Citizens, Inc. (CIA) Income Statement
CIA 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCIA revenue and net income
Where CIA's revenue goes
2025Each bar shows an amount and its share of revenue. CIA kept 5.7% of revenue as net income.
CIA profit margins
CIA growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.3% | +3.2% | +1.4% | +0.8% |
| Gross profit | −25.6% | −7.6% | +14.1% | +7.4% |
| Operating income | +16.6% | −13.9% | — | — |
| Net income | −2.2% | −17.5% | — | — |
| EPS (diluted) | −10.8% | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CIA quarterly EPS vs estimates
Citizens beat the analyst EPS estimate in 4 of the last 8 quarters. Next report: November 5, 2026 (estimate $0.03).
CIA income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $255.6M | $245.0M | $240.7M | $232.5M | $250.5M | $238.8M | $250.6M | $244.0M | $252.6M | $245.4M |
| Cost of revenue | $165.0M | $123.3M | $0 | $117.7M | $122.4M | $191.9M | $190.3M | $188.0M | $203.0M | $197.7M |
| Gross profit | $90.6M | $121.7M | $240.7M | $114.8M | $128.1M | $46.9M | $60.3M | $56.0M | $49.7M | $47.7M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $53.0M | $52.3M | $47.1M | $45.2M | $43.4M | $53.7M | $48.4M | $47.6M | $46.4M | $33.4M |
| Total operating expenses | $73.1M | $106.7M | $47.1M | $87.4M | $97.6M | $59.2M | $54.5M | $54.0M | $52.7M | $42.3M |
| Operating income | $17.5M | $15.0M | $193.5M | $27.4M | $30.5M | −$12.3M | $5.7M | $2.0M | −$3.0M | $5.5M |
| Interest expense | — | — | — | $858,000 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income before taxes | $17.5M | $15.0M | $26.2M | $27.4M | $30.5M | −$12.3M | $5.7M | $2.0M | −$3.0M | $5.5M |
| Income taxes | $2.9M | $68,000 | $1.7M | $1.4M | −$42.2M | −$1.3M | $7.1M | $13.1M | $35.1M | $3.5M |
| Net income | $14.6M | $14.9M | $24.4M | $26.0M | $72.7M | −$11.0M | −$1.4M | −$11.1M | −$38.1M | $2.0M |
| EBITDA | $18.2M | $15.6M | $27.3M | $27.9M | $31.6M | −$10.9M | $7.4M | $3.5M | −$1.9M | $8.4M |
| EPS (diluted) | $0.33 | $0.37 | $0.49 | −$0.13 | $0.72 | −$0.22 | −$0.03 | −$0.38 | $0.12 | $0.13 |
| Gross margin | 35.4% | 49.7% | 100.0% | 49.4% | 51.1% | 19.6% | 24.1% | 22.9% | 19.7% | 19.5% |
| Operating margin | 6.8% | 6.1% | 80.4% | 11.8% | 12.2% | −5.2% | 2.3% | 0.8% | −1.2% | 2.2% |
| Net margin | 5.7% | 6.1% | 10.2% | 11.2% | 29.0% | −4.6% | −0.5% | −4.5% | −15.1% | 0.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $60.4M | $58.2M | $72.1M | $62.8M | $65.1M | $55.7M | $63.5M | $61.7M | $62.1M | $57.7M | $66.8M | $59.4M |
| Cost of revenue | $33.8M | $39.7M | $51.8M | $43.7M | $32.0M | $37.6M | $32.5M | $32.3M | $28.7M | $40.2M | $44.7M | $41.4M |
| Gross profit | $26.7M | $18.6M | $20.3M | $19.1M | $33.1M | $18.1M | $31.0M | $29.4M | $33.4M | $17.5M | $22.2M | $18.0M |
| Sales, general & admin | $14.1M | $13.4M | $25.4M | $13.3M | $13.5M | $12.7M | $12.2M | $12.1M | $16.6M | $11.3M | $11.7M | $11.9M |
| Total operating expenses | $27.2M | $16.2M | $12.4M | $14.7M | $26.2M | $19.9M | $27.3M | $26.4M | $30.1M | $12.6M | $13.4M | $13.4M |
| Operating income | −$529,000 | $2.4M | $7.9M | $4.5M | $6.9M | −$1.8M | $3.7M | $3.0M | $3.3M | $4.9M | $8.8M | $4.6M |
| Income before taxes | −$529,000 | $2.4M | $7.9M | $4.5M | $6.9M | −$1.8M | $3.7M | $3.0M | $3.3M | $4.9M | $8.8M | $4.6M |
| Income taxes | −$104,000 | $106,000 | $526,000 | $2.1M | $455,000 | −$164,000 | $95,000 | $247,000 | −$657,000 | $383,000 | −$2.0M | $1.9M |
| Net income | −$425,000 | $2.3M | $7.3M | $2.4M | $6.5M | −$1.6M | $3.6M | $2.8M | $4.0M | $4.5M | $10.7M | $2.7M |
| EBITDA | −$349,000 | $2.5M | $8.1M | $4.7M | $7.1M | −$1.6M | $3.9M | $3.2M | $3.4M | $5.1M | $8.9M | $4.8M |
| EPS (diluted) | $0.01 | $0.03 | $0.11 | $0.07 | $0.13 | $0.02 | $0.15 | $0.05 | $0.08 | $0.09 | $0.22 | $0.05 |
| Gross margin | 44.1% | 31.9% | 28.1% | 30.5% | 50.9% | 32.5% | 48.8% | 47.6% | 53.7% | 30.3% | 33.2% | 30.3% |
| Operating margin | −0.9% | 4.1% | 10.9% | 7.1% | 10.6% | −3.2% | 5.9% | 4.9% | 5.3% | 8.5% | 13.1% | 7.8% |
| Net margin | −0.7% | 3.9% | 10.2% | 3.8% | 9.9% | −2.9% | 5.7% | 4.5% | 6.4% | 7.9% | 16.1% | 4.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CIA's financial statements (latest annual report filed March 12, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CIA financial results
In fiscal year 2025 (ended December 31, 2025), Citizens reported revenue of $255.6 million, up 4.3% from the year before. It had net income of $14.6 million (down 2.2%), a net profit margin of 5.7%. Diluted earnings per share came to $0.33. Over five years revenue grew at an average rate of 1.4% a year.
See the CIA stock overview for the latest quote and news, or the CIA chart for price history and technical indicators.
CIA income statement FAQ
What is Citizens's annual revenue?
Citizens reported total revenue of $255.6 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.3% from $245.0 million the previous year.
Is Citizens profitable?
Yes. Citizens reported net income of $14.6 million in fiscal 2025, a net profit margin of 5.7%; its operating margin was 6.8%.
What is Citizens's gross margin?
Citizens's gross margin was 35.4% in fiscal 2025: for every $100 of revenue, Citizens kept $35 after the direct cost of its products and services.
How fast is Citizens growing?
Revenue grew 1.4% a year on average over the last five fiscal years, from $238.8 million to $255.6 million.
What are Citizens's earnings per share?
Citizens earned $0.33 per diluted share in fiscal 2025, compared with $0.37 a year earlier.
When will Citizens report its next earnings?
Citizens is expected to report results for the quarter ending September 30, 2026 on November 5, 2026 after the market closes.
When does Citizens's fiscal year end?
Citizens's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 12, 2026.