Citizens (CIA)
NYSE:CIA
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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
$271.12M
Enterprise Value$283.39M
Total Cash (Recent Filing)$21.95M
Total Debt (Recent Filing)$7.87M
Price to Earnings (P/E)16.6
Beta1.32
Next Earnings
May 13, 2026EPS Estimate
0.05Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.11
Shares Outstanding50,299,740
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 Cap1.05
Enterprise Value/Revenue1.11
Enterprise Value/Gross Profit3.13
Enterprise Value/Ebitda15.56
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$260.26M
Bulls Say, Bears Say
Bulls Say
Conservative LeverageLow reported debt and a conservative leverage profile offer durable financial flexibility for an insurer. This reduces insolvency and refinancing risk, supports regulatory capital ratios, and preserves capacity to underwrite policies or absorb elevated claims without near-term capital markets dependence.
Stable Recent ProfitabilityConsistent positive net margins in recent years indicate resilient underwriting and pricing discipline. Sustained profitability supports reserve funding, organic capital accumulation, and distributor relationships, providing a stable earnings base that remains relevant for the next several quarters.
Board Action To Retain CEOThe board’s decision to raise executive pay is a structural retention move that reduces leadership turnover risk. Continuity at the CEO level preserves strategic execution, distributor and partner relationships, and institutional knowledge important for multi‑quarter initiatives in insurance operations.
Bears Say
Weakening Cash GenerationA dramatic drop in operating and free cash flow materially weakens the firm's ability to self‑fund claims, reserve growth, and strategic initiatives. Reduced cash conversion increases reliance on capital markets or asset dispositions and raises sustainability concerns over upcoming reporting periods.
Declining Return On Equity And VolatilityFalling ROE signals reduced efficiency in converting equity into profits, implying underwriting, pricing, or investment headwinds. Persistent lower returns constrain capital generation, limit reinvestment capacity, and make meeting growth targets harder without operational improvement or capital raises.
Modest And Uneven Revenue GrowthModest top‑line growth and prior revenue declines point to limited organic expansion and potential sensitivity to distribution or competitive pressures. Weak revenue momentum can magnify margin volatility and reduce the leverage of fixed costs over the medium term, constraining durable earnings growth.
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 $271.12M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is May 13, 2026 which is in 24 days.
How were Citizens’s earnings last quarter?
Citizens released its earnings results on Mar 12, 2026. The company reported $0.11 earnings per share for the quarter, beating the consensus estimate of $0.08 by $0.03.
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 0.05.
How many shares outstanding does Citizens have?
Citizens has 50,299,740 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Citizens reported an EPS of $0.11 in its last earnings report, beating expectations of $0.08. Following the earnings report the stock price went down -6.531%.
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
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Hedge Fund Trend
Decreased
By 1.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $283.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 3.1%
Last 30 Days ▼ 2.9%
Last 30 Days ▼ 2.9%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.24%
12-Months-Change
Fundamentals
Return on Equity
6.43%
Trailing 12-Months
Asset Growth
3.90%
Trailing 12-Months
Company Description
Citizens
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
Technical Analysis
Ownership Overview
2.50% Insiders
8.68% Mutual Funds
6.63% Other Institutional Investors
73.71% Public Companies and
Individual Investors