Citizens (CIA)
NYSE:CIA
Want to see CIA full AI Analyst Report?
CIA Stock Chart & Stats
$5.36
-$0.20(-4.49%)
At close: 4:00 PM EST
$5.36
-$0.20(-4.49%)
Day’s Range― - ―
52-Week Range$3.25 - $6.40
Previous CloseN/A
Volume17.86K
Average Volume (3M)145.77K
Market Cap
$261.87M
Enterprise Value$243.85M
Total Cash (Recent Filing)$18.52M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)14.0
Beta1.25
Next Earnings
Jul 30, 2026EPS Estimate
0.07Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.37
Shares Outstanding50,553,562
10 Day Avg. Volume97,947
30 Day Avg. Volume145,770
Financial Highlights & Ratios
PEG Ratio2.24
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue0.94
Enterprise Value/Gross Profit2.68
Enterprise Value/Ebitda10.94
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$260.93M
Bulls Say, Bears Say
Bulls Say
Conservative Leverage / No TTM DebtCitizens reports very low debt historically and no debt in the trailing twelve months, providing durable financial flexibility. Low leverage reduces insolvency risk, supports countercyclical capital deployment for claims or acquisitions, and preserves capacity to absorb underwriting volatility over months.
Cash Generation Largely Backs EarningsFree cash flow tracking net income indicates earnings are largely cash-backed, which supports reserve funding, reinvestment in the business, and shareholder distributions. This stable cash conversion underpins durable operational credibility and funds strategic actions without immediate reliance on external financing.
Positive Top-line Growth TrendReported revenue growth near 7% reflects steady demand for life insurance products across U.S. and international segments. Sustainable mid-single-digit growth supports scale benefits, diversification of premium streams, and the ability to progressively rebuild margins or invest in distribution over the medium term.
Bears Say
Margin CompressionMeaningful compression in gross and net margins signals underwriting or pricing pressure and/or rising costs. Sustained margin erosion reduces free surplus accumulation and return on equity, constrains underwriting flexibility, and could limit the firm’s ability to fund growth or absorb adverse mortality or persistency trends over several quarters.
Volatile / Negative Free Cash Flow GrowthVolatility and recent negative FCF growth weaken predictability of internal funding for claims, reserves, and strategic investments. Irregular cash expansion complicates capital planning, may force greater reliance on management discretion for payouts, and raises the risk that shortfalls impair underwriting or product development over the medium term.
Data Irregularities Limit Balance-sheet ClarityMissing TTM total assets create uncertainty about asset size and composition, impeding assessment of reserve adequacy and asset-liability matching. This reduces confidence in leverage and capital metrics, increasing model risk and making it harder to judge the sustainability of reported revenue or margin moves in the near to medium term.
Citizens News
CIA FAQ
What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was $3.25 and its highest was $6.40 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is $261.87M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is Jul 30, 2026 which is in 52 days.
How were Citizens’s earnings last quarter?
Citizens released its earnings results on May 13, 2026. The company reported $0.03 earnings per share for the quarter, the consensus estimate of $0.03 by $0.
Is Citizens overvalued?
According to Wall Street analysts Citizens’s price is currently Overvalued.
Does Citizens pay dividends?
Citizens does not currently pay dividends.
What is Citizens’s EPS estimate?
Citizens’s EPS estimate is 0.07.
How many shares outstanding does Citizens have?
Citizens has 50,553,562 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Citizens reported an EPS of $0.03 in its last earnings report, expectations of $0.03. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Citizens?
Currently, no hedge funds are holding shares in CIA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 5.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $332.4K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.24%
12-Months-Change
Fundamentals
Return on Equity
7.96%
Trailing 12-Months
Asset Growth
1.91%
Trailing 12-Months
Company Description
Citizens
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
Technical Analysis
Ownership Overview
2.51% Insiders
8.68% Mutual Funds
7.28% Other Institutional Investors
72.85% Public Companies and
Individual Investors