Citizens (CIA) Stock Price, News & Analysis

Company Overview

Citizens, Inc. provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Key Stats

• Today's Range: $3.76 to $3.93
• 50-Day Range: $3.30 to $4.18
• 52-Week Range: $2.33 to $5.95
• Volume: 120,187 shs
• Average Volume: 167,194 shs
• Market Capitalization: $196.09 million
• P/E Ratio: 23.00
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Strong Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 28% of companies evaluated by MarketBeat, and ranked 815th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 18.75%

Earnings Growth

Earnings for Citizens are expected to grow by 18.75% in the coming year, from $0.32 to $0.38 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 23.00, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 23.00, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.30% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 23.4, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently decreased by 0.55%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Citizens does not currently pay a dividend.

Dividend Growth

Citizens does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

12.30% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 23.4, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently decreased by 0.55%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.0 / 5
• News Sentiment: -0.25

News Sentiment

Citizens has a news sentiment score of -0.25. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Citizens this week, compared to 3 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Citizens insiders have bought more of their company's stock than they have sold. Specifically, they have bought $138,105.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 1.60% of the stock of Citizens is held by insiders.

Percentage Held by Institutions

Only 13.73% of the stock of Citizens is held by institutions.

CIA Stock Analysis - Frequently Asked Questions

How have CIA shares performed this year?

Citizens' stock was trading at $4.01 at the start of the year. Since then, CIA shares have decreased by 2.5% and is now trading at $3.91.

How were Citizens' earnings last quarter?

Citizens, Inc. (NYSE:CIA) announced its quarterly earnings results on Thursday, March, 13th. The insurance provider reported $0.07 earnings per share for the quarter, missing analysts' consensus estimates of $0.10 by $0.03. The insurance provider had revenue of $63.47 million for the quarter, compared to analyst estimates of $64.66 million. Citizens had a net margin of 3.60% and a trailing twelve-month return on equity of 5.50%.

Who are Citizens' major shareholders?

Citizens' top institutional investors include Ritholtz Wealth Management (0.05%) and Belvedere Trading LLC. Insiders that own company stock include Jon Stenberg, Gerald Shields, Jeffery P Conklin, Sheryl L Kinlaw, James Keith Morgan, Christopher W Claus, Harvey J Waite and Terry Sam Maness.
View institutional ownership trends.

How do I buy shares of Citizens?

Shares of CIA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Citizens own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens investors own include HubSpot (HUBS), Netflix (NFLX), Bank of America (BAC), Diamondback Energy (FANG), ForgeRock (FORG) and InMode (INMD).

Company Calendar

• Last Earnings: 3/13/2025
• Today: 8/01/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - LIFE
• Sub-Industry: Life & Health Insurance
• Current Symbol: NYSE:CIA
• CIK: 24090
• Web: www.citizensinc.com
• Phone: (512) 837-7100
• Fax: 512-836-9785
• Employees: 220
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.17
• Trailing P/E Ratio: 23.00
• Forward P/E Ratio: 12.22
• P/E Growth: N/A
• Net Income: $14.91 million
• Net Margins: 3.60%
• Pretax Margin: 3.40%
• Return on Equity: 5.50%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.04
• Quick Ratio: 0.04

Sales & Book Value

• Annual Sales: $245 million
• Price / Sales: 0.80
• Cash Flow: $0.42 per share
• Price / Cash Flow: 9.35
• Book Value: $4.21 per share
• Price / Book: 0.93

Miscellaneous

• Outstanding Shares: 50,150,000
• Free Float: 49,348,000
• Market Cap: $196.09 million
• Optionable: Optionable
• Beta: 0.36