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Citizens, Inc. logo

Citizens, Inc.

CIA

NYSEFinancial ServicesInsurance - Life

Open in GoAI

Regular session

$3.94

+$0.18 · +4.79%

Aug 24, 3:58 PM ET

CIA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

82

Deep Value

Momentum

44

Neutral

Sentiment

61

Bullish

Risk resilience

55

Elevated Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Jon Scott Stenberg
Listed since
Dec 4, 1980
Employees
245

Market position

Day range

Current $3.94

52-week range

Current $3.94

Open
$3.79
Previous close
$3.76
Volume
102.89K
0.87× average
Average volume
118K
Average daily volume
Market cap
199.18M USD
Beta
0.46
Market reference 1
50-day average
$5.0782
-22.41% below average
200-day average
$5.2935
-25.57% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
220.62M USD
P/E (TTM)
16.78×
P/B (TTM)
0.84×
P/S (TTM)
0.79×
EV / EBITDA
12.11×
Earnings yield
6.03%
Free cash flow yield
7.25%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
33.39%
Operating margin
5.60%
Net margin
4.57%
Return on equity
6.21%
Return on assets
0.83%
Return on invested capital
0.85%

Financial health

Debt / equity
0×
Current ratio
1.93×
Altman Z-score
0.27
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%72%34%-4%Gross margin, FY2021: 51.14%Gross margin, FY2022: 49.37%Gross margin, FY2023: 100.00%Gross margin, FY2024: 49.68%Gross margin, FY2025: 35.44%Operating margin, FY2021: 12.18%Operating margin, FY2022: 11.77%Operating margin, FY2023: 80.42%Operating margin, FY2024: 6.11%Operating margin, FY2025: 6.83%Net margin, FY2021: 29.02%Net margin, FY2022: 11.18%Net margin, FY2023: 10.15%Net margin, FY2024: 6.09%Net margin, FY2025: 5.71%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 51.14%. Gross margin FY2022 49.37%. Gross margin FY2023 100.00%. Gross margin FY2024 49.68%. Gross margin FY2025 35.44%. Operating margin FY2021 12.18%. Operating margin FY2022 11.77%. Operating margin FY2023 80.42%. Operating margin FY2024 6.11%. Operating margin FY2025 6.83%. Net margin FY2021 29.02%. Net margin FY2022 11.18%. Net margin FY2023 10.15%. Net margin FY2024 6.09%. Net margin FY2025 5.71%.

Income trends

Revenue

255.62M USD+4.33%

Operating income

17.47M USD+16.62%

Net income

14.59M USD-2.15%
Income trends across reported periods279.72M USD183.31M USD86.9M USD−9.51M USDRevenue, FY2021: 250.53M USDRevenue, FY2022: 232.52M USDRevenue, FY2023: 240.68M USDRevenue, FY2024: 245M USDRevenue, FY2025: 255.62M USDOperating income, FY2021: 30.51M USDOperating income, FY2022: 27.38M USDOperating income, FY2023: 193.55M USDOperating income, FY2024: 14.98M USDOperating income, FY2025: 17.47M USDNet income, FY2021: 72.71M USDNet income, FY2022: 26.01M USDNet income, FY2023: 24.44M USDNet income, FY2024: 14.91M USDNet income, FY2025: 14.59M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 250.53M USD. Revenue FY2022 232.52M USD. Revenue FY2023 240.68M USD. Revenue FY2024 245M USD. Revenue FY2025 255.62M USD. Operating income FY2021 30.51M USD. Operating income FY2022 27.38M USD. Operating income FY2023 193.55M USD. Operating income FY2024 14.98M USD. Operating income FY2025 17.47M USD. Net income FY2021 72.71M USD. Net income FY2022 26.01M USD. Net income FY2023 24.44M USD. Net income FY2024 14.91M USD. Net income FY2025 14.59M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue255.62M USD245M USD240.68M USD232.52M USD250.53M USD
Cost of goods sold165.03M USD123.28M USD—117.74M USD122.4M USD
Gross profit90.59M USD121.72M USD240.68M USD114.79M USD128.13M USD
Selling, general, and administrative—52.27M USD47.13M USD45.18M USD43.37M USD
Operating expenses73.12M USD106.74M USD47.13M USD87.41M USD97.62M USD
Depreciation and amortization741K USD619K USD1.12M USD536K USD1.14M USD
Operating income17.47M USD14.98M USD193.55M USD27.38M USD30.51M USD
Net income14.59M USD14.91M USD24.44M USD26.01M USD72.71M USD

Company facts updated Aug 24, 2026.

CIA news

newsfilecorp.com

Citizens, Inc. Reports Second Quarter 2026 Financial Results

Austin, Texas--(Newsfile Corp. - August 6, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results…

Read source
marketbeat.com

Champion Iron Q1 Earnings Call Highlights

Champion Iron TSE: CIA reported first-quarter fiscal 2027 production of about 3.9 million tonnes of high-grade iron ore across its Bloom Lake and Rana Gruber operations, while sales totaled about 3.3 million tonnes. The…

Read source
zacks.com

Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar?

Citizens (CIA) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.

Read source
newsfilecorp.com

Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026

Austin, Texas--(Newsfile Corp. - June 9, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced…

Read source
seekingalpha.com

Champion Iron Limited (CIA:CA) Q4 2026 Earnings Call Transcript

Champion Iron Limited (CIA:CA) Q4 2026 Earnings Call Transcript

Read source

Corporate actions

Corporate action history

Stock split

Effective Dec 13, 2005

107:100

Stock split

Effective Nov 29, 2004

107:100

Stock split

Effective Nov 26, 2003

107:100

Stock split

Effective Apr 29, 2002

23:20

Stock split

Effective Nov 29, 2000

107:100

Stock split

Effective Nov 29, 1999

107:100

CIA peers

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Bank of America Corporation logo

BAC

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$62.44

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ETFs holding CIA

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
6.71M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.1-0.30%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
4.63M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$297.92-0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.46M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.43-0.86%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.75M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.09-0.32%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.22M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.46-0.66%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.01M
Weight
0.04%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.49-0.44%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
597.69K
Weight
0.04%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$196.32-0.92%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
321.12K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.60-0.62%

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