Citizens, Inc. (CIA)

NYSE: CIA · USD

$3.81

+0.09 (+2.4%)· Recorded snapshot

Market cap	193M
Revenue (ttm)	255M
Net income (ttm)	11.6M
EPS (ttm)	$0.22
Shares out	50.6M
P/E (trailing)	17.4x
P/E (forward)	16.0x
Volume	57,179
Beta	0.47

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 255M
Net income (ttm): 11.6M
EPS (ttm): $0.22
P/E (trailing): 17.4x
P/E (forward): 16.0x
Market cap: 193M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E16

P25 n/aP50 n/aP75 n/a

Trailing P/E17.4

P25 n/aP50 n/aP75 n/a

ROE5

P25 n/aP50 n/aP75 n/a

ROIC4.9

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CIA indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

USD

Showing 247 of 247 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000024090
Company name	Citizens, Inc.
Country	United States
Country code	US
CUSIP number	174740100
Earnings date	2026-11-09
Earnings time	amc
Employees	246
Employees change	-4
Employees growth	-1.6%
Enterprise value	$177.5M
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1969
In index	RUSSELL2000
Industry	Insurance - Life
Is primary listing	Yes
Is SPAC	No
ISIN number	US1747401008
Last 10-K release date	2026-03-12
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2005-12-13
Last stock split type	Forward
Market cap	$193M
Market cap category	Micro-Cap
Next earnings date	2026-11-09
Options	Yes
Price	$3.81
Price currency	USD
Sector	Financials
SIC code	6311
Stock price date	2026-10-28
Symbol	CIA
U.S. state	Texas
Website	https://www.citizensinc.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	17.32x
Average P/E ratio (10Y)	279.97x
Average P/E ratio (3Y)	13.66x
Average P/E ratio (5Y)	91.77x
Earnings yield	5.76%
EV/Earnings	15.18x
EV/EBIT	12.41x
EV/EBITDA	11.78x
EV/FCF	11.76x
EV/Sales	0.69x
FCF / EV yield	8.5%
FCF yield	7.82%
Forward EV/Sales	0.67x
Forward P/E	15.96x
Forward P/S	0.72x
Graham number	4.78945
Graham upside	26.71%
Industry forward P/E	9.92x
Industry P/E	12.39x
Lynch fair value	$1.10
Lynch upside	-70.96%
P/(FCF - SBC) ratio	14.75x
P/(OCF - SBC) ratio	14.17x
P/B ratio	0.8x
P/E ratio	17.35x
P/FCF ratio	12.79x
P/OCF ratio	12.36x
P/S ratio	0.75x
Price / tangible book value	0.81x
Price/EBITDA ratio	12.82x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	5.56%
EBITDA margin	5.86%
Effective tax rate	18.25%
FCF margin	5.87%
Gross margin	26.88%
Operating margin	5.56%
Pretax margin	5.56%
Profit margin	4.55%
Profit per employee	$47,146
Profitable years	5
Revenue per employee	$1M
ROA	0.51%
ROA (5Y)	0.93%
ROCE	0.86%
ROE	5%
ROE (5Y)	13.13%
ROIC	4.9%
ROIC (5Y)	11.2%
SBC / revenue	0.78%
Tax / revenue	1.02%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-0.18%
EPS growth 3Y	-26.45%
EPS growth years	0
FCF growth	-37.65%
FCF growth (Q)	-38.92%
FCF growth 3Y	-31.54%
FCF growth 5Y	-11.96%
Net income growth	3.12%
Net income growth 3Y	-25.51%
Net income growth years	0
OCF growth	-37.43%
OCF growth (Q)	-41.01%
OCF growth 10Y	-16.17%
OCF growth 3Y	-30.81%
OCF growth 5Y	-11.94%
Revenue growth	3.69%
Revenue growth (Q)	-7.19%
Revenue growth (QoQ)	1.15%
Revenue growth 10Y	0.77%
Revenue growth 3Y	2.35%
Revenue growth 5Y	0.9%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-525,000
EBIT	$14.2M
EBITDA	$14.9M
EPS	$0.22
FCF per share	$0.30
Financing cash flow	$-1.7M
Free cash flow	$15M
Free cash flow minus SBC	$13M
Gross profit	$68.5M
Income taxes	$2.6M
Investing cash flow	$-19.5M
Net cash flow	$-5.7M
Net income	$11.6M
Operating cash flow minus SBC	$13.5M
Operating income	$14.2M
Revenue	$255M
Stock-based compensation	$2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$4.64
Debt / equity	0
Net cash (debt)	$15.4M
Net cash / market cap	8.05%
Net cash growth	-27.04%
Net debt / EBITDA	-1.03
Net debt / equity	-0.07
Net debt / FCF	-1.03
Piotroski F-Score	5
Property, plant and equipment	$9.2M
Shareholders' equity	$235.2M
Tangible book value	$235.2M
Tangible book value per share	$4.64
Total assets	$1.8B
Total cash	$15.4M
Total debt	$0
Total liabilities	$1.5B
WACC	6.81%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.15
Current ratio	0.64
Net working capital	$-50M
Quick ratio	0.27
Working capital	$-34.6M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.08%
Dividend growth (3Y)	0%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.10
Shareholder yield	-2.08%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-50.58%
10Y return CAGR	-6.81%
10Y total return	-50.58%
150-day SMA	$4.70
15Y price change	-51.28%
15Y return CAGR	-4.68%
15Y total return	-51.28%
1D price change	2.42%
1M price change	6.13%
1M total return	6.13%
1W price change	6.13%
1W total return	6.13%
1Y price change	-30.47%
1Y return CAGR	-30.49%
1Y total return	-30.47%
20-day SMA	$3.53
200-day SMA	$4.88
20Y price change	-37.44%
20Y return CAGR	-2.32%
20Y total return	-37.44%
3M price change	-22.4%
3M total return	-22.4%
3Y price change	24.92%
3Y return CAGR	7.7%
3Y total return	24.92%
50-day SMA	$3.64
50-day SMA vs 200-day SMA	50under200
52-week high	$6.54
52-week high date	2026-06-26
52-week low	$3.31
52-week low date	2026-10-14
5Y price change	-40%
5Y return CAGR	-9.71%
5Y total return	-40%
6M price change	-32.21%
6M total return	-32.21%
All-time high	$37.82
All-time high date	1988-10-11
All-time low	$1.55
All-time low date	1989-02-08
Average true range (ATR)	$0.16
Average volume	104.1K
Beta (1Y)	0.07
Beta (2Y)	1.1
Beta (5Y)	0.47
Change from 52-week high	-41.74%
Change from 52-week low	15.11%
Change from all-time high	-89.93%
Change from all-time low	145.81%
Change from open	2.42%
Day's gap	0%
Dollar volume	$217,852
High price	$3.81
Low price	$3.72
Monthly RSI	45.1
Open price	$3.72
Position in 52-week range	100%
Premarket change	10.53%
Premarket close	$3.72
Premarket price	$4.11
Previous close	$3.72
Price vs 150-day SMA	-18.87%
Price vs 20-day SMA	7.93%
Price vs 200-day SMA	-21.88%
Price vs 50-day SMA	4.73%
Relative volume	0.55
RSI	62.06
Sharpe ratio	-0.54
Sharpe ratio (3Y)	0.33
Sharpe ratio (5Y)	0.06
Sortino ratio	-0.59
Sortino ratio (3Y)	0.56
Sortino ratio (5Y)	0.18
Volume	57.2K
Weekly RSI	41.85
YTD price change	-21.12%
YTD total return	-21.12%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	45.1M
Float percentage	89.11%
Shares change (QoQ)	0.47%
Shares change (YoY)	2.08%
Shares held by insiders	2.75%
Shares held by institutions	30.54%
Shares outstanding	50.6M
Short % of float	9.8%
Short % of shares	8.73%
Short ratio	34.5 days

Deeper analysis on CIA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this CIA report

Is a complete CIA research report available?

No complete published report is available for Citizens, Inc. (CIA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Citizens, Inc. (CIA)

Price

Financial snapshot

Fair-value bridge

Latest news · CIA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CIA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CIA

Frequently asked questions