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CIA Stock Chart & Stats
$4.84
-$0.08(-1.63%)
At close: 4:00 PM EDT
$4.84
-$0.08(-1.63%)
Day’s Range― - ―
52-Week Range$3.56 - $6.54
Previous Close$4.84
Volume116.67K
Average Volume (3M)145.77K
Market Cap
$198.52M
Enterprise Value$289.99
Total Cash (Recent Filing)$31.87M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)16.6
Beta1.05
Next Earnings
Nov 05, 2026EPS Estimate
0.03Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.23
Shares Outstanding50,643,110
10 Day Avg. Volume97,947
30 Day Avg. Volume145,770
Financial Highlights & Ratios
PEG Ratio2.25
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$258.28M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetEssentially no debt and rising equity create a durable financial cushion, lowering solvency risk and preserving flexibility. This conservative capital structure supports continued lending, absorbs cyclical credit losses, and enables strategic investment without reliance on volatile external financing.
High Earnings-to-cash ConversionStrong conversion of earnings into cash demonstrates high earnings quality and reliable internal funding. Consistent operating cash inflows support dividends, reinvestment, and balance-sheet management over time, reducing dependence on capital markets during stress and enhancing long-term resilience.
Governance Continuity And Incentive AlignmentClear shareholder backing for the board, auditor, and an updated incentive plan signals stable leadership and alignment between management and investors. Governance continuity and incentivized management can support consistent strategy execution and disciplined capital allocation over the medium term.
Bears Say
Falling Net MarginsA sustained decline in net margin reduces return on capital and compresses profitability even if revenues hold. If driven by narrower loan spreads or higher funding costs, margin erosion can persist across interest-rate cycles and constrain ability to rebuild capital or expand higher-return businesses.
Stagnant Revenue TrajectoryFlat-to-dipping revenue limits operating leverage and makes margin recovery harder to achieve. Without sustained loan and fee growth, scale benefits are muted, constraining earnings growth and making the bank more reliant on margin expansion or cost cuts to improve profitability.
Softening Cash-flow MomentumA notable decline in free cash flow and weaker operating cash flow momentum reduces internal funding for lending, investment, or capital returns. If the trend persists, it can force greater reliance on retained earnings improvement or external funding to drive growth or meet obligations.
Citizens News
CIA FAQ
What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was $3.56 and its highest was $6.54 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is $198.52M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is Nov 05, 2026 which is in 83 days.
How were Citizens’s earnings last quarter?
Citizens released its earnings results on Aug 06, 2026. The company reported $0.01 earnings per share for the quarter, missing the consensus estimate of $0.07 by -$0.06.
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 0.03.
How many shares outstanding does Citizens have?
Citizens has 50,643,110 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Citizens reported an EPS of $0.01 in its last earnings report, missing expectations of $0.07. Following the earnings report the stock price went down -16.849%.
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
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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 $311.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.24%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
1.98%
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
2.46% Insiders
8.65% Mutual Funds
6.52% Other Institutional Investors
72.86% Public Companies and
Individual Investors