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Citizens, Inc.
CIA
NYSE·Financial Services·Insurance - Life·Mkt cap $300.8M
$5.94
▼ -0.17%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$3.25 - $6.54
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 66.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Specialized focus on underserved non-U.S. residents seeking dollar-denominated life insurance
- Established distribution network through funeral homes and independent agents in target markets
- 50+ year operational history and brand recognition in niche segments
- Lower-cost service model targeting middle and lower-income households competitors often overlook
Bear Case
2 risks
- Low volatility (beta 0.5).
- Significant premium - growth priced in
Growth
Stable outlook
Increasing demand for affordable life insurance among underserved U.S. populations
Value
Significant premium - growth priced in
Momentum
Strong
+16.7% over 3m
Quality
Stable
Excellent business quality
Dividend
None
No dividend
Smart-money signal
Who's buying CIA right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: May 6, 2026
MAY 7, 2026
Reported EPS of $0.05 vs $0.05 consensus (-9.4% surprise). Revenue of $58.2M vs $58.7M expected (-0.9%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-9.4%
Next: May 6, 2026
Revenue trend · last 8Q
—
—
-5%
-4%
+5%
+2%
+14%
+5%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$62.1M
$61.7M
$63.5M
$55.7M
$65.1M
$62.8M
$72.1M
$58.2M
Margins · last 8Q
Gross
—
Operating
—
Profit
3.9%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
No analyst coverage on file for this stock yet.
vs Industry
How CIA stacks vs Insurance - Life
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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