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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: 250

• Price / Volume Information    Yesterday's Closing Price: $3.49 Daily Weekly Monthly 20 Day Moving Average: 480,070 shares Shares Outstanding: 50.15 (millions) Market Capitalization: $175.02 (millions) Beta: 0.36 52 Week High: $5.95 52 Week Low: $2.33 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -2.79% -7.00% 12 Week -9.82% -26.43% Year To Date -12.97% -17.50%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 11815 ALTERRA PKWY SUITE 1500 - AUSTIN,TX 78758 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 Gerald W. Shields - Vice Chairman Jeffery P. Conklin - Vice President; Chief Financial Officer and Treasu 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: 03/01/25 Next Expected EPS Date: 08/05/25 Share - Related Items Shares Outstanding: 50.15 Most Recent Split Date: 12.00 (1.07:1) Beta: 0.36 Market Capitalization: $175.02 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.04 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.22 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: 08/05/25

• Fundamental Ratios P/E Current FY Estimate: 15.86 Trailing 12 Months: 15.86 PEG Ratio: - Price Ratios Price/Book: 0.80 Price/Cash Flow: 8.20 Price / Sales: 0.72 EPS Growth vs. Year Ago Period: -77.78% vs. Previous Quarter: -71.43% Sales Growth vs. Year Ago Period: -3.57% vs. Previous Quarter: -12.32% ROE 06/30/25 - - 03/31/25 - 5.50 12/31/24 - 7.41 ROA 06/30/25 - - 03/31/25 - 0.67 12/31/24 - 0.88 Current Ratio 06/30/25 - - 03/31/25 - 0.04 12/31/24 - 0.05 Quick Ratio 06/30/25 - - 03/31/25 - 0.04 12/31/24 - 0.05 Operating Margin 06/30/25 - - 03/31/25 - 4.68 12/31/24 - 6.09 Net Margin 06/30/25 - - 03/31/25 - 3.60 12/31/24 - 6.09 Pre-Tax Margin 06/30/25 - - 03/31/25 - 3.40 12/31/24 - 6.11 Book Value 06/30/25 - - 03/31/25 - 4.37 12/31/24 - 4.21 Inventory Turnover 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Equity 06/30/25 - - 03/31/25 - 0.00 12/31/24 - 0.00 Debt-to-Capital 06/30/25 - - 03/31/25 - 0.00 12/31/24 - 0.00

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