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StockMarketAgent
Financials / Insurance - LifeUpdated 2026-05-10 22:07 UTC

CIA stock hub

Citizens, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint
n/a
Fair value pending
Upside to midpoint
n/a
Based on latest report
Confidence
n/a
Data quality and model convergence
Market cap
264.9M
NYSE
Market data

Live price

Current market quote for this ticker.

Current price
CIA
In the news

Latest news · CIA

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E16.4
P25 8.8P50 10.4P75 13.1
Trailing P/E15.1
P25 10.9P50 14.7P75 36.2
ROE8.1
P25 4.9P50 10.4P75 15
ROIC6.1
P25 -1.3P50 6.6P75 12.7
Benchmarks - 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
Indicator catalog

All CIA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields
235
Groups with data
11
Currency
USD
Showing 235 of 235 available metrics for this ticker.

Profile and market data

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

24
MetricValue
Cik
0000024090
Company name
Citizens, Inc.
Country
United States
Country code
US
Cusip
174740100
Employees
246
Employees Change
-4%
Employees Change Percent
-1.6
Enterprise value
$247.9M
Exchange
NYSE
Financial currency
USD
First seen
2026-05-09
Industry
Insurance - Life
Isin
US1747401008
Last refreshed
2026-05-10
Market cap
$264.9M
Market cap category
Micro-Cap
Price
$5.24
Price currency
USD
Rev Per Employee
1,055,626.02x
Sector
Financials
Sic
6311
Symbol
CIA
Website
https://www.citizensinc.com

Valuation

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

15
MetricValue
Earnings Yield
6.98%
EV Earnings
13.41x
EV Sales Forward
0.94x
EV/EBIT
11.46x
EV/EBITDA
11.08x
EV/FCF
14.14x
EV/Sales
0.95x
FCF yield
6.62%
Forward P/E
16.38x
P/B ratio
1.11x
P/E ratio
15.13x
P/S ratio
1.02x
PE Ratio3 Y
11.42x
PE Ratio5 Y
99.82x
PS Forward
1.01x

Profitability

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

22
MetricValue
EBIT Margin
8.33%
EBITDA Margin
8.62%
FCF margin
6.75%
Gross margin
29.02%
Gross Profit
$75.4M
Net Income
$18.5M
Net Income Growth
-2.15%
Net Income Growth Q
102.65%
Net Income Growth Quarters
1%
Net Income Growth Years
0%
Net Income Growth3 Y
-17.52%
Pretax Margin
8.33%
Profit Margin
7.12%
Profit Per Employee
$75,130
Profitable Years
5
ROA
0.79
Roa5y
0.93
ROCE
1.32
ROE
8.09
Roe5y
13.13
ROIC
6.14
Roic5y
11.18

Growth

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

26
MetricValue
Cagr10y
-3.59%
Cagr15y
-1.68%
Cagr1y
37.56%
Cagr20y
-0.03%
Cagr3y
44.4%
Cagr5y
-1.67%
EPS Growth
-3.45
EPS Growth Q
99.5
EPS Growth Quarters
1
EPS Growth Years
0
EPS Growth3 Y
-18.18
FCF Growth
-43.88%
FCF Growth Q
-16.16%
FCF Growth3 Y
-32.42%
FCF Growth5 Y
-18.45%
OCF Growth
-43.65%
OCF Growth Q
-15.99%
OCF Growth10 Y
-14.6%
OCF Growth3 Y
-31.89%
OCF Growth5 Y
-18.11%
Revenue Growth
4.33x
Revenue Growth Q
13.54x
Revenue Growth Quarters
3x
Revenue Growth Years
3x
Revenue Growth3 Y
3.21x
Revenue Growth5 Y
1.37x

Financial strength

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

14
MetricValue
Asset Turnover
$0.15
Assets
$1.7B
Cash
$17M
Equity
$238.7M
Liabilities
$1.5B
Net Cash
$17M
Net Cash By Market Cap
$6.4
Net Cash Growth
-49.26%
Net Debt EBITDA
$-0.76
Net Debt Equity
$-0.07
Net Debt FCF
$-0.97
Tangible Book Value
$238.7M
Tangible Book Value Per Share
$4.74
WACC
7

Liquidity

Current-asset coverage and working-capital efficiency metrics.

4
MetricValue
Current ratio
0.65
Net Working Capital
$-50.3M
Quick ratio
0.3
Working Capital
$-33.3M

Dividends and buybacks

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

4
MetricValue
Buyback Yield
-1.4%
Dividend per share
$0
Dividend Yield
0%
Last Dividend
$0.1

Performance and technicals

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

39
MetricValue
10Y total return
-30.6%
1Y total return
37.53%
200-day SMA
5.33
3Y total return
201.15%
50-day SMA
5.22
50-day SMA vs 200-day SMA
50under200
5Y total return
-8.07%
All Time High
37.82
All Time High Change
-86.14%
All Time High Date
1988-10-11
All Time Low
1.55
All Time Low Change
238.06%
All Time Low Date
1989-02-08
ATR
0.28
Beta
0.5
Beta1y
1.16
Beta2y
1.33
Ch YTD
8.49
High
5.54
High52
6.4
High52 Date
2026-02-18
High52ch
-18.18%
Low
5.03
Low52
3.25
Low52 Date
2025-07-16
Low52ch
61.48%
Ma50ch
0.31%
Price vs 200-day SMA
-1.73%
RSI
44.66
RSI Monthly
56.02
RSI Weekly
49.56
Sharpe ratio
0.79x
Sortino ratio
1.22
Total Return
-1.4%
Tr YTD
8.49
Tr15y
-22.49%
Tr1m
0.38%
Tr1w
-2.6%
Tr3m
-12.37%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

5
MetricValue
Earnings EPS Estimate
$0.05
Earnings Revenue Estimate
61,168,400x
Earnings Revenue Estimate Growth
9.91x
Operating Income
$21.6M
Operating margin
8.33

Ownership and float

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

10
MetricValue
Float
45,173,972%
Float Percent
89.36%
Shares Insiders
2.49%
Shares Institutions
28.29%
Shares Out
50,553,564
Shares Qo Q
0.07%
Shares Yo Y
1.4%
Short Float
8.37%
Short Ratio
33.75
Short Shares
7.48

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

72
MetricValue
Adjusted FCF
$14.9M
Average Volume
76,904.8x
Bv Per Share
4.74
CAPEX
$-666,000
Ch10y
-30.6
Ch15y
-22.49
Ch1m
0.38
Ch1w
-2.6
Ch1y
37.53
Ch20y
-0.57
Ch3m
-12.37
Ch3y
201.1
Ch5y
-8.07
Ch6m
-13.82
Change
-7.42%
Change From Open
-5.42
Close
5.66
Days Gap
-2.12
Dollar Volume
503,244.4
Earnings Date
2026-05-22
Earnings Time
amc
EBIT
$21.6M
EBITDA
$22.4M
EPS
$0.35
F Score
4
FCF
$17.5M
FCF EV Yield
7.07x
FCF Per Share
$0.35
Financing CF
-5,083,000
Fiscal Year End
December
Founded
1,969
Graham Number
6.07901
Graham Upside
16.01
Income Tax
$3.1M
Investing CF
-11,667,000
Is Primary Listing
1
Is Spac
No
Last Earnings Date
2026-03-12
Last Report Date
2025-12-31
Last Split Date
2005-12-13
Last Split Type
Forward
Last10k Filing Date
2026-03-12
Lynch Fair Value
$1.73
Lynch Upside
-66.95
Ma150
5.43
Ma150ch
-3.43%
Ma20
5.53
Ma20ch
-5.3%
Net CF
165,000
Next Earnings Date
2026-05-22
Open
5.54
Optionable
Yes
P FCF Ratio
15.1
P OCF Ratio
15.66
Position In Range
41.18
Post Close
5.24
Postmarket Change Percent
-5.34
Postmarket Price
$4.96
Ppne
9,835,000
Price Date
2026-05-08
Price EBITDA
$11.84
Ptbv Ratio
1.11
Relative Volume
1.25x
Revenue
259,684,000x
SBC By Revenue
1.03x
Share Based Comp
2,678,000
Tax By Revenue
1.21x
Tax Rate
14.56%
Tr20y
-0.57%
Tr6m
-13.82%
Us State
Texas
Volume
96,039
Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate
n/a
Named kill scenarios are reviewed before any bullish rating can stand.
Moat score
n/a
Business quality stays separate from stock attractiveness.
Forward P/E
n/a
Valuation uses the full report model stack, not a single multiple.
Next action
Research pending
Final action steps are kept in the recommendation tab.
Income

Does CIA pay a dividend?

Capital-return profile for this ticker.

Performance

CIA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

1Y total return
+37.5%
S&P 500 1Y: n/a
3Y total return
+201.1%
S&P 500 3Y: n/a
5Y total return
-8.1%
S&P 500 5Y: n/a
10Y total return
-30.6%
S&P 500 10Y: n/a
Ownership

Who owns CIA?

Insider, institutional, and short-interest positioning.

Institutional ownership
+28.3%
Float: +89.4% of shares outstanding
Insider ownership
+2.5%
Stake held by company insiders. Higher generally signals alignment.
Short interest
+8.4%
33.8 days to cover
Y/Y dilution
+1.4%
Negative means the company is buying back shares.
Technical

CIA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)
44.7
Neutral momentum band
Price vs 200-day MA
-1.7%
50/200-day relationship not available
Beta (5Y)
0.50
Less volatile than the market
Sharpe ratio
0.79
Risk-adjusted return — higher is better; >1.0 is solid.
Peers

CIA vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

TickerNameMarket capP/EP/SROIC5Y rev CAGR1Y total returnRating
AXPAmerican Express Company215.6B19.7x3.1x11.5%+15.5%+15.6%Сокращать
BACBank of America Corporation364.1B12.7x3.3x—+6.3%+28.2%Сокращать
BKThe Bank of New York Mellon Corporation89.6B16.2x4.3x—+6.0%+58.4%Сокращать
Questions

About CIA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current CIA stock rating?

Citizens, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CIA analysis?

The full report lives at /stocks/CIA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for CIA?

The latest report frames CIA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the CIA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.