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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 - $6.54
Previous CloseN/A
Volume17.86K
Average Volume (3M)145.77K
Market Cap
$322.53M
Enterprise Value$268.62M
Total Cash (Recent Filing)$37.38M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)16.6
Beta1.22
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 Ratio2.25
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap0.83
Enterprise Value/Revenue1.04
Enterprise Value/Gross Profit2.95
Enterprise Value/Ebitda12.05
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 LeverageVery low reported debt and a conservative leverage profile provide durable financial flexibility for a bank: capacity to absorb credit shocks, support lending during downturns, and maintain capital for regulatory buffers without immediate external funding reliance.
Consistent Cash GenerationFree cash flow tracking close to net income across periods indicates earnings are largely backed by cash. Sustained cash conversion supports reinvestment, loan book funding, and potential shareholder distributions while reducing reliance on volatile market financing.
Governance Continuity And AlignmentStrong shareholder support for directors, auditor ratification and an incentive plan signals stable governance and management-shareholder alignment. This continuity reduces strategic execution risk and helps ensure consistent long-term decision-making and incentive alignment.
Bears Say
Margin CompressionSustained compression in gross and net margins erodes structural earnings power for a bank reliant on net interest margin. Unless offset by higher volumes, fee growth, or cost reduction, margin pressure reduces ROE and limits capacity to build capital organically over time.
Volatile Free Cash Flow GrowthIntermittent and negative FCF growth increases uncertainty around durable cash available for lending growth, investments or shareholder returns. Volatility suggests sensitivity to working-capital timing or one-offs, complicating long-term capital allocation and stress planning.
Data Irregularities / Transparency LimitsMissing recent total assets and reporting inconsistencies hinder reliable assessment of leverage, asset growth and credit exposure trends. Reduced transparency raises model risk and makes it harder to monitor structural balance-sheet health and regulatory capital adequacy over time.
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 $6.54 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is $322.53M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is Jul 30, 2026 which is in 30 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
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Hedge Fund Trend
Decreased
By 5.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $284.4K 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
2.33% Insiders
8.66% Mutual Funds
7.28% Other Institutional Investors
72.85% Public Companies and
Individual Investors