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Citizens, Inc. (CIA)

3.7200 +0.1000 (+2.76%)
At close: November 2 at 4:00:03 PM EST
3.7200 0.0000 (0.00%)
After hours: November 2 at 4:01:50 PM EST
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  • Previous Close 3.6200
  • Open 3.6600
  • Bid --
  • Ask --
  • Day's Range 3.5200 - 3.7900
  • 52 Week Range 3.3100 - 6.5400
  • Volume 132,550
  • Avg. Volume 131,512
  • Market Cap (intraday) 188.392M
  • Beta (5Y Monthly) 0.44
  • PE Ratio (TTM) 16.91
  • EPS (TTM) 0.2200
  • Earnings Date (est.) Nov 5, 2026
  • Forward Dividend & Yield -- (0.00%)
  • 1y Target Est 5.25
  • Zacks Rating Neutral

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

www.citizensinc.com

243

Full Time Employees

December 31

Fiscal Year Ends

Insurance - Life

Industry

Recent News

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Performance Overview

Trailing total returns as of 11/2/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

CIA
22.98%
S&P 500 (^GSPC)
10.17%

1-Year Return

CIA
33.21%
S&P 500 (^GSPC)
10.25%

3-Year Return

CIA
21.17%
S&P 500 (^GSPC)
74.66%

5-Year Return

CIA
42.33%
S&P 500 (^GSPC)
62.86%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 60.41M
Earnings -425k
Profit Margin -0.70%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
20M
40M
60M
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%

Analyst Insights

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Analyst Price Targets

5.00
5.25 Average
3.7200 Current
5.50 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 8/24/2026
Analyst Freedom Broker
Rating Action Initiated
Rating Buy
Price Action Announces
Price Target 5.5

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    4.55%

  • Return on Assets (ttm)

    0.51%

  • Return on Equity (ttm)

    5.00%

  • Revenue (ttm)

    255.01M

  • Net Income Avi to Common (ttm)

    11.6M

  • Diluted EPS (ttm)

    0.2200

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    15.41M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    9.61M

Company Insights

Research Reports

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