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Zacks Company Profile for Citizens, Inc. (CIA : NYSE)

• Company Description    Citizens, Inc. operates primarily as an insurance holding company. Number of Employees: 246

• Price / Volume Information    Yesterday's Closing Price: $5.10 Daily Weekly Monthly 20 Day Moving Average: 166,547 shares Shares Outstanding: 50.30 (millions) Market Capitalization: $256.53 (millions) Beta: 0.48 52 Week High: $6.40 52 Week Low: $2.90 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -0.39% 1.99% 12 Week 6.92% 13.15% Year To Date 5.59% 9.81%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 11815 ALTERRA PKWY SUITE 1500 - AUSTIN,TX 78714 USA ph: 512-837-7100 fax: 512-836-9785 cia@darrowir.com http://www.citizensinc.com

• General Corporate Information    Officers Jon Stenberg - Chief Executive Officer and President Jerry D. Davis - Chairman Cynthia H. Davis - Vice Chairman Jeffery P. Conklin - Vice President; Chief Financial Officer; Chief Inv Christopher W. Claus - Director Peer Information Citizens, Inc. (AGC.) Citizens, Inc. (T.GWO) Citizens, Inc. (AMH.2) Citizens, Inc. (CSLI.) Citizens, Inc. (CIA) Citizens, Inc. (DFG) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: INS-LIFE Sector: Finance CUSIP: 174740100 SIC: 6311 Fiscal Year Fiscal Year End: December Last Reported Quarter: 12/01/25 Next Expected EPS Date: 05/14/26 Share - Related Items Shares Outstanding: 50.30 Most Recent Split Date: 12.00 (1.07:1) Beta: 0.48 Market Capitalization: $256.53 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.07 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.30 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 05/14/26

• Fundamental Ratios P/E Current FY Estimate: 17.00 Trailing 12 Months: 15.45 PEG Ratio: - Price Ratios Price/Book: 1.09 Price/Cash Flow: 12.96 Price / Sales: 1.00 EPS Growth vs. Year Ago Period: 57.14% vs. Previous Quarter: 57.14% Sales Growth vs. Year Ago Period: 13.54% vs. Previous Quarter: 14.75% ROE 03/31/26 - - 12/31/25 - 7.23 09/30/25 - 6.54 ROA 03/31/26 - - 12/31/25 - 0.95 09/30/25 - 0.84 Current Ratio 03/31/26 - - 12/31/25 - 0.05 09/30/25 - 0.05 Quick Ratio 03/31/26 - - 12/31/25 - 0.05 09/30/25 - 0.05 Operating Margin 03/31/26 - - 12/31/25 - 6.42 09/30/25 - 5.85 Net Margin 03/31/26 - - 12/31/25 - 5.71 09/30/25 - 4.40 Pre-Tax Margin 03/31/26 - - 12/31/25 - 6.83 09/30/25 - 5.39 Book Value 03/31/26 - - 12/31/25 - 4.67 09/30/25 - 4.49 Inventory Turnover 03/31/26 - - 12/31/25 - - 09/30/25 - - Debt-to-Equity 03/31/26 - - 12/31/25 - 0.00 09/30/25 - 0.00 Debt-to-Capital 03/31/26 - - 12/31/25 - 0.00 09/30/25 - 0.00

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