Citizens, Inc. (CIA) Stock Price

CIAStock

$3.89−26.36%52W

Market Cap$197.00M

P/E13.73x

PEG Ratio1.21

Div yield—

Beta0.48

CIA Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-44.80%

Price vs S&P 500 (4W)-25.49%

PEG Ratio1.21

VGM Score43.72

P/E Ratio (Annual)13.73x

P/CF (Annual)11.14x

Book Value / Share (Quarterly)$4.74

P/TBV (Annual)1.07x

Revenue Growth (3Y)3.21%

Cash Flow / Share (Quarterly)$0.32

Price vs S&P 500 (YTD)-30.39%

Net Profit Margin (TTM)7.12%

EPS (TTM)$0.36

10-Day Avg Trading Volume0.16M

EPS Excl Extra (TTM)$0.36

Revenue Growth (5Y)1.36%

EPS (Annual)$0.28

ROI (Annual)6.21%

Net Profit Margin (5Y Avg)6.76%

Cash / Share (Quarterly)$0.34

P/E Basic Excl Extra (TTM)10.84x

Revenue Growth QoQ (YoY)7.31%

P/E Normalized (Annual)13.73x

ROA (Last FY)0.83%

Revenue Growth TTM (YoY)6.89%

EBITD / Share (TTM)$0.43

ROE (5Y Avg)6.76%

Operating Margin (TTM)8.33%

Cash Flow / Share (Annual)$0.35

P/B Ratio0.84x

P/B Ratio (Quarterly)1.06x

Net Income / Employee (Annual)$60,000

EV / Revenue (TTM)0.70x

ROA (TTM)1.06%

EPS Growth QoQ (YoY)101.99%

EV / EBITDA (TTM)8.20x

EPS Incl Extra (Annual)$0.28

Current Ratio (Annual)0.01x

Quick Ratio (Quarterly)0.00x

3-Month Avg Trading Volume0.12M

52-Week Price Return-26.36%

EV / Free Cash Flow (Annual)10.36x

P/E Incl Extra (TTM)10.84x

Revenue / Employee (TTM)$1,068,700

Tangible BV / Share (Quarterly)$4.57

P/S Ratio (Annual)0.78x

Asset Turnover (Annual)0.15x

52-Week High$6.54

Operating Margin (5Y Avg)3.62%

EPS Excl Extra (Annual)$0.28

CapEx CAGR (5Y)17.45%

Tangible BV CAGR (5Y)-3.91%

26-Week Price Return-33.56%

Quick Ratio (Annual)0.01x

13-Week Price Return-20.24%

Total Debt / Equity (Annual)0.00x

Current Ratio (Quarterly)0.03x

Enterprise Value$181.77M

Revenue / Share Growth (5Y)0.94%

Asset Turnover (TTM)0.15x

Book Value / Share Growth (5Y)-4.75%

Revenue / Employee (Annual)$1,051,900

Pretax Margin (Annual)6.83%

Cash / Share (Annual)$0.46

3-Month Return Std Dev55.01%

Net Income / Employee (TTM)$76,100

EBITDA CAGR (5Y)16.69%

ROE (Last FY)6.21%

EPS Basic Excl Extra (Annual)$0.28

P/FCF (TTM)11.42x

EV / Free Cash Flow (TTM)11.19x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$0.36

ROI (TTM)7.96%

P/S Ratio (TTM)0.77x

Pretax Margin (5Y Avg)3.62%

Revenue / Share (Annual)$4.97

Tangible BV / Share (Annual)$4.49

Forward P/E21.39x

Free OCF CAGR (5Y)-18.44%

Price vs S&P 500 (52W)-44.67%

P/E Ratio (TTM)10.84x

EPS Growth TTM (YoY)111.40%

Year-to-Date Return-18.43%

5-Day Price Return3.68%

EPS Normalized (Annual)$0.28

ROA (5Y Avg)0.95%

Net Profit Margin (Annual)5.71%

Month-to-Date Return-16.70%

Cash Flow / Share (TTM)$0.36

EBITD / Share (Annual)$0.35

EPS Growth (3Y)-26.08%

Operating Margin (Annual)6.83%

P/CF (TTM)11.84x

ROI (5Y Avg)6.76%

P/E Excl Extra (TTM)10.84x

EPS Basic Excl Extra (TTM)$0.36

P/TBV (Quarterly)1.10x

P/B Ratio (Annual)1.03x

Pretax Margin (TTM)8.33%

Book Value / Share (Annual)$4.67

Price vs S&P 500 (13W)-23.04%

Beta0.48x

P/FCF (Annual)11.42x

Revenue / Share (TTM)$5.03

ROE (TTM)7.96%

52-Week Low$3.56

vGradeC

gGradeC

mGradeD

vgmGradeC

CIA Earnings Surprise History

Q2 250.08est. 0.04

Q3 250.07est. 0.06

Q4 250.11est. 0.08

Q1 260.03est. 0.05

Q2 260.01est. 0.07

CIA Analyst Recommendations

Sep 2025

Oct 2025

Nov 2025

Dec 2025

4.20

Industry Peers — Life Insurance(32)

Symbol	Value Score	Growth Score	Momentum Score	Price
CIACitizens, Inc.	C	C	D	$3.89
MFCManulife Financial Corp.	C	D	B	$43.17
METMetLife, Inc.	C	D	B	$95.87
SLFSun Life Financial Inc.	D	C	B	$79.98
PRUPrudential Financial, Inc.	B	B	B	$120.15
PUKPRUDENTIAL PLC ADS (REP 2 ORD SHARES)	D	C	D	$28.43
RGAReinsurance Group of America, Incorporated	B	B	B	$244.46
CRBGCorebridge Financial, Inc.	C	D	D	$31.83
AEGAegon Ltd.	D	D	C	$9.21
GLGlobe Life Inc.	D	C	C	$172.24
PRIPRIMERICA, INC.	D	C	C	$297.72
VOYAVOYA FINANCIAL, INC.	C	D	B	$100.56
JXNJackson Financial Inc.	C	B	B	$131.63
LNCLincoln National Corp.	B	B	C	$42.61
GNWGenworth Financial, Inc.	C	D	C	$9.86
FGF&G Annuities & Life, Inc.	A	C	F	$23.04
BHFBrighthouse Financial, Inc.	B	F	D	$51.87
BHFALBrighthouse Financial, Inc. 6.25% Junior Subordinated Debentures due 2058	B	F	D	$15.88
AAMEAtlantic American Corp	A	C	F	$1.29
AEFCAegon Funding Company LLC 5.10% Subordinated Notes due 2049	—	—	D	$18.13
ATHSAthene Holding Ltd. 7.250% Fixed-Rate Reset Junior Subordinated Debentures due 2064	A	B	D	$24.70
BHFAMBrighthouse Financial, Inc. Depositary shares each representing a 1/1,000th Interest in a Share of 4.625% Non-Cumulative Preferred Stock, Series D	B	F	D	$10.14
BHFANBrighthouse Financial, Inc. Depositary shares, each representing a 1/1,000th interest in a share of 5.375% Non-Cumulative Preferred Stock, Series C	B	F	D	$11.71
BHFAOBrighthouse Financial, Inc. Depositary Shares 6.75% Non-Cum Pfd Series B	B	F	D	$14.64
CRBDCorebridge Financial, Inc. 6.375% Junior Subordinated Notes due 2064	C	D	D	$22.02
FGNF&G Annuities & Life, Inc. 7.950% Senior Notes due 2053	A	C	F	$24.49
FGSNF&G Annuities & Life, Inc. 7.300% Junior Subordinated Notes due 2065	A	C	F	$20.86
GLpDGlobe Life Inc. 4.25% Junior Subordinated Debentures due 2061	—	—	—	$0.00
PFHPrudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060	B	B	B	$15.39
PRHPrudential Financial, Inc. 5.950% Junior Subordinated Notes due 2062	B	B	B	$21.56
PRSPrudential Financial, Inc. 5.625% Junior Subordinated Notes due 2058	B	B	B	$20.64
RZBReinsurance Group of America, Incorporated 5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056	B	B	B	$0.00
RZCReinsurance Group of America, Incorporated 7.125% Fixed-Rate Reset Subordinated Debentures due 2052	B	B	B	$25.52

About Citizens, Inc.

Citizens Inc is an insurance holding company providing life insurance products across 32 U.S. states and over 70 countries worldwide. The company operates two business segments—Life Insurance and Home Service Insurance—with Life Insurance generating the majority of revenues. With significant international presence in markets including Colombia, Taiwan, Venezuela, Ecuador, and Argentina, Citizens Inc maintains a geographically diversified customer base.