Citizens, Inc.
CIA
NYSE·Financial Services·Insurance - Life·Mkt cap $199.7M
$3.95
▼ -0.50%
P/E
17.00
Mkt Cap
$199.7M
52-Wk Range
$3.56–$6.54
52-Week Range
$3.56 - $6.54
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 26.9% 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 0.4).
- High premium - requires strong execution
Growth
Stable outlook
Increasing demand for affordable life insurance among underserved U.S. populations
Value
High premium - requires strong execution
Momentum
Falling
-25.5% over 3m
Quality
Stable
Solid business
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: Nov 5, 2026
AUG 6, 2026
Reported EPS of $0.01 vs $0.07 consensus (-85.7% surprise). Revenue of $61.9M vs $63.9M expected (-3.1%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-85.7%
Revenue trend · last 8Q
—
-5%
-4%
+5%
+2%
+14%
+5%
-7%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$61.7M
$63.5M
$55.7M
$65.1M
$62.8M
$72.1M
$58.2M
$60.4M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
-0.7%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Citi · Aug 24, 2026
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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