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: $5.51 to $5.74
• 50-Day Range: $4.53 to $5.78
• 52-Week Range: $3.24 to $6.40
• Volume: 104,477 shs
• Average Volume: 104,826 shs
• Market Capitalization: $281.93 million
• P/E Ratio: 20.02
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 46% of companies evaluated by MarketBeat, and ranked 687th out of 878 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Citizens has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Citizens has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 20.00%

Earnings Growth

Earnings for Citizens are expected to grow by 20.00% in the coming year, from $0.30 to $0.36 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 20.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 20.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.06.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.20. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

7.64% 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 37.18, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently decreased by 2.99%, 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.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.34

News Sentiment

Citizens has a news sentiment score of 0.34. 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 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Citizens this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for CIA on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added Citizens to their MarketBeat watchlist in the last 30 days.

Company Ownership

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

Cluster Insider Buying

2 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 $48,553.00 in company stock, which represents 0.0172% 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 $48,553.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

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

Percentage Held by Institutions

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 $4.82 at the beginning of the year. Since then, CIA shares have increased by 16.3% and is now trading at $5.6050.

How were Citizens' earnings last quarter?

Citizens, Inc. (NYSE:CIA) announced its quarterly earnings results on Thursday, May, 7th. The insurance provider reported $0.03 EPS for the quarter, missing the consensus estimate of $0.05 by $0.02. The insurance provider earned $58.74 million during the quarter, compared to analysts' expectations of $61.17 million. Citizens had a net margin of 5.71% and a trailing twelve-month return on equity of 7.23%.

Who are Citizens' major shareholders?

Citizens' top institutional investors include Dimensional Fund Advisors LP (0.53%) and Bank of New York Mellon Corp (0.22%). Insiders that own company stock include Jon Stenberg, Gerald Shields, Jeffery P Conklin, Sheryl L Kinlaw, James Keith Morgan, Christopher W Claus, Terry Sam Maness and Cynthia H Davis.
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), InMode (INMD).

Company Calendar

• Last Earnings: 3/12/2026
• Today: 5/07/2026
• Next Earnings (Estimated): 5/14/2026
• Fiscal Year End: 12/31/2026

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): $0.28
• Trailing P/E Ratio: 20.02
• Forward P/E Ratio: 18.68
• P/E Growth: N/A
• Net Income: $14.59 million
• Net Margins: 5.71%
• Pretax Margin: 6.83%
• Return on Equity: 7.23%
• Return on Assets: 0.95%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.05
• Quick Ratio: 0.05

Sales & Book Value

• Annual Sales: $255.62 million
• Price / Sales: 1.10
• Cash Flow: $0.40 per share
• Price / Cash Flow: 13.98
• Book Value: $4.67 per share
• Price / Book: 1.20

Miscellaneous

• Outstanding Shares: 50,300,000
• Free Float: 49,495,000
• Market Cap: $281.93 million
• Optionable: Optionable
• Beta: 0.50