Citizens (CIA) Stock Price, News & Analysis

Company Overview

Citizens, Inc. (NYSE: CIA) is an insurance holding company headquartered in Austin, Texas. Through its insurance subsidiaries, the company provides life insurance products designed to help individuals and families address final expenses, income protection and other financial needs.

Its product offerings include final expense insurance, ordinary life insurance and other forms of life coverage. Citizens distributes its policies through independent agents and other insurance representatives, serving customers in the United States and selected international markets.

The company traces its history to 1969 and has developed operations in parts of Latin America and the Caribbean in addition to its U.S. business. Its international activities have included life insurance products tailored to local markets and customer needs.

Key Stats

• Today's Range: $3.49 to $3.60
• 50-Day Range: $3.46 to $5.10
• 52-Week Range: $3.38 to $6.54
• Volume: 85,028 shs
• Average Volume: 120,880 shs
• Market Capitalization: $197.86 million
• P/E Ratio: 16.83
• Dividend Yield: N/A
• Price Target: $5.50
• Consensus Rating: Hold

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 91% of companies evaluated by MarketBeat, and ranked 140th out of 839 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: 3.8 / 5
• Analyst Rating: Hold

Consensus Rating

Citizens has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on no strong buy ratings, 2 buy ratings, no hold ratings, and 1 sell rating.

Upside Potential

Citizens has a consensus price target of $5.50, representing about 55.6% upside from its current price of $3.54.

Amount of Analyst Coverage

Citizens has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 75.00%

Earnings Growth

Earnings for Citizens are expected to grow by 75.00% in the coming year, from $0.12 to $0.21 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 16.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 16.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.42.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 0.76. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

8.33% 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 37.15, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently increased by 4.78%, indicating that investor sentiment is decreasing.

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.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.87

News Sentiment

Citizens has a news sentiment score of 0.87. 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 higher news sentiment than the 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Citizens this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.8 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

3 insiders have purchased shares of Citizens in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $102,390.00 in company stock, which represents 0.0517% of the company's market cap.

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 $102,390.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

2.20% of the stock of Citizens is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 8/06/2026
• Today: 10/04/2026
• Next Earnings (Estimated): 11/05/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Life & Health Insurance
• Current Symbol: NYSE:CIA
• CIK: 24090
• Web: www.citizensinc.com
• Phone: (512) 837-7100
• Fax: 512-836-9785
• Employees: 246
• Year Founded: 1969

Price Target and Rating

• Average Price Target for Citizens: $5.50
• High Price Target: $5.50
• Low Price Target: $5.50
• Potential Upside/Downside: +55.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.21
• Trailing P/E Ratio: 16.83
• Forward P/E Ratio: 29.46
• P/E Growth: N/A
• Net Income: $14.59 million
• Net Margins: 4.55%
• Pretax Margin: 5.56%
• Return on Equity: 4.73%
• Return on Assets: 0.63%

Debt

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

Sales & Book Value

• Annual Sales: $255.01 million
• Price / Sales: 0.78
• Cash Flow: $0.39 per share
• Price / Cash Flow: 9.00
• Book Value: $4.67 per share
• Price / Book: 0.76

Miscellaneous

• Outstanding Shares: 55,971,000
• Free Float: 54,740,000
• Market Cap: $197.86 million
• Optionable: Optionable
• Beta: 0.47