CITIZENS, INC. CIA
NYSE · XNYS · stock · Life Insurance
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $255.6M | $14.6M | — | $17.5M | $235.0M |
| 2024 | $245.0M | $14.9M | — | $31.3M | $210.4M |
| 2023 | $240.7M | $24.4M | — | $21.6M | $172.1M |
| 2022 | $232.5M | $26.0M | — | $56.8M | $127.8M |
| 2021 | $250.5M | $72.7M | — | $39.4M | $100.0M |
| 2020 | $238.9M | -$11.0M | — | $48.6M | $300.9M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| DAVIS CYNTHIA H | director | 2026-06-17 | Option exercise | 12,012 | — |
| Claus Christopher W | director | 2026-06-17 | Option exercise | 12,012 | — |
| Carlson Peter M | director | 2026-06-17 | Option exercise | 12,012 | — |
| TAYLOR MARY | director | 2026-06-17 | Option exercise | 12,012 | — |
| HARWOOD MICHAEL PHILIP | director | 2026-05-29 | L | 190 | $5.23 |
| DAVIS CYNTHIA H | director | 2026-05-29 | L | 57 | $5.23 |
| TAYLOR MARY | director | 2026-05-29 | L | 95 | $5.23 |
| Davis Jerry | director | 2026-05-29 | L | 380 | $5.23 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000024090 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.