Company Quick10K Filing
Citizens
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 -0 $-0
10-Q 2019-11-06 Quarter: 2019-09-30
10-Q 2019-08-07 Quarter: 2019-06-30
10-Q 2019-05-10 Quarter: 2019-03-31
10-K 2019-03-26 Annual: 2018-12-31
10-Q 2018-11-07 Quarter: 2018-09-30
10-Q 2018-08-07 Quarter: 2018-06-30
10-Q 2018-05-04 Quarter: 2018-03-31
10-K 2018-03-29 Annual: 2017-12-31
10-Q 2017-11-07 Quarter: 2017-09-30
10-Q 2017-08-04 Quarter: 2017-06-30
10-Q 2017-05-09 Quarter: 2017-03-31
10-K 2017-04-27 Annual: 2016-12-31
10-Q 2016-11-07 Quarter: 2016-09-30
10-Q 2016-08-09 Quarter: 2016-06-30
10-Q 2016-05-03 Quarter: 2016-03-31
10-K 2016-03-24 Annual: 2015-12-31
10-Q 2015-11-09 Quarter: 2015-09-30
10-Q 2015-08-06 Quarter: 2015-06-30
10-Q 2015-05-06 Quarter: 2015-03-31
10-K 2015-04-06 Annual: 2014-12-31
10-Q 2014-11-05 Quarter: 2014-09-30
10-Q 2014-08-07 Quarter: 2014-06-30
10-Q 2014-05-06 Quarter: 2014-03-31
10-K 2014-03-11 Annual: 2013-12-31
10-Q 2013-11-06 Quarter: 2013-09-30
10-Q 2013-08-06 Quarter: 2013-06-30
10-Q 2013-05-02 Quarter: 2013-03-31
10-K 2013-03-12 Annual: 2012-12-31
10-Q 2012-11-06 Quarter: 2012-09-30
10-Q 2012-08-06 Quarter: 2012-06-30
10-Q 2012-05-07 Quarter: 2012-03-31
10-K 2012-03-12 Annual: 2011-12-31
10-Q 2011-11-03 Quarter: 2011-09-30
10-Q 2011-08-08 Quarter: 2011-06-30
10-Q 2011-05-06 Quarter: 2011-03-31
10-K 2011-03-11 Annual: 2010-12-31
10-Q 2010-11-05 Quarter: 2010-09-30
10-Q 2010-08-06 Quarter: 2010-06-30
10-Q 2010-05-07 Quarter: 2010-03-31
10-K 2010-03-12 Annual: 2009-12-31
8-K 2020-02-11 Officers, Other Events, Exhibits
8-K 2020-01-24 Regulation FD, Exhibits
8-K 2019-11-08 Officers
8-K 2019-09-20 Officers, Exhibits
8-K 2019-07-12 Other Events
8-K 2019-06-04 Shareholder Vote
8-K 2019-03-27 Officers
8-K 2019-01-23 Officers, Exhibits
8-K 2019-01-18 Officers, Exhibits
8-K 2018-08-22 Other Events
8-K 2018-08-16 Officers
8-K 2018-06-11 Officers, Exhibits
8-K 2018-06-05 Shareholder Vote, Exhibits
8-K 2018-05-29 Other Events, Exhibits
8-K 2018-04-25 Other Events
8-K 2018-01-22 Officers, Exhibits

Citizens Financials

CIA Metrics, Comps, Filings

Annual | Quarterly

Business

Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company incorporated in Colorado serving the life insurance needs of individuals in the United States since 1969 and internationally since 1975. Through our insurance subsidiaries, we pursue a strategy of offering traditional insurance products in niche markets where we believe we are able to achieve competitive advantages. We had approximately $1.6 billion of assets at December 31, 2018 and approximately $4.4 billion of insurance in force. Our core insurance operations include:

-U.S. dollar-denominated ordinary whole life insurance and endowment policies predominantly sold to foreign residents, located principally in Latin America and the Pacific Rim, through independent marketing consultants;

-ordinary whole life insurance policies to middle income households concentrated in the Midwest, Mountain West and southern United States through independent marketing consultants; and


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Annual)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
American Equity Investment Life Holding (AEL) 2,525 0% 4.1 0% 66,371 62,874 2,450 0 212 320 1,309
Genworth Financial (GNW) 1,908 0% 4.6 0% 104,306 88,714 8,516 0 331 867 4,014
FGL (FG) 1,781 0% 4.2 0% 35,098 32,838 1,328 0 158 238 1,009
FBL Financial Group (FFG) 1,506 0% 12.5 1% 10,260 8,862 759 0 107 127 1,590
Primus Guaranty (PRS) 909 -0% -8.6 -20% 586 641 -110 0 -119 -115 994
Independence Holding (IHC) 570 0% 13.8 3% 1,071 601 367 0 31 40 552
GWG Holdings (GWGH) 214 0% -4.0 -9% 1,541 1,308 19 0 -146 -34 138
Atlantic American (AAME) 57 0% 12.4 0% 372 259 194 0 1 4 46
Federal Life Group (FLF) 45 0% -111.3 -0% 287 230 5 0 -0 -0 16
National Security Group (NSEC) 27 0% 20.4 0% 152 101 67 0 0 2 34
Prudential Financial (PJH)
Globe Life (GL)
Aegon NV (AEB)
Sun Life Financial (SLF)
Manulife Financial Corp (MFC)
China Life Insurance (LFC) 0% 3,254,403 2,931,113 0 0 0 0 -50,792
Aegon (AEG) 0% 392,633 370,065 0 0 0 0 -3,725
Citizens (CIA) 0% -6.5 -1% 1,702 1,466 246 0 -25 5 -35
Athene Holding (ATH) 0% -2.6 1% 138,980 126,615 12,072 0 1,964 2,023 -5,239
National Western Life Group (NWLI) 0% -0.9 1% 12,613 10,558 679 0 136 165 -141

Balance Sheet ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash3316171516154645
Accounts Receivable
Inventory
PP&E96666676
Assets1,0912692512642482521,6441,616
Accounts Payable
Long-Term Debt
Liabilities836655631,4211,428
Stockholders' Equity256263246258243249224188
Income Statement ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue1953029293335253244
Cost of Revenue
Gross Profit
R&D
SG&A2626262934
Tax3105543513
Net Income855-7-42-38-11
Cash Flow ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating643323-19385
Cash Investing-85-8-2-10-21-85-85
Cash Financing46-050-13-0