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Citizens, Inc. CIA R2KFINANCIAL

Financial Services · Insurance - Life · United States
https://www.citizensinc.com
Company Profile ↓
$3.60
-29.96% 1Y
Mkt Cap$182.32M
P/E16.36
P/B0.75
52W High$6.38
52W Low$3.37
Book Value$4.64
EPS (TTM)$0.22

Company Overview

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 16.4.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $255.62M (+4.3% YoY); net profit $14.59M.
  • Trailing 12 Months Year-on-year growth — revenue -7.2%, earnings -2.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 1.9%, profit CAGR -1.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:1.91%
1 Year:-7.20%

Compounded Profit Growth

5 Years:-1.07%
1 Year:-2.15%

Stock Price Performance

1 Year:-29.96%
6 Months:-36.95%
3 Months:-26.68%
1 Month:-0.28%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 8% of range
$3.37 $6.38
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)51.70 · Neutral
Price Performance
1M-0.28%
3M-26.68%
6M-36.95%
1Y-29.96%
Valuation vs Sector

P/E of 16.36 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.

CONS

  • Earnings shrank at -1.1% CAGR over 5 years.
  • Trading 43.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
16.36
Industry PE
13.55
Forward P/E
18.00
PEG Ratio
1.21
Book Value
$4.64
Price to Book
0.75
P/S
0.69
EV/EBITDA
10.73
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
1.91%
Profit 5Y
-1.07%
Revenue (YoY)
-7.20%
Earnings (YoY)
-2.15%

Profitability & Returns

ROCE
-
ROE
5.00%
ROA
0.51%
Profit Margin
4.55%
Op Margin
-0.88%
Gross Margin
26.88%
EPS (Latest Qtr)
$0.04
EPS (TTM)
$0.22

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
0.27
Current Ratio
0.64
Debt
$0
Total Assets
$1.75B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.56%
Chg in Prom Hold
0.02%
FII / Inst Holding
30.57%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$182.32M
Total Revenue (TTM)
$255.01M
EBITDA
$14.94M
Free Cash Flow
$9.61M
Operating Cash Flow
$15.49M
Shares Outstanding
50.64M
Gross Margin
26.88%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CIA Citizens, Inc. R2KFINANCIAL 3.60 16.36 $182.32M 0.00% - 5.00% 1.91% -1.07%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 61.74M67.90M59.58M60.85M64.33M67.86M57.43M59.84M61.16M65.57M62.41M56.87M61.47M69.81M55.72M58.34M59.83M64.97M55.48M63.56M61.58M69.92M55.36M53.73M56.18M67.26M55.91M58.53M59.39M66.85M57.71M62.08M61.73M63.47M55.65M65.09M62.81M72.07M59.72M60.41M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------------
Pretax Income -----------------------------------1.79M6.91M4.48M7.86M2.37M-
Tax Provision -----------------------------------164.00K455.00K2.06M526.00K106.00K-
Net Income 2.76M116.00K2.06M572.00K3.45M-44.20M37.00K-2.56M-7.11M-1.43M-3.80M-4.57M2.05M4.95M-3.58M-1.03M-7.92M1.54M-3.57M5.02M-2.80M38.14M6.45M2.49M3.41M13.66M4.87M6.13M2.70M10.74M4.54M3.96M2.79M3.62M-1.62M6.46M2.42M7.34M2.27M-425.00K
Diluted EPS -----------------------------------0.030.130.040.140.04-

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 188.98M190.32M194.16M202.76M213.64M230.22M236.27M245.41M252.63M244.01M250.54M238.86M250.55M232.52M240.68M245.00M255.62M
Net Income 17.34M14.70M8.48M4.53M4.79M-5.97M-3.14M1.97M-38.13M-11.06M-1.37M-10.99M72.71M26.01M24.44M14.91M14.59M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Jan 2014Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --986.51M1.08B1.17B1.22B-1.42B1.48B1.58B1.64B1.62B1.74B1.84B1.85B1.59B1.67B1.69B1.75B
Total Equity 171.54M209.13M219.88M248.04M263.11M249.25M249.25M262.33M246.93M249.10M223.51M187.73M259.84M300.94M99.96M127.79M172.13M210.35M234.99M
Cash & Equivalents 63.79M48.62M49.72M33.26M56.30M54.59M-50.71M82.83M35.51M46.06M45.49M46.20M34.13M27.29M22.97M27.00M29.27M22.98M
Total Liabilities --758.87M831.47M911.84M970.47M-1.16B1.23B1.33B1.42B1.43B1.49B1.54B1.53B1.46B1.50B1.47B1.52B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 52.09M60.54M64.28M69.27M81.41M97.93M87.15M102.27M93.01M84.62M72.22M48.83M40.45M56.92M22.06M31.92M17.99M
Investing Cash Flow -68.81M-62.05M-85.07M-50.04M-84.87M-103.95M-58.03M-152.08M-85.00M-85.13M-69.34M-61.81M-41.08M-60.74M-14.50M-27.17M-19.67M
Financing Cash Flow 1.54M2.61M4.33M3.81M1.75M2.13M3.00M2.49M2.55M-58.00K-2.17M904.00K-6.21M-499.00K-3.54M-2.47M-4.61M
Capital Expenditure -960.00K-2.06M-1.80M-619.00K-393.00K-481.00K-590.00K-2.21M-1.33M-724.00K-511.00K-221.00K-1.01M-100.00K-442.00K-663.00K-447.00K
Free Cash Flow 51.13M58.48M62.48M68.65M81.02M97.45M86.56M100.06M91.69M83.90M71.71M48.61M39.45M56.82M21.61M31.25M17.54M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % 9.2%7.7%4.4%2.2%2.2%-2.6%-1.3%0.8%-15.1%-4.5%-0.5%-4.6%29.0%11.2%10.2%6.1%5.7%
ROE % 8.3%6.7%3.4%1.7%1.9%-2.3%-1.3%0.8%-17.1%-5.9%-0.5%-3.7%72.7%20.4%14.2%7.1%6.2%
ROCE % -----------------

Shareholding Pattern

Insiders
11.56%
Institutions
30.57%
Public Float
34.57%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.07% 3.58M $12.42M
2 Continental General Insurance Co 5.23% 2.65M $9.19M
3 Vanguard Capital Management LLC 3.92% 1.99M $6.89M
4 UBS Group AG 2.35% 1.19M $4.12M
5 Geode Capital Management, LLC 2.21% 1.12M $3.89M
6 State Street Corporation 1.32% 667.71K $2.32M
7 First Eagle Investment Management, LLC 1.15% 584.05K $2.03M
8 Bridgeway Capital Management, LLC 1.01% 512.71K $1.78M
9 Northern Trust Corporation 0.75% 377.52K $1.31M
10 Vanguard Portfolio Management LLC 0.61% 307.50K $1.07M

Analyst View

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Latest News

Recent headlines for CIA

Google News Fri, 23 Oct 2026

Traders Buy High Volume of Citizens Put Options (NYSE:CIA) - MarketBeat

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxOV3F3czMtWUx1MlBDMl95elRqYnh0WkFsb2taZjY5UFVsN1R6R0E3cnJzZzlOWU1PYjQyT1I1Z09fdkpvVW9SX1NYZWJxSnY4MmFENWJyZmN6OVo5d18xRlhKYjBDcFo3RDRmZUhRODNHZlZfTTVmU3Y2X0d1Q2Y5NGMxWFNVTjJmQmVUa2…

Google News Mon, 29 Jun 2026

Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxOTkhjbzVUNkNFTzJYYjlSYWVzTU5mMlRyNVBfT1paS0l6WjhYSnJCVUJtZFk1clJHRFZyUXlzaVhuSVdXTUpVbC04SmNCQk1MODFVZm5EZWg5T2ZpZ2puSlNfejFTNUJEeGJSYWRTdGItcXFDSlFzZGprcG9VQWhEeXA1b0RJYUdPTlk5Mk…

Google News Mon, 19 Oct 2026

Champion Iron (TSX:CIA) Stock Forecast & Analyst Predictions - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMigwFBVV95cUxQUHNGNjFJUzVMYWlLU0xaRzd3QXU1YVdqaThlRW1UbXphcEYwcWVZY1hrQ1NfWVVUUlduUGZsY0c4Mmw0eDl5MjItczhVSlY1aWljTWRZX3RvS0VsZm1TWkFLaHRuQVZHM1VQX1lwM0gxWEZ3dHYzemJSdXdtWDE1NHFURQ?oc=5" targe…

Google News Sat, 03 Oct 2026

Citizens (NYSE:CIA) Stock Dropped to "Strong Sell" by Wall Street Zen - MarketBeat

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxOeFlYckU1WTU1Y1V5SFFmZlE5VDRTem9pN1lVWU8yR2lWSDNZLXZkQUNpcWlNbmlZb3hiMUtmUk1zNy1wWFdXQ0JmMlY4QUwzTW9mNTZNYnVZcFYwdFQxY0xILXAzQTRreC14RHFlMkkta0dyTDFCQ2Y0QWxlUUdkeGxGQkRCUFdmekx6am…

Google News Sat, 08 Aug 2026

Citizens (CIA) Stock Sinks After Profit Turns To Loss - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMitwFBVV95cUxNcW84bWpQWUtoaFpTSTZOVzlCZVVVUWJKYWU4aE1STjhPQmlQaGt5ZUNYNFNMR0hhN2dxMVBjeDRReFY1Q01RSnd5eVdBelNRMVFVUlNqVzM3TTBTSHVLQ3p0Q2V0cXh4X2dqZkM3bFFiS0tYeFpZemJWYlUzNTQ2b2s3MWt5MkJBY3RtNF…

Google News ue, 07 May 2024

symbol__ Stock Quote Price and Forecast - CNN

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CIA — Frequently Asked Questions

What is the current share price of Citizens, Inc. (CIA)?

As of 2026-10-23 16:27 PDT, Citizens, Inc. (CIA) trades at $3.60 on NYSE. Its 52-week range is $3.37 to $6.38.

What is the market capitalisation of CIA?

Citizens, Inc. (CIA) has a market capitalisation of $182.32M on NYSE.

What is the P/E ratio of CIA?

CIA trades at a trailing price-to-earnings (P/E) ratio of 16.36. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.75.

What is the return on equity (ROE) of CIA?

CIA has a return on equity (ROE) of 5.00%.

Is CIA a good stock to buy?

This page provides a data-driven analysis of Citizens, Inc. (CIA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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