CITIZENS, INC.
CIA · Life Insurance · 50.6M shares · +0%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: $19K (gross $919K, SBC $900K)
Reference price $4.82 · est. market cap ~$244M — last insider purchase, 2026-05-21 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C58Citizens Inc — small life insurer with volatile results off a low base.
Strengths
- Reported revenue and income jumps
- ROA in upper range (88th pct)
Risks
- Thin net margin (44th) and ROE (40th)
- Low cash position (10th pct)
- Sub-scale, volatile earnings
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
5.7%
Return on equity
6.2%
Return on assets
0.8%
Revenue growth (QoQ)
-17.1%
Net-income growth
-2.2%
Free cash flow
$18M
Tangible book value
$235M
Cash & investments
$23M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-17 | TAYLOR MARY | Option exercise | 12K | — |
| 2026-06-17 | Carlson Peter M | Option exercise | 12K | — |
| 2026-06-17 | DAVIS CYNTHIA H | Option exercise | 12K | — |
| 2026-06-17 | Claus Christopher W | Option exercise | 12K | — |
| 2026-05-29 | Davis Jerry | L | 380 | $5.23 |
| 2026-05-29 | DAVIS CYNTHIA H | L | 57 | $5.23 |
| 2026-05-29 | HARWOOD MICHAEL PHILIP | L | 190 | $5.23 |
| 2026-05-29 | TAYLOR MARY | L | 95 | $5.23 |
| 2026-05-21 | Stenberg Jon | Buy | 10K | $4.82 |
| 2026-05-05 | Davis Jerry | L | 363 | $5.48 |
| 2026-05-05 | HARWOOD MICHAEL PHILIP | L | 181 | $5.48 |
| 2026-05-05 | TAYLOR MARY | L | 91 | $5.48 |
| 2026-05-05 | DAVIS CYNTHIA H | L | 54 | $5.48 |
| 2026-04-07 | TAYLOR MARY | L | 92 | $5.42 |
| 2026-04-07 | DAVIS CYNTHIA H | L | 55 | $5.42 |
| 2026-04-07 | HARWOOD MICHAEL PHILIP | L | 92 | $5.42 |
| 2026-04-07 | Davis Jerry | L | 367 | $5.42 |
| 2026-03-31 | Stenberg Jon | Option exercise | 13K | — |
| 2026-03-31 | Guerrero Paula L | Option exercise | 2.2K | — |
| 2026-03-31 | Guerrero Paula L | Tax withheld | 767 | $5.03 |
| 2026-03-31 | Guerrero Paula L | Option exercise | 1.9K | — |
| 2026-03-31 | Guerrero Paula L | Tax withheld | 672 | $5.03 |
| 2026-03-31 | Stenberg Jon | Tax withheld | 3.2K | $5.03 |
| 2026-03-31 | Lewis Bryon Matthew | Option exercise | 2.2K | — |
| 2026-03-31 | Lewis Bryon Matthew | Tax withheld | 516 | $5.03 |
| 2026-03-31 | Kinlaw Sheryl L | Option exercise | 5.1K | — |
| 2026-03-31 | Kinlaw Sheryl L | Tax withheld | 1.2K | $5.03 |
| 2026-03-31 | Kinlaw Sheryl L | Option exercise | 8.5K | — |
| 2026-03-31 | Kinlaw Sheryl L | Tax withheld | 2.1K | $5.03 |
| 2026-03-31 | Conklin Jeffery P. | Option exercise | 5.9K | — |
| 2026-03-31 | Conklin Jeffery P. | Tax withheld | 1.4K | $5.03 |
| 2026-03-31 | Conklin Jeffery P. | Option exercise | 9.7K | — |
| 2026-03-31 | Conklin Jeffery P. | Tax withheld | 2.4K | $5.03 |
| 2026-03-30 | Stenberg Jon | Buy | 50K | $4.70 |
| 2026-03-28 | Conklin Jeffery P. | Option exercise | 12K | — |
| 2026-03-28 | Kinlaw Sheryl L | Option exercise | 11K | — |
| 2026-03-28 | Lewis Bryon Matthew | Option exercise | 4.7K | — |
| 2026-03-28 | Lewis Bryon Matthew | Tax withheld | 1.4K | $4.58 |
| 2026-03-28 | Kinlaw Sheryl L | Option exercise | 15K | — |
| 2026-03-28 | Kinlaw Sheryl L | Tax withheld | 2.7K | $4.58 |
| 2026-03-28 | Conklin Jeffery P. | Tax withheld | 3.0K | $4.58 |
| 2026-03-28 | Conklin Jeffery P. | Option exercise | 12K | — |
| 2026-03-28 | Conklin Jeffery P. | Tax withheld | 3.0K | $4.58 |
| 2026-03-28 | Kinlaw Sheryl L | Tax withheld | 3.7K | $4.58 |
| 2026-03-28 | Guerrero Paula L | Option exercise | 3.0K | — |
| 2026-03-28 | Guerrero Paula L | Tax withheld | 1.1K | $4.58 |
| 2026-03-28 | Stenberg Jon | Option exercise | 20K | — |
| 2026-03-28 | Stenberg Jon | Tax withheld | 4.9K | $4.58 |
| 2026-03-28 | Lewis Bryon Matthew | Option exercise | 2.6K | — |
| 2026-03-28 | Lewis Bryon Matthew | Tax withheld | 764 | $4.58 |
| 2026-03-25 | DAVIS CYNTHIA H | Buy | 100 | $4.53 |
| 2026-03-18 | Stenberg Jon | Tax withheld | 12K | $4.63 |
| 2026-03-18 | Stenberg Jon | Option exercise | 45K | — |
| 2026-03-17 | Stenberg Jon | Buy | 10K | $4.81 |
| 2026-02-27 | TAYLOR MARY | L | 89 | $5.60 |
| 2026-02-27 | Guerrero Paula L | L | 178 | $5.60 |
| 2026-02-27 | Davis Jerry | L | 355 | $5.60 |
| 2026-02-27 | DAVIS CYNTHIA H | L | 53 | $5.60 |
| 2026-01-30 | Davis Jerry | L | 355 | $5.61 |
| 2026-01-30 | TAYLOR MARY | L | 89 | $5.61 |
| 2026-01-30 | Guerrero Paula L | L | 177 | $5.61 |
| 2026-01-30 | DAVIS CYNTHIA H | L | 53 | $5.61 |
| 2025-12-26 | Waite Harvey J. | L | 479 | $5.19 |
| 2025-11-28 | Waite Harvey J. | L | 419 | $5.94 |
| 2025-10-31 | Davis Jerry | L | 355 | $5.60 |
| 2025-10-30 | Waite Harvey J. | L | 444 | $5.60 |
| 2025-09-26 | Waite Harvey J. | L | 436 | $5.71 |
| 2025-09-26 | Davis Jerry | L | 348 | $5.71 |
| 2025-09-02 | Davis Jerry | L | 383 | $5.20 |
| 2025-09-02 | Waite Harvey J. | L | 478 | $5.20 |
| 2025-08-15 | Lewis Bryon Matthew | Option exercise | 2.6K | — |
| 2025-08-15 | Guerrero Paula L | Option exercise | 2.7K | — |
| 2025-08-15 | Lewis Bryon Matthew | Tax withheld | 640 | $5.10 |
| 2025-08-15 | Guerrero Paula L | Tax withheld | 660 | $5.10 |
| 2025-08-01 | Davis Jerry | L | 492 | $4.04 |
| 2025-08-01 | Waite Harvey J. | L | 615 | $4.04 |
| 2025-08-01 | Guerrero Paula L | L | 246 | $4.04 |
| 2025-07-15 | Lewis Bryon Matthew | Option exercise | 1.3K | — |
| 2025-07-15 | Guerrero Paula L | Option exercise | 1.3K | — |
| 2025-07-15 | Guerrero Paula L | Tax withheld | 312 | $3.30 |
| 2025-07-15 | Lewis Bryon Matthew | Tax withheld | 312 | $3.30 |
| 2025-06-30 | TAYLOR MARY | Other | 1 | $3.60 |
| 2025-06-27 | TAYLOR MARY | L | 135 | $3.67 |
| 2025-06-27 | Davis Jerry | L | 541 | $3.67 |
| 2025-06-27 | Guerrero Paula L | L | 270 | $3.67 |
| 2025-06-27 | Waite Harvey J. | L | 676 | $3.67 |
| 2025-06-18 | DAVIS CYNTHIA H | Other | 0 | $3.40 |
| 2025-06-18 | TAYLOR MARY | Option exercise | 14K | — |
| 2025-06-18 | MANESS TERRY SAM | Option exercise | 14K | — |
| 2025-06-18 | Davis Jerry | Option exercise | 14K | — |
| 2025-06-18 | MORGAN JAMES KEITH | Option exercise | 14K | — |
| 2025-06-18 | DAVIS CYNTHIA H | Option exercise | 14K | — |
| 2025-06-18 | Claus Christopher W | Option exercise | 14K | — |
| 2025-06-17 | Stenberg Jon | Buy | 20K | $3.33 |
| 2025-05-30 | Davis Jerry | L | 527 | $3.77 |
| 2025-05-30 | TAYLOR MARY | L | 132 | $3.77 |
| 2025-05-30 | Waite Harvey J. | L | 659 | $3.77 |
| 2025-05-30 | Guerrero Paula L | L | 263 | $3.77 |
| 2025-05-30 | DAVIS CYNTHIA H | L | 79 | $3.77 |
| 2025-05-29 | Stenberg Jon | Buy | 4.8K | $3.80 |
| 2025-05-29 | Stenberg Jon | Buy | 30K | $3.69 |
| 2025-05-28 | Kinlaw Sheryl L | Buy | 2.5K | $3.59 |
| 2025-05-05 | Davis Jerry | L | 476 | $4.17 |
| 2025-05-02 | Waite Harvey J. | L | 595 | $4.17 |
| 2025-05-02 | Guerrero Paula L | L | 238 | $4.17 |
| 2025-05-02 | TAYLOR MARY | L | 119 | $4.17 |
| 2025-05-02 | DAVIS CYNTHIA H | L | 71 | $4.17 |
| 2025-04-08 | Stenberg Jon | Buy | 10K | $4.20 |
| 2025-04-07 | Stenberg Jon | Buy | 46K | $4.03 |
| 2025-04-07 | Stenberg Jon | Buy | 35K | $3.65 |
| 2025-04-07 | Stenberg Jon | Buy | 25K | $3.95 |
| 2025-03-31 | Kinlaw Sheryl L | Option exercise | 3.2K | — |
| 2025-03-31 | Kinlaw Sheryl L | Tax withheld | 773 | $4.55 |
| 2025-03-31 | DAVIS CYNTHIA H | L | 65 | $4.56 |
| 2025-03-31 | Kinlaw Sheryl L | Option exercise | 8.5K | — |
| 2025-03-31 | Mauldin Robert M III | Option exercise | 6.2K | — |
| 2025-03-31 | Conklin Jeffery P. | Tax withheld | 2.4K | $4.55 |
| 2025-03-31 | Conklin Jeffery P. | Option exercise | 9.7K | — |
| 2025-03-31 | Davis Jerry | L | 436 | $4.56 |
| 2025-03-31 | Kinlaw Sheryl L | Tax withheld | 2.1K | $4.55 |
| 2025-03-31 | Waite Harvey J. | L | 545 | $4.56 |
| 2025-03-31 | Waite Harvey J. | Tax withheld | 1.6K | $4.55 |
| 2025-03-31 | Waite Harvey J. | Option exercise | 5.7K | — |
| 2025-03-31 | Waite Harvey J. | Option exercise | 7.8K | — |
| 2025-03-31 | Shields Gerald | Option exercise | 27K | — |
| 2025-03-31 | Conklin Jeffery P. | Tax withheld | 1.9K | $4.55 |
| 2025-03-31 | Conklin Jeffery P. | Option exercise | 7.8K | — |
| 2025-03-31 | Waite Harvey J. | Tax withheld | 2.2K | $4.55 |
| 2025-03-31 | TAYLOR MARY | L | 109 | $4.56 |
| 2025-03-31 | Mauldin Robert M III | Option exercise | 13K | — |
| 2025-03-28 | Kinlaw Sheryl L | Tax withheld | 3.7K | $4.66 |
| 2025-03-28 | Waite Harvey J. | Option exercise | 15K | — |
| 2025-03-28 | Waite Harvey J. | Tax withheld | 4.3K | $4.66 |
| 2025-03-28 | Waite Harvey J. | Option exercise | 6.9K | — |
| 2025-03-28 | Waite Harvey J. | Tax withheld | 2.0K | $4.66 |
| 2025-03-28 | Conklin Jeffery P. | Tax withheld | 3.0K | $4.66 |
| 2025-03-28 | Lewis Bryon Matthew | Option exercise | 2.6K | — |
| 2025-03-28 | Lewis Bryon Matthew | Tax withheld | 767 | $4.66 |
| 2025-03-28 | Lewis Bryon Matthew | Option exercise | 4.7K | — |
| 2025-03-28 | Lewis Bryon Matthew | Tax withheld | 1.4K | $4.66 |
| 2025-03-28 | Mauldin Robert M III | Option exercise | 19K | — |
| 2025-03-28 | Mauldin Robert M III | Option exercise | 11K | — |
| 2025-03-28 | Guerrero Paula L | Option exercise | 3.0K | — |
| 2025-03-28 | Guerrero Paula L | Tax withheld | 900 | $4.66 |
| 2025-03-28 | Kinlaw Sheryl L | Option exercise | 15K | — |
| 2025-03-28 | Stenberg Jon | Tax withheld | 4.9K | $4.66 |
| 2025-03-28 | Kinlaw Sheryl L | Option exercise | 11K | — |
| 2025-03-28 | Kinlaw Sheryl L | Tax withheld | 2.7K | $4.66 |
| 2025-03-28 | Stenberg Jon | Option exercise | 20K | — |
| 2025-03-28 | Conklin Jeffery P. | Option exercise | 12K | — |
| 2025-03-28 | Conklin Jeffery P. | Tax withheld | 3.0K | $4.66 |
| 2025-03-28 | Conklin Jeffery P. | Option exercise | 12K | — |
| 2025-03-18 | Stenberg Jon | Option exercise | 45K | — |
| 2025-03-18 | Stenberg Jon | Tax withheld | 11K | $4.88 |
| 2025-02-28 | Davis Jerry | L | 398 | $5.00 |
| 2025-02-28 | TAYLOR MARY | L | 99 | $5.00 |
| 2025-02-28 | Waite Harvey J. | L | 497 | $5.00 |
| 2025-02-28 | DAVIS CYNTHIA H | L | 60 | $5.00 |
| 2025-01-31 | Waite Harvey J. | L | 497 | $5.00 |
| 2025-01-31 | Davis Jerry | L | 398 | $5.00 |
| 2025-01-31 | TAYLOR MARY | L | 99 | $5.00 |
| 2025-01-31 | DAVIS CYNTHIA H | L | 60 | $5.00 |
| 2025-01-03 | Waite Harvey J. | L | 531 | $4.68 |
| 2025-01-03 | DAVIS CYNTHIA H | L | 64 | $4.68 |
| 2025-01-03 | Davis Jerry | L | 425 | $4.68 |
| 2025-01-03 | TAYLOR MARY | L | 106 | $4.68 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-18 | 2026-06-16 | 0000024090-26-000036 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0000024090-26-000027 ↗ |
| 8-K | 2026-05-07 | 2026-05-07 | 0000024090-26-000026 ↗ |
| 10-K | 2026-03-12 | 2025-12-31 | 0000024090-26-000011 ↗ |
| 8-K | 2026-03-12 | 2026-03-12 | 0000024090-26-000010 ↗ |
| 8-K | 2026-03-10 | 2026-03-05 | 0000024090-26-000005 ↗ |
| 8-K | 2025-11-07 | 2025-11-06 | 0000024090-25-000126 ↗ |
| 10-Q | 2025-11-06 | 2025-09-30 | 0000024090-25-000124 ↗ |
| 8-K | 2025-08-07 | 2025-08-07 | 0000024090-25-000116 ↗ |
| 10-Q | 2025-08-07 | 2025-06-30 | 0000024090-25-000117 ↗ |
| 8-K | 2025-06-20 | 2025-06-17 | 0000024090-25-000096 ↗ |
| 10-Q | 2025-05-08 | 2025-03-31 | 0000024090-25-000063 ↗ |