Citizens, Inc. (CIA)

Price$5.18

Value ScoreD

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-21.01%

Price vs S&P 500 (4W)-1.14%

VGM Score49.03

Market Capitalization$261.87M

P/E Ratio (Annual)17.95x

All Metrics

P/CF (Annual)14.56x

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)-0.91%

Net Profit Margin (TTM)7.12%

EPS (TTM)$0.36

10-Day Avg Trading Volume0.10M

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)14.17x

Revenue Growth QoQ (YoY)7.31%

P/E Normalized (Annual)17.95x

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 Ratio1.10x

P/B Ratio (Quarterly)1.06x

Net Income / Employee (Annual)$60,000

EV / Revenue (TTM)0.94x

ROA (TTM)1.06%

EPS Growth QoQ (YoY)101.99%

EV / EBITDA (TTM)10.98x

EPS Incl Extra (Annual)$0.28

Current Ratio (Annual)0.01x

Quick Ratio (Quarterly)0.00x

3-Month Avg Trading Volume0.11M

52-Week Price Return39.62%

EV / Free Cash Flow (Annual)13.87x

P/E Incl Extra (TTM)14.17x

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

Tangible BV / Share (Quarterly)$4.57

P/S Ratio (Annual)1.02x

Asset Turnover (Annual)0.15x

52-Week High$6.40

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-13.09%

Quick Ratio (Annual)0.01x

13-Week Price Return1.37%

Total Debt / Equity (Annual)0.00x

Current Ratio (Quarterly)0.03x

Enterprise Value$243.35M

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 Dev48.57%

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)14.93x

EV / Free Cash Flow (TTM)14.98x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$0.36

ROI (TTM)7.96%

P/S Ratio (TTM)1.01x

Pretax Margin (5Y Avg)3.62%

Revenue / Share (Annual)$4.97

Tangible BV / Share (Annual)$4.49

Forward P/E17.27x

Free OCF CAGR (5Y)-18.44%

Price vs S&P 500 (52W)15.26%

P/E Ratio (TTM)14.17x

EPS Growth TTM (YoY)111.40%

Year-to-Date Return7.25%

5-Day Price Return-3.36%

EPS Normalized (Annual)$0.28

ROA (5Y Avg)0.95%

Net Profit Margin (Annual)5.71%

Month-to-Date Return-0.19%

Cash Flow / Share (TTM)$0.36

EBITD / Share (Annual)$0.35

EPS Growth (3Y)-26.08%

Operating Margin (Annual)6.83%

P/CF (TTM)15.48x

ROI (5Y Avg)6.76%

P/E Excl Extra (TTM)14.17x

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)-6.88%

Beta0.49x

P/FCF (Annual)14.93x

Revenue / Share (TTM)$5.03

ROE (TTM)7.96%

52-Week Low$3.25

vGradeD

gGradeC

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.03est. 0.05

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.	D	C	C	$5.18
MFCManulife Financial Corp.	C	C	B	$38.71
METMetLife, Inc.	C	D	B	$84.49
SLFSun Life Financial Inc.	D	D	A	$73.72
PFHPrudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060	B	C	B	$16.25
PRHPrudential Financial, Inc. 5.950% Junior Subordinated Notes due 2062	B	C	B	$22.63
PRSPrudential Financial, Inc. 5.625% Junior Subordinated Notes due 2058	B	C	B	$21.96
PRUPrudential Financial, Inc.	B	C	B	$104.62
PUKPRUDENTIAL PLC ADS (REP 2 ORD SHARES)	D	C	D	$25.49
RGAReinsurance Group of America, Incorporated	B	B	C	$204.96
RZBReinsurance Group of America, Incorporated 5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056	B	B	C	$25.32

About

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.