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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: $4.83 Daily Weekly Monthly 20 Day Moving Average: 101,959 shares Shares Outstanding: 50.24 (millions) Market Capitalization: $242.68 (millions) Beta: 0.41 52 Week High: $6.36 52 Week Low: $2.90 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -9.55% -9.40% 12 Week -12.02% -13.44% Year To Date 0.00% 0.00%

• 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 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: 09/01/25 Next Expected EPS Date: 03/12/26 Share - Related Items Shares Outstanding: 50.24 Most Recent Split Date: 12.00 (1.07:1) Beta: 0.41 Market Capitalization: $242.68 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.05 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: 03/12/26

• Fundamental Ratios P/E Current FY Estimate: 16.10 Trailing 12 Months: 16.66 PEG Ratio: - Price Ratios Price/Book: 1.08 Price/Cash Flow: 11.35 Price / Sales: 0.98 EPS Growth vs. Year Ago Period: 40.00% vs. Previous Quarter: -46.15% Sales Growth vs. Year Ago Period: 1.74% vs. Previous Quarter: -3.50% ROE 12/31/25 - - 09/30/25 - 6.54 06/30/25 - 6.42 ROA 12/31/25 - - 09/30/25 - 0.84 06/30/25 - 0.81 Current Ratio 12/31/25 - - 09/30/25 - 0.05 06/30/25 - 0.04 Quick Ratio 12/31/25 - - 09/30/25 - 0.05 06/30/25 - 0.04 Operating Margin 12/31/25 - - 09/30/25 - 5.85 06/30/25 - 5.64 Net Margin 12/31/25 - - 09/30/25 - 4.40 06/30/25 - 4.57 Pre-Tax Margin 12/31/25 - - 09/30/25 - 5.39 06/30/25 - 4.83 Book Value 12/31/25 - - 09/30/25 - 4.49 06/30/25 - 4.56 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - - 09/30/25 - 0.00 06/30/25 - 0.00 Debt-to-Capital 12/31/25 - - 09/30/25 - 0.00 06/30/25 - 0.00

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