4.35
+5.33%
Close of 9 Nov 2026, in USD
Search any instrument
Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.
About Citizens
From its filings with the US Securities and Exchange Commission
Citizens is based in Austin, Texas and is incorporated in Colorado. Its shares trade on NYSE under the ticker CIA. The SEC classifies its business as life insurance. In the fiscal year to 31 December 2025, it reported revenue of $255.6m and net income of $14.6m. At that date it held total assets of $1.75bn and shareholders' equity of $235.0m.
Incorporated in Colorado and based in Austin, Texas, Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company. Since 1969 it has addressed the life insurance needs of people in the United States, and since 1975, it has extended life insurance offerings to clients worldwide. Through our international insurance subsidiary, we provide insurance benefits to residents in over 80 different countries, and through our domestic insurance subsidiaries, we are licensed to issue insurance products in 43 U.S. states. We pursue a strategy of offering insurance products in niche markets where we believe we are able to achieve competitive advantages. We had approximately $1.8 billion of assets and over $5.4 billion of direct insurance in force at December 31, 2025.
We sell U.S. dollar-denominated life insurance, endowment and other financial products to non-U.S. residents, located principally in Latin America and the Pacific Rim.
The majority of first year premiums in our Domestic Insurance segment are generated from final expense whole life products sold through CICA Life Insurance Company of America ("CLOA").
Quoted from its 10-K, filed 12 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Insurance
- Listed since
- 4 Dec 1980
- Employees
- 243
- Website
- citizensinc.com ↗
- Head office
- 11815 ALTERRA PKWY, AUSTIN, TX, 78758
- Incorporated in
- CO
- Classification
- Life Insurance
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Jerry DavisIndependent Chairman of the Board$155,000
- Mr. Jon StenbergPresident, Chief Executive Officer$1.4m
- Mr. Jeffrey ConklinChief Financial Officer, Chief Investment Officer, Treasurer$896,281
- Mr. Bryon LewisChief Operating Officer
- Ms. Paula GuerreroChief Information Officer
- Mr. Harvey WaiteChief Actuary$557,178
- Ms. Sheryl KinlawChief Legal Officer and Secretary$788,108
- Mr. Christopher ClausIndependent Director$155,000
- Ms. Cynthia DavisIndependent Director$155,000
- Mr. Michael HarwoodIndependent Director
- Dr. Terry ManessIndependent Director$155,000
- Mr. J. Keith MorganIndependent Director$145,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 40
- Environment
- 9
- Social
- 46
- Governance
- 66
- Women in the workforce
- 68%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens Inc possesses several strengths that contribute to its position in the market. Firstly, the company has a strong financial position, allowing it to invest in various growth opportunities and withstand economic downturns. Additionally, Citizens Inc has a diverse product portfolio, offering life insurance, annuities, and other financial products, which enables it to cater to a wide range of customer needs. Moreover, the company has an extensive distribution network and established partnerships, strengthening its market presence and allowing it to reach a large customer base.
Weaknesses
- Despite its strengths, Citizens Inc also faces certain weaknesses that need to be addressed. One weakness is the company's limited geographic presence, primarily focused on the United States and certain international markets. Expanding into untapped regions could provide new growth opportunities. Additionally, Citizens Inc's heavy reliance on traditional distribution channels, such as agents and brokers, may hinder its ability to adapt to changing customer preferences for digital channels. Emphasizing digital transformation and exploring innovative distribution methods can help overcome this weakness.
Opportunities
- Citizens Inc operates in an industry with several opportunities for growth. The increasing consumer demand for retirement solutions and long-term care coverage presents a significant opportunity for the company. Moreover, the aging population in developed countries creates a need for innovative insurance products targeting this market segment. Citizens Inc can capitalize on this trend by developing tailored products and services to cater to the changing needs of elderly customers. Additionally, expanding into emerging markets with low insurance penetration rates can provide new avenues for growth.
Threats
- Several external factors pose potential threats to Citizens Inc's business operations. One major threat is the intense competition within the insurance industry, as other companies also strive to capture market share and attract customers. This competitive landscape may result in pricing pressures and decreased profit margins. Additionally, regulatory changes and compliance requirements could pose challenges for Citizens Inc, necessitating ongoing adaptation and investment in compliance measures. Furthermore, unexpected events like natural disasters or pandemics can impact the insurance industry as a whole, potentially affecting Citizens Inc's financial stability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.