3.63B |
| Book Value Per Share | $4.64 | $41.34 |
| Tangible Book Value | $235.16M | $2.59B |
Cash flow (trailing twelve months)
| Measure | Citizens | Industry median |
|---|---|---|
| Operating Cash Flow | $15.49M | $631.50M |
| Capital Expenditures | -$525.00K | -$11.90M |
| Free Cash Flow | $14.97M | $661.55M |
| FCF Per Share | $0.30 | $8.91 |
Efficiency
| Measure | Citizens | Industry median |
|---|---|---|
| Asset Turnover | 0.15 | 0.27 |
| Revenue Per Employee | $1.04M | $1.73M |
| Profits Per Employee | $47.15K | $208.67K |
| Employee Count | 246 | 1,341 |
Dividends and yields
| Measure | Citizens | Industry median |
|---|---|---|
| Earnings Yield | 6.64% | 9.51% |
| FCF Yield | 8.57% | 12.5% |
Shares
| Measure | Citizens | Industry median |
|---|---|---|
| Shares Outstanding | 50,643,100 | 65,596,200 |
| Float | 48,951,600 | 56,719,400 |
| Shares Held by Insiders | 3.34% | 3.34% |
| Shares Held by Institutions | 31.5% | 85.3% |
Taxes
| Measure | Citizens | Industry median |
|---|---|---|
| Income Tax | $2.59M | $105.00M |
| Effective Tax Rate | 18.3% | 19.8% |
Scores
| Measure | Citizens | Industry median |
|---|---|---|
| Altman Z-Score | 0.27 | 0.87 |
Calculated by StockData from Citizens's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.