)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
Citizens
Citizens (CIA) investor relations material
Citizens Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Mar, 2026
Executive summary
Achieved record full year total revenues of $255.6 million in 2025, up from $245.0 million in 2024, and record Q4 revenues of $72.1 million, up from $63.5 million in Q4 2024.
Income before federal income tax rose to $17.5 million in 2025 from $15.0 million in 2024; Q4 income before tax was $7.9 million, up from $3.7 million in Q4 2024.
Book value per Class A share increased to $4.67 at year-end 2025 from $4.21 at year-end 2024; adjusted book value per share rose to $6.43 from $6.14.
Total direct insurance in force reached a record $5.43 billion at December 31, 2025, up 3.9% year-over-year.
Producing agents increased 22% year-over-year, supporting thirteen consecutive quarters of first year premium growth.
Financial highlights
Adjusted total revenues for 2025 were $255.5 million, up from $247.6 million in 2024; Q4 adjusted revenues were $70.2 million, up from $67.6 million in Q4 2024.
Adjusted income before federal income tax for 2025 was $17.3 million, down from $21.3 million in 2024; Q4 adjusted income before tax was $6.0 million, down from $8.0 million in Q4 2024.
Net income for Q4 2025 was $7.3 million ($0.14 per diluted share), up from $3.6 million ($0.07 per share) in Q4 2024.
Adjusted net income for Q4 2025 was $5.6 million ($0.11 per share), down from $7.8 million ($0.15 per share) in Q4 2024.
Total assets at year-end 2025 were $1.75 billion; cash and cash equivalents were $23.0 million with no debt.
Outlook and guidance
Expects revenue and profit growth for full year 2026, citing strong global business model, disciplined execution, and favorable demographic trends.
Anticipates reduced levels of matured endowment benefits starting in 2026 as fewer contracts expire.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Citizens
- Strong growth, record sales, and expanding market presence drive optimism for future performance.CIA
Sidoti Micro-Cap Virtual Conference2 Feb 2026 - Rapid growth, global expansion, and conservative management drive strong performance.CIAEmerging Growth Virtual Conference19 Dec 2025
- Up to 5,000,000 shares offered via a direct investment plan for long-term capital needs.CIARegistration Filing16 Dec 2025
- Rapid growth, innovation, and balanced global expansion drive the company's forward strategy.CIAEmerging Growth Conference 8812 Dec 2025
- Record sales, global expansion, and innovative strategies drive strong growth outlook.CIASidoti's Year End Virtual Investor Conference12 Dec 2025
- 2025 meeting features board elections, auditor ratification, and a performance-driven pay structure.CIAProxy Filing2 Dec 2025
- Annual meeting to elect directors, ratify auditor, and vote on executive pay June 17, 2025.CIAProxy Filing2 Dec 2025
- Rapid U.S. growth and global expansion plans position the firm for long-term scalable growth.CIAEmerging Growth Conference 8221 Nov 2025
- Adjusted net income surged 70% on record agent growth and expanding insurance in force.CIAQ3 202514 Nov 2025
Citizens
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage