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StockVS

NYSE · Insurance - Life · USD

Citizens, Inc. (CIA) Stock Analysis

Citizens, Inc. (CIA) is a Insurance - Life stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

CIA

$3.59

+$0.06 (+1.70%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CIA Key Statistics

As of Oct 21, 2026
Trading
Open
$3.49
Previous Close
$3.53
Day's Range
3.51–3.60
52-Week Range
3.38–6.54
Volume
116.96K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.47
Valuation
Market Cap
$171.17M
P/E Ratio
15.36
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
16.90
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
1.21
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
0.67
EPS (ttm)Profit attributable to each share over the last twelve months.
0.22
Financials (FY)
Revenue (FY)
$255.62M+4.33%
Net Income (FY)
$14.59M−2.15%
Profit marginThe share of revenue left as profit after all costs and taxes.
4.55%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
50.64M
1-Year Return
−34.61%
Dividend and dates
Earnings Date
November 5, 2026estimated
Avg Volume
128.08K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, CIA closed at $3.59, −34.61% over 1 year.

Citizens, Inc. (CIA) has a market capitalization of $171.17M.

In fiscal 2025, CIA reported revenue of $255.62M.

CIA Stock Return by Calendar Year

Citizens, Inc. (CIA) 10-year return: what $10,000 became

1 year
$10,000 $6,539
−34.61%
5 years
$10,000 $5,592
−44.08%
10 years
$10,000 $4,454
−55.46%

If you had invested $10,000 in Citizens, Inc. (CIA) 10 years ago, at the close on October 21, 2016, it would have been worth $4,454 at the close on October 21, 2026: −55.46% in total, −7.77% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−25.67%
2025+20.45%
2024+49.07%
2023+26.29%
2022−59.89%
2021−7.33%
2020−15.11%
2019−10.24%
2018+2.31%
2017−25.15%
2016 (partial year)+1.13%

As of October 21, 2026.

CIA Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$255.62M$14.59M5.7%
2024$245.00M$14.91M6.1%
2023$240.68M$24.44M10.2%
2022$232.52M$26.01M11.2%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$255.62M——$14.59M5.7%
2024$245.00M——$14.91M6.1%
2023$240.68M——$24.44M10.2%
2022$232.52M——$26.01M11.2%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CIA Valuation vs Insurance - Life Median

Median of 22 stocks
MetricCIAInsurance - Life medianvs median
P/E15.3612.1826% above
P/S ratio0.671.1039% below
Profit margin4.55%8.74%4.2 pts below

Medians across 22 Insurance - Life stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Citizens, Inc. (CIA) carries a market capitalisation of $171.17M. It is classified in the Insurance - Life industry, within the Financial Services sector. The company reports 243 employees.

CIA last closed at $3.59 on October 21, 2026. That is +$0.06 (+1.70%) against the previous close. Over the past 52 weeks the price has ranged from $3.38 to $6.54. The latest close sits 6.21% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $255.62M. Against the prior fiscal year total of $245.00M, that is a change of +4.33%. The same year closed with net income of $14.59M. That is −2.15% against the prior fiscal year. The reported profit margin is 4.55%. That is 4.2 percentage points below the Insurance - Life median of 8.74%. Trailing earnings per share are 0.22.

Across the 4 fiscal years on file, revenue moves from $232.52M in 2022 to $255.62M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

CIA trades at a trailing price-to-earnings ratio of 15.36. That is 26.16% above the Insurance - Life median of 12.18. The forward P/E on file is 16.9. The PEG ratio, which sets the P/E against expected earnings growth, reads 1.21. The price-to-sales ratio is 0.67. On price-to-sales that is 39.08% below the Insurance - Life median of 1.1. The medians here are taken across 22 Insurance - Life companies that report the metric.

The trailing one-year total return is −34.61%. Measured over 10 years, that is −7.77% a year compounded. The reported beta is 0.47. Daily returns over the trailing 10 years annualize to a volatility of 52.4%.

Growth & Income

No dividend is on file for CIA.

Across the complete calendar years on file, 2024 returned +49.07% and 2022 returned −59.89%. Of the 9 complete calendar years on file, 4 finished higher. So far in 2026 the total return is −25.67%.

Peer Comparison

Citizens, Inc. (CIA) operates in the Insurance - Life industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Citizens, Inc. CIA $171.17M 15.4
Great-West Lifeco Inc. GWO.TO CA$82.20B 18.9
Manulife Financial Corporation MFC $74.87B 17.0
MetLife, Inc. MET $64.93B 19.6

Market caps are shown in each company's own trading currency, without conversion, and the peers are listed in order of these unconverted figures.

The Insurance - Life industry average P/E ratio is 12.2x. Citizens, Inc. trades at a P/E of 15.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Citizens, Inc.

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

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