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CIA Stock Chart & Stats
$3.89
-$0.08(-1.63%)
At close: 4:00 PM EDT
$3.89
-$0.08(-1.63%)
Day’s Range― - ―
52-Week Range$3.31 - $6.54
Previous Close$4.84
Volume116.67K
Average Volume (3M)119.24K
Market Cap
$178.77M
Enterprise Value$289.99M
Total Cash (Recent Filing)$31.87M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)15.3
Beta1.15
Next Earnings
Nov 05, 2026EPS Estimate
0.06Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.23
Shares Outstanding50,643,110
10 Day Avg. Volume105,590
30 Day Avg. Volume119,241
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap1.62
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit3.43
Enterprise Value/Ebitda19.41
Forecast
1Y Price Target
$5.50Price Target Upside41.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.18
Revenue Forecast (FY)$256.17M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and rising equity provide a durable financial buffer for Citizens. This supports resilience through credit or earnings pressure, preserves flexibility for lending and investment, and reduces the balance-sheet strain associated with debt servicing and refinancing.
Strong Earnings-to-Cash ConversionConsistent positive operating cash flow and close conversion of earnings into free cash flow indicate that reported profitability is supported by cash generation. That quality can strengthen internal funding capacity and provide a more durable base for ongoing banking operations.
Enhanced Enterprise Risk OversightCreating a dedicated Chief Risk Officer role and formalizing enterprise risk management is a structural governance improvement. Stronger coordination of risk oversight can support disciplined decision-making and help management address financial and operational risks more systematically.
Bears Say
Stagnant Revenue BaseA largely flat revenue base limits operating leverage and reduces the company’s ability to offset cost increases or weaker spreads through growth. Without sustained expansion in banking income, future earnings improvement may depend more heavily on efficiency and risk outcomes.
Profitability And Return CompressionThe decline in net margin and the much lower return on equity show that Citizens is generating less profit from its revenue and capital base than in earlier periods. This weakens earnings power and makes future growth harder unless spreads, costs, or credit performance improve.
Softening Cash-Flow MomentumAlthough cash generation remains positive, recent declines in free cash flow and operating cash flow indicate weaker momentum than in prior periods. Sustained softness could reduce internally generated funds available for balance-sheet growth, investment, or shareholder returns.
Citizens News
CIA FAQ
What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was $3.31 and its highest was $6.54 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is $178.77M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is Nov 05, 2026 which is in 13 days.
How were Citizens’s earnings last quarter?
Citizens released its earnings results on Aug 06, 2026. The company reported $0.01 earnings per share for the quarter, missing the consensus estimate of $0.07 by -$0.06.
Is Citizens overvalued?
According to Wall Street analysts Citizens’s price is currently Undervalued.
Does Citizens pay dividends?
Citizens does not currently pay dividends.
What is Citizens’s EPS estimate?
Citizens’s EPS estimate is 0.06.
How many shares outstanding does Citizens have?
Citizens has 50,643,110 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Citizens reported an EPS of $0.01 in its last earnings report, missing expectations of $0.07. Following the earnings report the stock price went down -16.849%.
Which hedge fund is a major shareholder of Citizens?
Currently, no hedge funds are holding shares in CIA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$5.50 (41.39% Upside)
$5.50 (41.39% Upside)
Blogger Sentiment
Bearish
CIA Sentiment 100%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Increased
By 1.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $301.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-34.23%
12-Months-Change
Fundamentals
Return on Equity
4.96%
Trailing 12-Months
Asset Growth
1.98%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Citizens
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.
CIA Stock 12 Month Forecast
Average Price Target
$5.50
▲(41.39% Upside)
Technical Analysis
Ownership Overview
2.47% Insiders
8.65% Mutual Funds
0.05% Other Institutional Investors
79.30% Public Companies and
Individual Investors