What is the 13F Pro Quality Score for CIA?

13F Pro ranks CITIZENS, INC. (CIA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CIA's current score at https://13fpro.ai/research/CIA (free sign-up required for the full ranking).

Which hedge funds own the most CIA stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CIA include BlackRock,, RIPOSTE CAPITAL, CONTINENTAL GENERAL INSURANCE CO. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CIA as soon as new 13F filings post.

Where does 13F Pro source CIA data?

All CITIZENS, INC. fundamentals and ownership data come directly from SEC EDGAR. CITIZENS, INC. files with the SEC under CIK 24090. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CIA in?

CITIZENS, INC. (CIA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CIA research updated on 13F Pro?

CIA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CITIZENS, INC.(CIA)Stock Analysis

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13F Pro Quality Score

42.7/100

Rank #1,837 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

41.4/100

Profitability

44.0/100

Balance Sheet

39.6/100

Earnings Quality

14.0/100

Free Cash Flow

45.2/100

Institutional Flow

69.0/100

Revenue Scale

26.6/100

Dilution Risk

94.9/100

CIA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CITIZENS, INC. (CIA), a Financials sector company. 13F Pro's AI-powered ranking engine scores CIA at 42.7/100 on a 32-signal composite quality model, placing it at rank #1,837 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include earnings quality (14.0) and revenue scale (26.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), CITIZENS, INC. reports quarterly revenue of $59.7M, net income of $2.3M, an operating margin of 4.0%. Top institutional holders of CIA by reported 13-F value include BlackRock,, RIPOSTE CAPITAL, CONTINENTAL GENERAL INSURANCE CO, based on the most recent SEC filings. CIA trades on the NYSE exchange and files with the SEC under CIK 24090. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CIA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITIZENS, INC. directly from SEC EDGAR. CITIZENS, INC.'s 13F Pro composite quality score has ranged between 8 and 53 since 2021, currently 42.7 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about CITIZENS, INC.

Quirks, history, and lore behind CIA — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance holding company · small-cap · listed on the NYSE · headquartered in Texas.
2
The Numbers
Annual revenue in the low hundreds of millions, with a focus on life insurance products sold to a very particular slice of the global market.
3
The History
Founded in the 1960s, the company built its business by selling dollar-denominated life insurance policies to middle-income families in Latin America and other developing regions.
4
The Secret
Its core customers distrust their own currencies — so they pay premiums in U.S. dollars to lock in savings that won't evaporate with the next peso devaluation.
5
The Lore
The company operates through a network of home-service agents who visit policyholders directly, a door-to-door model that feels vintage but still works in emerging markets.
6
The Giveaway
Its ticker is a three-letter spy agency abbreviation — but this CIA isn't gathering intelligence, it's selling life insurance across Latin America one doorstep at a time.

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Revenue

Q1 2026

$59.7M

Net Income

Q1 2026

$2.3M

Free Cash Flow

Q1 2026

$-649.0K

Operating Margin

Q1 2026

4.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-7.2% YoY

$232.5MFY 2022

FY19 $250.5MFY20 $238.9MFY21 $250.5MFY22 $232.5M

Net Income

-64.2% YoY

$26.0MFY 2022

FY19 $-1.4MFY20 $-11.0MFY21 $72.7MFY22 $26.0M

Total Assets

-14.2% YoY

$1.59BFY 2022

FY19 $1.74BFY20 $1.84BFY21 $1.85BFY22 $1.59B

Op. Cash Flow

+40.7% YoY

$56.9MFY 2022

FY19 $72.2MFY20 $48.8MFY21 $40.5MFY22 $56.9M

Metric	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2016
Revenue	$232.5M -7.2%	$250.5M +4.9%	$238.9M -4.7%	$250.5M +2.7%	$244.0M -0.6%	$245.4M
Net Income	$26.0M -64.2%	$72.7M +761.7%	$-11.0M -702.0%	$-1.4M +87.6%	$-11.1M -661.8%	$2.0M
Total Assets	$1.59B -14.2%	$1.85B +0.6%	$1.84B +5.6%	$1.74B +8.0%	$1.62B +2.0%	$1.58B
Operating Cash Flow	$56.9M +40.7%	$40.5M -17.2%	$48.8M -32.4%	$72.2M -14.7%	$84.6M -17.3%	$102.3M

AI Insight: CIA Financial Trends

Citizens Inc. shows volatile quarterly performance with revenue swinging from $56M to $72M and operating cash flow turning negative in Q1 2026.

• Revenue fluctuated significantly, ranging from $56M in Q1 2025 to $72M in Q4 2025.

• Equity steadily increased from $191M in Q2 2024 to $239M in Q1 2026.

• Net income turned negative at -$2M in Q1 2025 but recovered to $7M in Q4 2025.

⚠ Operating cash flow declined from $9M in Q4 2025 to -$0M in Q1 2026.

⚠ Revenue dropped from $72M peak in Q4 2025 to $60M in Q1 2026.

AI Insight: CIA Ratio Trends

Citizens Inc. shows extreme quarterly volatility with operating margins swinging from -3.2% in Q1 2025 to 10.9% in Q4 2025.

• Operating margin jumped from -3.2% in Q1 2025 to 10.9% in Q4 2025, then fell to 4.0% in Q1 2026.

• ROIC swung from -3.3% in Q1 2025 to 13.4% in Q4 2025, dropping to 4.0% in Q1 2026.

• TTM metrics show recovery with 8.3% operating margin versus 5.3% in Q2 2024.

⚠ Profitability collapsed in Q1 2025 with negative operating margin of -3.2% — first negative quarter in dataset.

⚠ Sharp quarterly swings suggest underlying business instability or significant one-time items affecting consistency.

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Available Research

13F Pro tracks comprehensive data for CITIZENS, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CIA

BlackRock, Inc.
$16.4M3,267,299 sh
RIPOSTE CAPITAL LLC
$13.7M2,535,000 sh
CONTINENTAL GENERAL INSURANCE CO
$12.8M2,551,649 sh
VANGUARD CAPITAL MANAGEMENT LLC
$9.8M1,955,123 sh
GEODE CAPITAL MANAGEMENT, LLC
$5.3M1,052,223 sh
STATE STREET CORP
$3.4M668,458 sh
UBS Group AG
$3.3M646,373 sh
First Eagle Investment Management, LLC
$2.9M582,750 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$2.5M494,418 sh
NORTHERN TRUST CORP
$1.7M344,479 sh

Fund	Value	Shares
BlackRock, Inc.	$16.4M	3,267,299
RIPOSTE CAPITAL LLC	$13.7M	2,535,000
CONTINENTAL GENERAL INSURANCE CO	$12.8M	2,551,649
VANGUARD CAPITAL MANAGEMENT LLC	$9.8M	1,955,123
GEODE CAPITAL MANAGEMENT, LLC	$5.3M	1,052,223
STATE STREET CORP	$3.4M	668,458
UBS Group AG	$3.3M	646,373
First Eagle Investment Management, LLC	$2.9M	582,750
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$2.5M	494,418
NORTHERN TRUST CORP	$1.7M	344,479

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Is CIA a good stock to buy?

13F Pro's AI-powered analysis of CITIZENS, INC. (CIA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CIA are available on the CIA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CIA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CIA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITIZENS, INC.'s investment landscape.