Overview

* Citizens Q2 revenue of $65.1 mln beats analyst expectations, per LSEG data

* Net income rises to $6.5 mln from $4.0 mln in Q2 2024

* Co's direct insurance in force hits record $5.35 bln, up 4.4% yr/yr

Outlook

* Citizens expects revenue and profit growth for full year 2026

* Company highlights competitive advantages in expanding niche markets globally

* Citizens sees positive outlook supported by robust global business model

Result Drivers

* AGENT EXPANSION - Global network of producing agents increased by 53% since June 2024, boosting sales

* NEW PRODUCTS - Highest-ever total direct insurance in force of $5.35 bln driven by new product sales

* PREMIUM GROWTH - Direct first-year life and A&H premiums rose 20% in Q2 2025 compared to year-ago quarter

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q2 Beat $65.10 $62.70

Revenue mln mln (2

Analysts

)

Q2 Net $6.50

Income mln

Analyst Coverage

* The one available analyst rating on the shares is "strong buy"

* The average consensus recommendation for the life & health insurance peer group is "buy."

* Wall Street's median 12-month price target for Citizens Inc ( CIA ) is $5.50, about 23.8% above its August 6 closing price of $4.19

* The stock recently traded at 14 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release:

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)