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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: $3.61 Daily Weekly Monthly 20 Day Moving Average: 114,115 shares Shares Outstanding: 55.97 (millions) Market Capitalization: $202.05 (millions) Beta: 0.43 52 Week High: $6.54 52 Week Low: $3.55 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -7.91% -6.56% 12 Week -36.44% -38.24% Year To Date -25.26% -33.00%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 11815 ALTERRA PKWY FLOOR 15 - 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: 06/01/26 Next Expected EPS Date: 11/05/26 Share - Related Items Shares Outstanding: 55.97 Most Recent Split Date: 12.00 (1.07:1) Beta: 0.43 Market Capitalization: $202.05 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.03 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.12 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: 11/05/26

• Fundamental Ratios P/E Current FY Estimate: 30.08 Trailing 12 Months: 16.41 PEG Ratio: - Price Ratios Price/Book: 0.86 Price/Cash Flow: 9.18 Price / Sales: 0.79 EPS Growth vs. Year Ago Period: -92.31% vs. Previous Quarter: -66.67% Sales Growth vs. Year Ago Period: -7.19% vs. Previous Quarter: 1.15% ROE 06/30/26 - 4.73 03/31/26 - 7.21 12/31/25 - 7.23 ROA 06/30/26 - 0.63 03/31/26 - 0.96 12/31/25 - 0.95 Current Ratio 06/30/26 - 0.04 03/31/26 - 0.04 12/31/25 - 0.05 Quick Ratio 06/30/26 - 0.04 03/31/26 - 0.04 12/31/25 - 0.05 Operating Margin 06/30/26 - 4.33 03/31/26 - 6.44 12/31/25 - 6.42 Net Margin 06/30/26 - 4.55 03/31/26 - 7.12 12/31/25 - 5.71 Pre-Tax Margin 06/30/26 - 5.56 03/31/26 - 8.33 12/31/25 - 6.83 Book Value 06/30/26 - 4.20 03/31/26 - 4.74 12/31/25 - 4.67 Inventory Turnover 06/30/26 - - 03/31/26 - - 12/31/25 - - Debt-to-Equity 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00 Debt-to-Capital 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00

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