Citizens (CIA)
NYSE:CIA
CIA Stock Chart & Stats
$4.58
-$0.20(-4.49%)
At close: 4:00 PM EST
$4.58
-$0.20(-4.49%)
Day’s Range― - ―
52-Week Range$2.90 - $6.40
Previous CloseN/A
Volume17.86K
Average Volume (3M)145.77K
Market Cap
$230.37M
Enterprise Value$232.58M
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 Cap1.01
Enterprise Value/Revenue0.91
Enterprise Value/Gross Profit2.57
Enterprise Value/Ebitda12.77
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.3
Revenue Forecast (FY)$260.26M
Bulls Say, Bears Say
Bulls Say
Conservative LeverageA conservative capital structure with low or no reported debt in 2025 supports financial flexibility across economic cycles, reducing default and refinancing risk. This durability enables the bank to invest in growth or absorb shocks without materially increasing funding costs or liquidity strain.
Diversified Revenue StreamsMultiple, complementary revenue channels (interest income, fees, mortgage lending, asset management and fintech partnerships) lower dependence on any single product or cycle, supporting steadier top-line performance and enabling cross-selling that strengthens customer relationships and long-term deposit/fee stability.
Recent ProfitabilitySustained positive net margins in recent years demonstrate the franchise can earn consistent profits from core businesses. While margins are below peak historical levels, current profitability supports internal capital generation and reinvestment, bolstering long-term viability if maintained.
Bears Say
Severe Cash Flow DeteriorationA very large decline in operating and free cash flow creates persistent execution risk: it constrains capital allocation, raises funding dependency, and weakens the safety margin for dividends or buybacks. Durability of earnings is questioned if cash conversion remains impaired.
Negative Revenue TrendA large negative revenue change indicates structural pressure on top-line sustainability or one-time revenue loss that could persist. Without consistent revenue recovery, margin maintenance and investment in growth initiatives become harder, risking longer-term competitive erosion.
Returns And Margin VolatilityDeclining ROE and historical volatility in returns suggest the bank faces challenges in efficiently deploying equity. Persistent margin variability undermines forecasting, may constrain investor confidence, and limits the firm’s ability to sustainably generate attractive shareholder returns.
Citizens News
CIA FAQ
What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was $2.90 and its highest was $6.40 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is $230.37M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is May 13, 2026 which is in 44 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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Analyst Consensus
Moderate Buy
Average Price Target:
― (―)
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Hedge Fund Trend
Decreased
By 1.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $48.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 2.7%
Last 30 Days ▼ 2.7%
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.
CIA Stock 12 Month Forecast
Average Price Target
―Technical Analysis
Ownership Overview
3.00% Insiders
8.70% Mutual Funds
6.63% Other Institutional Investors
73.22% Public Companies and
Individual Investors