CIA on NYSE

CITIZENS, INC.

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Last updated Oct 16, 2026.

Overview

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TickerCIA on NYSE
IndustryLife Insurance
HeadquartersCO
Incorporated inCO²
Business address11815 Alterra Pkwy, Suite 1500, Austin, Tx 78758²
Filer categoryAccelerated filer²

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

5.7%Net margin³

4.3%Revenue growth, 2025³

6.2%Return on equity³

$17.5MFree cash flow³

Where the money goes

Where each dollar of revenue went, fiscal 2025

Other costs

Other costs93¢$238.1M
Income tax1¢$2.9M
Profit6¢$14.6M

Out of $255.6M in revenue.³

Where each dollar of operating cash went, fiscal 2025

Kept or used elsewhere

Capital spending2¢$447.0K
Kept or used elsewhere98¢$17.5M

Out of $18.0M of cash from operations.³

Financial statements

Revenue⁴⁵⁶³$255.6M in 2025+2% since 2019

Net income⁴⁵⁶³$14.6M in 2025

Fiscal year	2019	2020	2021	2022	2023	2024	2025
Revenue	$250.5M⁴	$238.9M⁴	$250.5M⁵	$232.5M⁵	$240.7M⁶	$245.0M³	$255.6M³
Income tax	$7.1M⁴	-$1.3M⁴	-$42.2M⁵	$1.4M⁵	$1.7M⁶	$68.0K³	$2.9M³
Net income	-$1.4M⁴	-$11.0M⁴	$72.7M⁵	$26.0M⁵	$24.4M⁶	$14.9M³	$14.6M³

Total assets⁹⁴¹⁰⁵⁶³$1.8B in 2025+1% since 2019

Total liabilities⁹⁴¹⁰⁵⁶³$1.5B in 2025+2% since 2019

Shareholders’ equity⁴⁵⁶³$235.0M in 2025−10% since 2019

Cash⁹⁴¹⁰⁵⁶³$23.0M in 2025−50% since 2019

Fiscal year	2019	2020	2021	2022	2023	2024	2025
Cash	$46.2M⁹	$34.1M⁴	$27.3M¹⁰	$23.0M⁵	$27.0M⁶	$29.3M³	$23.0M³
Total assets	$1.7B⁹	$1.8B⁴	$1.9B¹⁰	$1.6B⁵	$1.7B⁶	$1.7B³	$1.8B³
Total liabilities	$1.5B⁹	$1.5B⁴	$1.5B¹⁰	$1.5B⁵	$1.5B⁶	$1.5B³	$1.5B³
Shareholders’ equity	$259.8M⁴	$300.9M⁵	$100.0M⁵	$127.8M⁶	$172.1M³	$210.4M³	$235.0M³
Shares outstanding						49.6M shares⁵	49.9M shares⁶

Cash from operations⁴⁵⁶³$18.0M in 2025−75% since 2019

Capital spending⁴⁵⁶³$447.0K in 2025−13% since 2019

Free cash flow⁴⁵⁶³$17.5M in 2025−76% since 2019

Fiscal year	2019	2020	2021	2022	2023	2024	2025
Cash from operations	$72.2M⁴	$48.8M⁴	$40.5M⁵	$56.9M⁵	$22.1M⁶	$31.9M³	$18.0M³
Capital spending	$511.0K⁴	$221.0K⁴	$1.0M⁵	$100.0K⁵	$442.0K⁶	$663.0K³	$447.0K³
Free cash flow	$71.7M	$48.6M	$39.4M	$56.8M	$21.6M	$31.3M	$17.5M

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Leadership

Who has led CITIZENS, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

Chair

President

Chief financial officer

Chief operating officer

20052010201520202025

Chief executive officerJon Stenberg Jul 12, 2024 to now¹¹
Chief executive officerGerald W. Shields Jun 4, 2021 to Apr 2, 2024¹²
Chief executive officerGeoffrey Martin Kolander Feb 20, 2018 to Aug 7, 2020¹³
Chief executive officerHarold E. Riley Feb 13, 2008 to Jan 15, 2015¹⁴
Chief executive officerRick D. Riley Aug 20, 2003 to May 19, 2016¹⁵
ChairRick D. Riley Feb 4, 2016 to May 19, 2016¹⁶
ChairHarold E. Riley Feb 13, 2004 to Aug 24, 2015¹⁷
PresidentJon Stenberg Mar 19, 2024 to now¹⁸
PresidentGerald W. Shields Jun 4, 2021 to Apr 2, 2024¹²
PresidentKay E. Osbourn Jan 19, 2016 to Jan 19, 2017¹⁹
PresidentRick D. Riley Oct 1, 2007 to Jan 16, 2015²⁰
PresidentMark A. Oliver Jan 30, 2004 to Feb 28, 2007²¹
Chief financial officerJeffery P. Conklin Feb 4, 2020 to now²²
Chief financial officerDavid S. Jorgensen Nov 23, 2015 to Jan 19, 2017²³
Chief financial officerKay E. Osbourn Jan 11, 2011 to Apr 22, 2019²⁴
Chief financial officerThomas Frank Kopetic Feb 13, 2008 to Jan 15, 2009²⁵
Chief financial officerLarry E. Carson Feb 12, 2007 to Feb 12, 2007²⁶
Chief operating officerTerry B. Festervand Feb 10, 2017 to Feb 20, 2018²⁷
Chief operating officerRay A. Riley Feb 14, 2005 to Feb 18, 2005²⁸

Board members and other officers (46)

Chief ActuarySeth Alan Hoxworth Mar 16, 2026 to now²⁹
Chief Information OfficerPaula L. Guerrero Jan 13, 2025 to now³⁰
VP, OperationsBryon Matthew Lewis Mar 18, 2024 to now³¹
Chief Information OfficerChad M. Mellon Apr 8, 2020 to Feb 2, 2021³²
Interim Chief ActuaryHarvey J. Waite Mar 7, 2019 to now³³
Vice President, OperationsAmanda L. Crews Aug 24, 2018 to Nov 19, 2019³⁴
Vice President, Chief ActuaryGregory S. Broer Jun 29, 2017 to Feb 20, 2018³⁵
VP, Chief Accounting OfficerJeffery P. Conklin Jun 29, 2017 to Feb 20, 2019³⁶
VP, Chief Marketing OfficerRobert M. Mauldin Iii. Jul 27, 2017 to now³⁷
General Manager of SubsidiaryDavid S. Jorgensen Nov 6, 2017 to Jan 23, 2018³⁸
Corporate SecretaryCheri D. Duncan Jun 9, 2015 to Sep 9, 2016³⁹
Vice President, EE RelationsDottie S. Riley May 28, 2010 to Aug 24, 2015⁴⁰
VP, Investor RelationsRandall H. Riley Jan 14, 2008 to Sep 28, 2015⁴¹
Vice President, Internal AuditKay E. Osbourn Apr 22, 2008 to Jan 20, 2010⁴²
Vice chairRick D. Riley Feb 9, 2007 to Jan 16, 2015⁴³
Asst. VP/Investment OfficerJoshua G. Arnold Sep 14, 2007 to Sep 23, 2008⁴⁴
Vice President, General CounseGeoffrey Martin Kolander Jul 13, 2006 to Jul 13, 2006⁴⁵
Vice President, Chief ActuaryJonathan Meyer Pollio Oct 4, 2006 to Jan 14, 2015⁴⁶
Vice President, AccountingThomas Frank Kopetic Oct 6, 2006 to Feb 12, 2007⁴⁷
Financial Reporting & TaxLarry E. Carson Jun 9, 2005 to Jan 22, 2010⁴⁸
SecretaryMarcia F. Emmons Jan 30, 2004 to Feb 2, 2006⁴⁹
VP, Chief Operations OfficerRay A. Riley Jul 23, 2003 to Sep 22, 2010⁵⁰
Board memberSean Samuel McLaughlin Jun 22, 2026 to now⁵¹
Board memberJon Stenberg Jun 18, 2025 to now⁵²
Board memberPeter M. Carlson Jun 20, 2025 to now⁵³
Board memberMichael Philip Harwood Nov 17, 2025 to now⁵⁴
Board memberCynthia H. Davis Aug 11, 2021 to now⁵⁵
Board memberMary Taylor Aug 11, 2021 to now⁵⁶
Board memberGeoffrey Martin Kolander Feb 19, 2020 to Aug 7, 2020⁵⁷
Board memberConstance K. Weaver Jun 21, 2018 to Jun 2, 2021⁵⁸
Board memberFrank A. Keating Feb 27, 2017 to Jun 7, 2024⁵⁹
Board memberGerald W. Shields Feb 27, 2017 to now⁶⁰
Board memberChristopher W. Claus Jun 13, 2017 to now⁶¹
Board memberJerry Dodd Davis Jr. Jun 13, 2017 to now⁶²
Board memberHarold E. Riley Dec 28, 2016 to Jan 13, 2017⁶³
Board memberTerry Sam Maness Feb 16, 2011 to now⁶⁴
Board memberDottie S. Riley Nov 7, 2008 to Jan 13, 2017⁶⁵
Board memberRobert B. Sloan Jr. Jun 18, 2007 to Jun 8, 2023⁶⁶
Board memberErrol Dean Gage Jan 30, 2004 to Jun 6, 2022⁶⁷
Board memberMark A. Oliver Jan 30, 2004 to Feb 28, 2007²¹
Board memberTimothy T. Timmerman Jan 30, 2004 to Feb 9, 2006⁶⁸
Board memberSteven F. Shelton Feb 13, 2004 to Feb 20, 2018⁶⁹
Board memberGrant Garland Teaff Jun 9, 2004 to Jun 5, 2019⁷⁰
Board memberRick D. Riley Aug 20, 2003 to Jan 16, 2015¹⁵
General counselSheryl L. Kinlaw Jul 28, 2021 to now⁷¹
General counselJames A. Eliasberg Feb 22, 2018 to May 11, 2021⁷²

Former names

CITIZENS INCDec 5, 1995 to Jun 5, 2019²

Timeline

Jul 12, 2024New chief executive Jon Stenberg becomes CEO¹¹
Jun 4, 2021New chief executive Gerald W. Shields becomes CEO¹²
Feb 20, 2018New chief executive Geoffrey Martin Kolander becomes CEO¹³
Feb 13, 2008New chief executive Harold E. Riley becomes CEO¹⁴
Aug 20, 2003New chief executive Rick D. Riley becomes CEO¹⁵

Recent filings

Oct 9, 20268-K
Sep 1, 20264
Aug 18, 20264
Aug 18, 20264
Aug 13, 20264
Aug 12, 20264
Aug 11, 20264
Aug 6, 20268-K
Aug 6, 202610-Q
Jul 16, 20264
Jun 22, 20263
Jun 22, 20264
Jun 22, 20264
Jun 22, 20264
Jun 22, 20264

Every filing from the last three years, summarized. The full record is on SEC EDGAR.¹

Sources

The numbers on this page point here. Each one links to the record it came from.

1
SEC EDGARCITIZENS, INC. filings on SEC EDGAR
2
SEC EDGARCITIZENS, INC. filings on SEC EDGAR
3
SEC EDGARCITIZENS, INC. 10-K for fiscal 2025
4
SEC EDGARCITIZENS, INC. 10-K for fiscal 2019
5
SEC EDGARCITIZENS, INC. 10-K for fiscal 2021
6
SEC EDGARCITIZENS, INC. 10-K for fiscal 2023
7
SEC EDGARCITIZENS, INC. 10-Q for fiscal 2026
8
SEC EDGARCITIZENS, INC. 10-Q for fiscal 2026
9
SEC EDGARCITIZENS, INC. 10-K for fiscal 2019
10
SEC EDGARCITIZENS, INC. 10-K for fiscal 2021
11
SEC EDGARJon Stenberg, Chief executive officer
12
SEC EDGARGerald W. Shields, Chief executive officer
13
SEC EDGARGeoffrey Martin Kolander, Chief executive officer
14
SEC EDGARHarold E. Riley, Chief executive officer
15
SEC EDGARRick D. Riley, Chief executive officer
16
SEC EDGARRick D. Riley, Chair
17
SEC EDGARHarold E. Riley, Chair
18
SEC EDGARJon Stenberg, President
19
SEC EDGARKay E. Osbourn, President
20
SEC EDGARRick D. Riley, President
21
SEC EDGARMark A. Oliver, President
22
SEC EDGARJeffery P. Conklin, Chief financial officer
23
SEC EDGARDavid S. Jorgensen, Chief financial officer
24
SEC EDGARKay E. Osbourn, Chief financial officer
25
SEC EDGARThomas Frank Kopetic, Chief financial officer
26
SEC EDGARLarry E. Carson, Chief financial officer
27
SEC EDGARTerry B. Festervand, Chief operating officer
28
SEC EDGARRay A. Riley, Chief operating officer
29
SEC EDGARSeth Alan Hoxworth, Chief Actuary
30
SEC EDGARPaula L. Guerrero, Chief Information Officer
31
SEC EDGARBryon Matthew Lewis, VP, Operations
32
SEC EDGARChad M. Mellon, Chief Information Officer
33
SEC EDGARHarvey J. Waite, Interim Chief Actuary
34
SEC EDGARAmanda L. Crews, Vice President, Operations
35
SEC EDGARGregory S. Broer, Vice President, Chief Actuary
36
SEC EDGARJeffery P. Conklin, VP, Chief Accounting Officer
37
SEC EDGARRobert M. Mauldin Iii., VP, Chief Marketing Officer
38
SEC EDGARDavid S. Jorgensen, General Manager of Subsidiary
39
SEC EDGARCheri D. Duncan, Corporate Secretary
40
SEC EDGARDottie S. Riley, Vice President, EE Relations
41
SEC EDGARRandall H. Riley, VP, Investor Relations
42
SEC EDGARKay E. Osbourn, Vice President, Internal Audit
43
SEC EDGARRick D. Riley, Vice chair
44
SEC EDGARJoshua G. Arnold, Asst. VP/Investment Officer
45
SEC EDGARGeoffrey Martin Kolander, Vice President, General Counse
46
SEC EDGARJonathan Meyer Pollio, Vice President, Chief Actuary
47
SEC EDGARThomas Frank Kopetic, Vice President, Accounting
48
SEC EDGARLarry E. Carson, Financial Reporting & Tax
49
SEC EDGARMarcia F. Emmons, Secretary
50
SEC EDGARRay A. Riley, VP, Chief Operations Officer
51
SEC EDGARSean Samuel McLaughlin, Board member
52
SEC EDGARJon Stenberg, Board member
53
SEC EDGARPeter M. Carlson, Board member
54
SEC EDGARMichael Philip Harwood, Board member
55
SEC EDGARCynthia H. Davis, Board member
56
SEC EDGARMary Taylor, Board member
57
SEC EDGARGeoffrey Martin Kolander, Board member
58
SEC EDGARConstance K. Weaver, Board member
59
SEC EDGARFrank A. Keating, Board member
60
SEC EDGARGerald W. Shields, Board member
61
SEC EDGARChristopher W. Claus, Board member
62
SEC EDGARJerry Dodd Davis Jr., Board member
63
SEC EDGARHarold E. Riley, Board member
64
SEC EDGARTerry Sam Maness, Board member
65
SEC EDGARDottie S. Riley, Board member
66
SEC EDGARRobert B. Sloan Jr., Board member
67
SEC EDGARErrol Dean Gage, Board member
68
SEC EDGARTimothy T. Timmerman, Board member
69
SEC EDGARSteven F. Shelton, Board member
70
SEC EDGARGrant Garland Teaff, Board member
71
SEC EDGARSheryl L. Kinlaw, General counsel
72
SEC EDGARJames A. Eliasberg, General counsel