Citizens, Inc. is classed by the SEC under Life Insurance (industry code 6311), based in Austin, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $256 million and a profit of $15 million (its filed statements).
Insurance businessLife InsuranceAustin, TXfilings since 19958 of 9 filed, 1 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6311, Life Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.6 out of ten, 8 of 9 metrics filed and 1 estimated: past 1.6 out of ten, present 4.4 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 1.7 out of ten. 6 warning events since 2017; the latest 2021-06-22. 17th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 4.4 out of ten. +0.5% a year over 10 filed years; profitable in 6 of 10. 44th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 0.3 out of ten. CrossAssetData estimate 0.3/10, confidence 35 of 100 (one part). 3rd percentile among 18 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 5.6 out of ten. ROE 6%: 6¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 56th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 3.5 out of ten. bottom 35% of 18 in its family; net margin 5.7%. 35th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 3.3 out of ten. bottom 33% of 13 in its family for leadership; chief executive since 2024. 33rd percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.2 out of ten. top 48% of 16 in its family for room to expand. 52nd percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.7 out of ten. top 33% of 18 in its family for growth drivers. 67th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.7 out of ten. bottom 47% of 18 in its family for expectations against reality. 47th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form 8-K, 2026-10-09. Filings on record since 1995. Read from EDGAR 2026-10-12.
Who runs it
Stenberg, Jon (President & CEO); Conklin, Jeffery P. (CFO & Treasurer); Guerrero, Paula L (Chief Information Officer); Lewis, Bryon Matthew (Chief Operations Officer); Hoxworth, Seth Alan (Chief Actuary); Kinlaw, Sheryl L (Chief Legal Officer); Waite, Harvey J. (Chief Actuary); Harwood, Michael Philip (director); Carlson, Peter M (director); Claus, Christopher W (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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