Citizens (CIA)
Sells U.S. dollar life policies abroad and final-expense coverage in the United States.
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Issues U.S. dollar-denominated life and endowment products for non-U.S. residents, while its domestic subsidiaries sell final-expense, living-benefit, critical-illness, and burial policies. The business is split between International Insurance and Domestic Insurance and relies on independent agencies, brokers, and local insurance regulation.
Sells life insurance and related products through International Insurance and Domestic Insurance. International Insurance issues U.S. dollar-denominated whole life, endowment, and living-benefit policies to non-U.S. residents through CICA Life, A.I., with distribution centered in Latin America and the Pacific Rim.
Domestic Insurance operates through CICA Life Insurance Company of America, Security Plan Life, and Magnolia Guaranty Life. Its mix centers on final-expense whole life, simplified-issue coverage, critical illness policies, and burial policies serviced through funeral-home channels.
Operating model combines specialized insurance subsidiaries, independent distributors, and a single proprietary policy administration system that has absorbed acquired blocks. The business depends on independent agents and insurance regulation across Colorado, Louisiana, Mississippi, and Puerto Rico-domiciled subsidiaries.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $31.9M · Total debt $0 · Total assets $1.75B · Shareholders' equity $235.2M
- Revenue
- $60.4M
- Operating income
- −$529.0K
- Net income
- −$425.0K
No dividends on record.
| Institutions | 30.57% | 15.48M shares | |
|---|---|---|---|
| 81 holders · as of Jun 30, 2026 | |||
| Insiders | 3.35% | 1.69M shares | |
| 16 holders · as of Sep 1, 2026 | |||
| Other | 66.08% | 33.47M shares | |
| remainder | |||
50.64M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Galindo, Arias & LopezInstitution | 8.14% | 4.12M | filed Feb 4, 2019 |
BlackRock, Inc.Institution | 7.07% | 3.58M | as of Jun 30, 2026 |
Continental General Insurance CoInstitution | 5.23% | 2.65M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.92% | 1.99M | as of Jun 30, 2026 |
UBS Group AGInstitution | 2.35% | 1.19M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 31, 2026 | Michael Philip Harwood | director | +10,000 | $3.80 |
| Aug 11, 2026 | Seth Alan Hoxworth | officer: Chief Actuary | +5,376 | $3.83 |
| Aug 11, 2026 | Jon Stenberg | director, officer: President & CEO | +12,000 | $3.65 |
| Aug 10, 2026 | Jon Stenberg | director, officer: President & CEO | +50,000 | $3.99 |
| May 21, 2026 | Jon Stenberg | director, officer: President & CEO | +10,000 | $4.82 |
- Manulife Financial
Cross-border HNW life and savings rival in offshore channels
- Globe Life
U.S. final-expense and basic-protection life rival
- Sun Life Financial
Offshore HNW life rival with Bermuda and Asia reach
- CNO Financial Group
Senior-market life rival via Colonial Penn and Bankers Life
- Corebridge Financial
Simplified-issue final-expense rival through AGL
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens | $3.71 | −0.54% | $182.5M | 15.5 | 17.3 | 0.7 | −1.2% |
| Manulife Financial | $44.17 | −0.01% | $74.40B | 17.0 | 13.8 | 1.8 | +22.6% |
| Globe Life | $169.43 | −0.03% | $13.37B | 11.4 | 10.2 | 2.2 | +8.0% |
| Sun Life Financial | $80.71 | −0.02% | $45.12B | 19.4 | 19.2 | 1.4 | −84.6% |
| CNO Financial Group | $53.96 | +0.02% | $5.08B | 18.6 | 11.4 | 1.1 | +11.6% |
| Corebridge Financial | $33.84 | 0.00% | $15.51B | 20.4 | 6.6 | 1.7 | +482.9% |
| Median | 18.6 | 11.4 | 1.7 | +11.6% |