Citizens (CIA) Stock Price, News & Analysis

Company Overview

Citizens, Inc. (NYSE:CIA) is a bank holding company headquartered in Conway, Arkansas. Through its wholly owned subsidiary, Citizens Bank of Northern Arkansas, the company provides commercial and consumer banking services to individuals, small businesses and corporate clients across Northern and Central Arkansas.

Citizens offers a range of deposit products, including checking accounts, savings accounts and certificates of deposit, alongside lending solutions such as residential mortgages, commercial real estate loans and consumer installment loans. The bank also delivers treasury and cash management services designed to support business clients with efficient payment processing, liquidity management and fraud prevention tools.

In addition to core banking activities, Citizens maintains a trust department that provides fiduciary and wealth management services, including estate planning, investment advisory and retirement planning. Its digital banking platform enables customers to manage accounts, initiate transfers and access account information via online and mobile channels, enhancing convenience and accessibility.

With multiple branch locations throughout its service area, Citizens Bank of Northern Arkansas emphasizes a community-focused approach, fostering long-term relationships and supporting regional economic growth. The company’s commitment to personalized service and local engagement underpins its role as a financial partner for individuals and businesses in the communities it serves.

Key Stats

• Today's Range: $5.33 to $5.46
• 50-Day Range: $3.30 to $5.45
• 52-Week Range: $2.90 to $5.95
• Volume: 126,895 shs
• Average Volume: 135,545 shs
• Market Capitalization: $273.56 million
• P/E Ratio: 24.75
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Strong Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 29% of companies evaluated by MarketBeat, and ranked 856th out of 957 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 24.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 24.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.86.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

10.98% 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 18.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently decreased by 5.23%, indicating that investor sentiment is improving significantly.

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

10.98% 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 18.5, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently decreased by 5.23%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: N/A

News Sentiment

Citizens has a news sentiment score of 0.63. 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 1.06 average news sentiment score of Finance companies.

Search Interest

6 people have searched for CIA on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Citizens insiders have not sold or bought any 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 beginning of 2025. Since then, CIA shares have increased by 35.8% and is now trading at $5.4450.

How were Citizens' earnings last quarter?

Citizens, Inc. (NYSE:CIA) announced its quarterly earnings results on Thursday, August, 7th. The insurance provider reported $0.13 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.04 by $0.09. The insurance provider had revenue of $62.68 million for the quarter, compared to analysts' expectations of $62.78 million. Citizens had a trailing twelve-month return on equity of 6.42% and a net margin of 4.57%.

Who are Citizens' major shareholders?

Top institutional investors of Citizens include Geode Capital Management LLC (2.06%), First Eagle Investment Management LLC (1.19%), Continental General Insurance Co. (0.86%) and Bridgeway Capital Management LLC (0.85%). 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: 8/07/2025
• Today: 9/13/2025
• Next Earnings (Estimated): 11/06/2025
• 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: 1969

Profitability

• EPS (Trailing Twelve Months): $0.22
• Trailing P/E Ratio: 24.75
• Forward P/E Ratio: 17.02
• P/E Growth: N/A
• Net Income: $14.91 million
• Net Margins: 4.57%
• Pretax Margin: 4.83%
• Return on Equity: 6.42%
• Return on Assets: 0.81%

Debt

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

Sales & Book Value

• Annual Sales: $245 million
• Price / Sales: 1.12
• Cash Flow: $0.43 per share
• Price / Cash Flow: 12.78
• Book Value: $4.21 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 50,240,000
• Free Float: 49,441,000
• Market Cap: $273.56 million
• Optionable: Optionable
• Beta: 0.42