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Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
Previous close
$3.95
−$0.02 · -0.50%
Regular session · ET · Market data may be delayed.
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
Day range
Current $3.95
52-week range
Current $3.95
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
82
Deep Value
Sentiment
61
Bullish
Risk
45
Elevated Risk
Momentum
44
Neutral
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Thesis, catalysts, evidence, and risk analysis.
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
Day range
Current $3.95
52-week range
Current $3.95
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 255.62M USD | 245M USD | 240.68M USD | 232.52M USD | 250.53M USD |
| Cost of goods sold | 165.03M USD | 123.28M USD | — | 117.74M USD | 122.4M USD |
| Gross profit | 90.59M USD | 121.72M USD | 240.68M USD | 114.79M USD | 128.13M USD |
| Selling, general, and administrative | — | 52.27M USD | 47.13M USD | 45.18M USD | 43.37M USD |
| Operating expenses | 73.12M USD | 106.74M USD | 47.13M USD | 87.41M USD | 97.62M USD |
| Depreciation and amortization | 741K USD | 619K USD | 1.12M USD | 536K USD | 1.14M USD |
| Operating income | 17.47M USD | 14.98M USD | 193.55M USD | 27.38M USD | 30.51M USD |
| Net income | 14.59M USD | 14.91M USD | 24.44M USD | 26.01M USD | 72.71M USD |
Company facts updated Sep 7, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$3.70
6.33% downside| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Dec 13, 2005 | 107:100 | — | — |
Stock split | Nov 29, 2004 | 107:100 | — | — |
Stock split | Nov 26, 2003 | 107:100 | — | — |
Stock split | Apr 29, 2002 | 23:20 | — | — |
Stock split | Nov 29, 2000 | 107:100 | — | — |
Stock split | Nov 29, 1999 | 107:100 | — | — |
Effective Dec 13, 2005
107:100
Effective Nov 29, 2004
107:100
Effective Nov 26, 2003
107:100
Effective Apr 29, 2002
23:20
Effective Nov 29, 2000
107:100
Effective Nov 29, 1999
107:100
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI6.71M0.00%2.3T USD0.03%$379.73-0.32%
iShares Russell 2000 ETFIWM4.92M0.01%80.51B USD0.19%$296.01+0.28%
Vanguard Extended Market ETFVXF2.46M0.00%93.7B USD0.05%$242.66+0.14%
iShares Russell 2000 Value ETFIWN1.84M0.01%14.61B USD0.24%$224.62+0.40%
Vanguard Russell 2000 ETFVTWO1.22M0.01%17.4B USD0.06%$119.62+0.25%
EA Bridgeway Omni Small-Cap Value ETFBSVO1.08M0.04%1.71B USD0.47%$29.88+0.95%
iShares Micro-Cap ETFIWC622.88K0.04%1.49B USD0.60%$196.25+0.69%
U.S. Micro Cap Portfolio ETFDFMC335.48K0.00%7.81B USD0.43%$60.36+0.60%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMVanguard Extended Market ETFVXFiShares Russell 2000 Value ETFIWNVanguard Russell 2000 ETFVTWOEA Bridgeway Omni Small-Cap Value ETFBSVOiShares Micro-Cap ETFIWCU.S. Micro Cap Portfolio ETFDFMCAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
