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
Trades at an undemanding P/E of 15.9.
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 +7.3%, 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: | 7.30% |
Compounded Profit Growth
| 5 Years: | -1.07% |
| 1 Year: | -2.15% |
Stock Price Performance
| 1 Year: | +65.97% |
| 6 Months: | +11.42% |
| 3 Months: | +1.09% |
| 1 Month: | +0.00% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)47.18 · Neutral
P/E of 15.89 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -1.1% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CIA Citizens, Inc. R2K | 5.56 | 15.89 | $281.08M | 0.00% | - | 8.09% | 1.91% | -1.07% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 61.24M | 61.74M | 67.90M | 59.58M | 60.85M | 64.33M | 67.86M | 57.43M | 59.84M | 61.16M | 65.57M | 62.41M | 56.87M | 61.47M | 69.81M | 55.72M | 58.34M | 59.83M | 64.97M | 55.48M | 63.56M | 61.58M | 69.92M | 55.36M | 53.73M | 56.18M | 67.26M | 55.91M | 58.53M | 59.39M | 66.85M | 57.71M | 62.08M | 61.73M | 63.47M | 55.65M | 65.09M | 62.81M | 72.07M | 59.72M |
| Net Income | 1.48M | 2.76M | 116.00K | 2.06M | 572.00K | 3.45M | -44.20M | 37.00K | -2.56M | -7.11M | -1.43M | -3.80M | -4.57M | 2.05M | 4.95M | -3.58M | -1.03M | -7.92M | 1.54M | -3.57M | 5.02M | -2.80M | 38.14M | 6.45M | 2.49M | 3.41M | 13.66M | 4.87M | 6.13M | 2.70M | 10.74M | 4.54M | 3.96M | 2.79M | 3.62M | -1.62M | 6.46M | 2.42M | 7.34M | 2.27M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 188.98M | 190.32M | 194.16M | 202.76M | 213.64M | 230.22M | 236.27M | 245.41M | 252.63M | 244.01M | 250.54M | 238.86M | 250.55M | 232.52M | 240.68M | 245.00M | 255.62M |
| Net Income | 17.34M | 14.70M | 8.48M | 4.53M | 4.79M | -5.97M | -3.14M | 1.97M | -38.13M | -11.06M | -1.37M | -10.99M | 72.71M | 26.01M | 24.44M | 14.91M | 14.59M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Jan 2014 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 986.51M | 1.08B | 1.17B | 1.22B | - | 1.42B | 1.48B | 1.58B | 1.64B | 1.62B | 1.74B | 1.84B | 1.85B | 1.59B | 1.67B | 1.69B | 1.75B |
| Total Equity | 171.54M | 209.13M | 219.88M | 248.04M | 263.11M | 249.25M | 249.25M | 262.33M | 246.93M | 249.10M | 223.51M | 187.73M | 259.84M | 300.94M | 99.96M | 127.79M | 172.13M | 210.35M | 234.99M |
| Cash & Equivalents | 63.79M | 48.62M | 49.72M | 33.26M | 56.30M | 54.59M | - | 50.71M | 82.83M | 35.51M | 46.06M | 45.49M | 46.20M | 34.13M | 27.29M | 22.97M | 27.00M | 29.27M | 22.98M |
| Total Liabilities | - | - | 758.87M | 831.47M | 911.84M | 970.47M | - | 1.16B | 1.23B | 1.33B | 1.42B | 1.43B | 1.49B | 1.54B | 1.53B | 1.46B | 1.50B | 1.47B | 1.52B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 52.09M | 60.54M | 64.28M | 69.27M | 81.41M | 97.93M | 87.15M | 102.27M | 93.01M | 84.62M | 72.22M | 48.83M | 40.45M | 56.92M | 22.06M | 31.92M | 17.99M |
| 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 | 1.54M | 2.61M | 4.33M | 3.81M | 1.75M | 2.13M | 3.00M | 2.49M | 2.55M | -58.00K | -2.17M | 904.00K | -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 | 51.13M | 58.48M | 62.48M | 68.65M | 81.02M | 97.45M | 86.56M | 100.06M | 91.69M | 83.90M | 71.71M | 48.61M | 39.45M | 56.82M | 21.61M | 31.25M | 17.54M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.46% | 3.27M | $18.07M |
| 2 | Continental General Insurance Co | 5.05% | 2.55M | $14.11M |
| 3 | Vanguard Capital Management LLC | 3.87% | 1.96M | $10.81M |
| 4 | Geode Capital Management, LLC | 2.08% | 1.05M | $5.82M |
| 5 | State Street Corporation | 1.32% | 668.46K | $3.70M |
| 6 | UBS Group AG | 1.28% | 646.37K | $3.57M |
| 7 | First Eagle Investment Management, LLC | 1.15% | 582.75K | $3.22M |
| 8 | Bridgeway Capital Management, LLC | 0.98% | 494.42K | $2.73M |
| 9 | Northern Trust Corporation | 0.68% | 344.48K | $1.90M |
| 10 | Vanguard Fiduciary Trust Co | 0.57% | 288.81K | $1.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CIA
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CIA — Frequently Asked Questions
What is the current share price of Citizens, Inc. (CIA)?
As of 2026-07-15 16:51 PDT, Citizens, Inc. (CIA) trades at $5.56 on NYSE. Its 52-week range is $3.30 to $6.38.
What is the market capitalisation of CIA?
Citizens, Inc. (CIA) has a market capitalisation of $281.08M on NYSE.
What is the P/E ratio of CIA?
CIA trades at a trailing price-to-earnings (P/E) ratio of 15.89. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.17.
What is the return on equity (ROE) of CIA?
CIA has a return on equity (ROE) of 8.09%.
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.