All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
6 warning events since 2017; the latest 2021-06-22.
From the record
Citizens, Inc.'s filings since 2017 show 6 warning events of 2 kinds: an auditor change (8-K item 4.01, 3 times, the latest 2021-06-22); a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2019-03-18) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+0.5% a year over 10 filed years; profitable in 6 of 10.
From the record
Citizens, Inc.'s 10 filed years say what it did: revenue went from $245 million in fiscal 2016 to $256 million in fiscal 2025, up 0.5% a year; it rose in 6 of 9 years; the deepest fall was 8% from fiscal 2017 to fiscal 2022; net income was positive in 6 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 0.3/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Citizens, Inc.'s shareholder treatment is put at 0.3 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the bottom 3% of 18 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 6%: 6¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Citizens, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 33% of 18 in its family; net margin 5.7%.
From the record
Citizens, Inc.'s standing among 18 graded names in its industry family: revenue of $256 million in fiscal 2025 ranks in the bottom 10% by size; a net margin of 5.7% ranks in the bottom 47%; revenue growth of 3.2% a year over the last 3 filed years ranks in the bottom 42% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 38% of 13 in its family for leadership; chief executive since 2024.
From the record
Citizens, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Stenberg, Jon (President & CEO, as filed), filing under that title since 2024-07-12, 2.3 years (bottom 42% of its family); the 14 officers and directors filing in the last fifteen months have been on the record a median of 4 years (bottom 29%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (bottom 42%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 49% of 16 in its family for room to expand.
From the record
Citizens, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $23 million against no long-term debt tagged leaves 1.3% of its assets as net cash, top 31% of its family; cash from operations less capital spending is 6.9% of revenue (bottom 28%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 35% of 18 in its family for growth drivers.
From the record
Citizens, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 3.2% a year over the last three filed years against 0.5% over all 10, speeding up (top 36% of its family); the newest year grew 4.3% (bottom 47%); capital spending grew 64.7% a year (top 17%) (its annual reports). Citizens, Inc. reported 2 lines of business in fiscal 2025: International Insurance at $176 million, Domestic Insurance at $79 million. 2 of 2 grew in the latest filed year, and the largest line is 69% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 45% of 18 in its family for expectations against reality.
From the record
Citizens, Inc.'s newest year against its own record: revenue of $256 million in fiscal 2025 came in 1.6% above the $251 million its prior three years' pace pointed to (top 36% of its family); net income of $15 million against a prior three-year average of $22 million (bottom 36%); a net margin of 5.7% against 9.1% before (bottom 36%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made