Citizens FY2024 revenue $245M (+2%), net income $14.9M; insurance issued jumps 54% to $1.1B

CITIZENS, INC.

FY2024 total revenues $245.0M vs $240.7M in 2023; adjusted revenues $247.6M vs $239.9M.
Net income $14.9M ($0.29/diluted share) vs $24.4M ($0.48) in 2023; adjusted income before tax $21.3M vs $26.6M.
Insurance issued $1.1B in 2024 (+54%); record total direct insurance in force $5.2B.
Direct first year life & A&H premiums up 70% in FY2024 and 84% in Q4; ninth consecutive quarterly growth.
Book value per Class A share $4.21 (+21%); ex-AOCI $6.14 (+5%). No debt; cash from ops $31.9M.

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