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Price per share at the end of the period divided by the last reported earnings

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Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Citizens, Inc.

The significance of a company's longevity in the market

Years since IPO

Evaluation of recent trends and improvements in the company's revenue

Revenue Growth

Assessment of recent increases in earnings per share, indicating profitability

EPS Growth

Review of the company's ability to generate free cash flow over recent periods

FCF Growth

Analysis of Return on Equity, showing how effectively the company uses equity to generate profits

Examination of debt levels using Debt/Assets and Debt/EBITDA to ensure manageable leverage

Debt

SIDOTI VIRTUAL CONFERENCE ON DECEMBER 10 AND 11, 2025 EMERGING GROWTH VIRTUAL CONFERENCE ON DECEMBER 11, 2025 AUSTIN, TEXAS--(NEWSFILE CORP. - DECEMBER 2, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY PROVIDED ADDITIONAL INFORMATION RELATED TO ITS PREVIOUSLY ANNOUNCED PARTICIPATION IN UPCOMING INVESTOR CONFERENCES. SIDOTI VIRTUAL CONFERENCE ON DECEMBER 10 AND 11, 2025 CITIZENS MANAGEMENT PLANS TO PARTICIPATE IN THE SIDOTI VIRTUAL CONFERENCE ON DECEMBER 10 AND 11.

CITIZENS, INC. ANNOUNCES PLANS FOR UPCOMING INVESTOR CONFERENCES

RECORD NUMBER OF AGENTS: INCREASED GLOBAL NETWORK OF PRODUCING AGENTS, UP 19% SINCE SEPTEMBER 30, 2024, AND UP 29% FROM 2024 YEAR-END HIGHEST EVER TOTAL DIRECT INSURANCE IN FORCE OF $5.38 BILLION TOTAL REVENUES OF $62.8 MILLION IN Q3 2025, FROM $61.7 MILLION IN Q3 2024 ADJUSTED TOTAL REVENUES OF $64.1 MILLION IN Q3 2025, INCREASED 5% FROM $60.9 MILLION IN Q3 2024 NET INCOME IN Q3 2025 OF $2.4 MILLION, OR $0.04 INCOME PER FULLY DILUTED CLASS A SHARE, FROM $2.8 MILLION NET INCOME, OR $0.05 INCOME PER FULLY DILUTED CLASS A SHARE IN Q3 2024 ADJUSTED NET INCOME IN Q3 2025 OF $3.4 MILLION, OR $0.07 ADJUSTED INCOME PER FULLY DILUTED CLASS A SHARE, INCREASED 70% FROM $2.0 MILLION ADJUSTED NET INCOME OR $0.04 ADJUSTED INCOME PER FULLY DILUTED CLASS A SHARE IN Q3 2024 BOOK VALUE PER CLASS A SHARE OF $4.49 ON SEPTEMBER 30, 2025 INCREASED FROM $4.16 ON SEPTEMBER 30, 2024 ADJUSTED BOOK VALUE PER CLASS A SHARE OF $6.26 ON SEPTEMBER 30, 2025, FROM $6.06 ON SEPTEMBER 30, 2024 AUSTIN, TEXAS--(NEWSFILE CORP. - NOVEMBER 6, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY REPORTED RESULTS FOR THE THIRD QUARTER ENDED SEPTEMBER 30, 2025. "WE ARE DELIVERING TANGIBLE RESULTS ON OUR STRATEGIC ROADMAP TO ACCELERATE GROWTH.

CITIZENS, INC. REPORTS THIRD QUARTER 2025 FINANCIAL RESULTS

EMERGING GROWTH VIRTUAL CONFERENCE ON OCTOBER 22, 2025 SIDOTI VIRTUAL CONFERENCE ON DECEMBER 10 AND 11, 2025 AUSTIN, TEXAS--(NEWSFILE CORP. - OCTOBER 16, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY ANNOUNCED MANAGEMENT'S PLAN FOR PARTICIPATION IN UPCOMING INVESTOR CONFERENCES. EMERGING GROWTH VIRTUAL CONFERENCE ON OCTOBER 22, 2025 CITIZENS MANAGEMENT PLANS TO PRESENT AT THE EMERGING GROWTH VIRTUAL CONFERENCE ON OCTOBER 22 AT 2:55 ET.

AUSTIN, TEXAS--(NEWSFILE CORP. - SEPTEMBER 26, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, HOSTED A BUSINESS UPDATE WEBCAST ON SEPTEMBER 24, 2025 AT 1:45 ET. THE COMPANY PROVIDED A POSITIVE OVERVIEW OF ITS OPERATIONS AND GROWTH STRATEGY.

CITIZENS, INC. PROVIDES BUSINESS UPDATE HIGHLIGHTING ITS GROWTH AND OPERATIONS INITIATIVES

AUSTIN, TEXAS--(NEWSFILE CORP. - SEPTEMBER 17, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY ANNOUNCED MANAGEMENT WILL CONDUCT A BUSINESS UPDATE CONFERENCE CALL AND WEBCAST ON SEPTEMBER 24, 2025 AT 1:45 ET. CITIZENS' MANAGEMENT WILL PRESENT AND RESPOND TO QUESTIONS DURING THIS EVENT.

CITIZENS, INC. BUSINESS UPDATE CONFERENCE CALL AND WEBCAST ON SEPTEMBER 24, 2025

RECORD NUMBER OF AGENTS: INCREASED GLOBAL NETWORK OF PRODUCING AGENTS, UP 53% SINCE JUNE 30, 2024, AND UP 28% FROM 2024 YEAR-END HIGHEST-EVER TOTAL DIRECT INSURANCE IN FORCE OF $5.35 BILLION TOTAL REVENUES OF $65.1 MILLION IN Q2 2025, FROM $62.1 MILLION IN Q2 2024 NET INCOME IN Q2 2025 OF $6.5 MILLION, OR $0.13 INCOME PER FULLY DILUTED CLASS A SHARE, INCREASED FROM $4.0 MILLION NET INCOME, OR $0.08 INCOME PER FULLY DILUTED CLASS A SHARE, IN Q2 2024 BOOK VALUE PER CLASS A SHARE OF $4.56 ON JUNE 30, 2025 INCREASED 18% FROM JUNE 30, 2024 AUSTIN, TEXAS--(NEWSFILE CORP. - AUGUST 7, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY REPORTED RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025. "THE CRITICAL STEPS IN OUR STRATEGIC ROADMAP TO ACCELERATE GROWTH ARE DELIVERING TANGIBLE RESULTS.

CITIZENS, INC. REPORTS SECOND QUARTER 2025 FINANCIAL RESULTS

AUSTIN, TEXAS--(NEWSFILE CORP. - JUNE 30, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY ANNOUNCED THE COMPANY WAS SELECTED TO REJOIN THE BROAD-MARKET RUSSELL 3000 INDEX AND THE SMALL-CAP RUSSELL 2000 INDEX EFFECTIVE AFTER THE U.S. MARKET OPENS ON JUNE 30, 2025, AS PART OF THE 2025 RUSSELL INDEXES RECONSTITUTION. RUSSELL INDEXES ARE WIDELY USED BY INVESTMENT MANAGERS AND INSTITUTIONAL INVESTORS FOR INDEX FUNDS AND AS BENCHMARKS FOR ACTIVE INVESTMENT STRATEGIES.

CITIZENS, INC. REJOINED THE RUSSELL 2000(R) AND RUSSELL 3000(R) INDEXES

TOTAL REVENUES OF $55.7 MILLION IN Q1 2025, FROM $57.7 MILLION IN Q1 2024ADJUSTED TOTAL REVENUES OF $58.5 MILLION IN Q1 2025, UP FROM $56.7 MILLION IN Q1 2024 $1.8 MILLION LOSS BEFORE FEDERAL INCOME TAX IN Q1 2025, FROM $4.9 MILLION INCOME IN Q1 2024 ADJUSTED INCOME BEFORE FEDERAL INCOME TAX OF $1.1 MILLION IN Q1 2025, FROM $4.0 MILLION IN Q1 2024 BOOK VALUE PER CLASS A SHARE OF $4.37 AT MARCH 31 2025, FROM $3.94 AT MARCH 31, 2024ADJUSTED BOOK VALUE PER CLASS A SHARE OF $6.12 AT MARCH 31, 2025, FROM $5.95 AT MARCH 31, 2024 AUSTIN, TEXAS--(NEWSFILE CORP. - MAY 8, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY REPORTED RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2025. "WE CONTINUE TO DELIVER ON OUR STRATEGIC COMMITMENTS WITH OUR TENTH CONSECUTIVE QUARTER OF YEAR-OVER-YEAR GROWTH IN FIRST YEAR PREMIUMS.

CITIZENS, INC. REPORTS FIRST QUARTER 2025 FINANCIAL RESULTS

EMERGING GROWTH VIRTUAL CONFERENCE ON APRIL 17, 2025 SINGULAR RESEARCH VIRTUAL CONFERENCE ON MAY 22, 2025 AUSTIN, TEXAS--(NEWSFILE CORP. - APRIL 16, 2025) - CITIZENS, INC. (NYSE: CIA), A LEADING DIVERSIFIED FINANCIAL SERVICES COMPANY SPECIALIZING IN LIFE, LIVING BENEFITS, AND FINAL EXPENSE INSURANCE, TODAY ANNOUNCED MANAGEMENT'S PLAN FOR PARTICIPATION IN UPCOMING INVESTOR CONFERENCES. EMERGING GROWTH VIRTUAL CONFERENCE ON APRIL 17, 2025 CITIZENS MANAGEMENT PLANS TO PRESENT AT THE EMERGING GROWTH VIRTUAL CONFERENCE ON APRIL 17 AT 2:55 ET.

TOTAL REVENUES OF $245.0 MILLION IN THE FULL YEAR 2024, FROM $240.7 IN 2023. ADJUSTED TOTAL REVENUES OF $247.6 MILLION IN THE FULL YEAR 2024, FROM $239.9 MILLION IN 2023.

Citizens, Inc.

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Citizens, Inc.

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