CIA
Citizens, Inc. NYSE Listed Dec 4, 1980$3.58
+2.87%
vs $3.48
Mkt Cap $181.0M
52w Low $3.39
6.0% of range
52w High $6.54
50d MA $4.30
200d MA $5.10
P/E (TTM)
15.3x
EV/EBITDA
10.8x
P/B
0.8x
Debt/Equity
0.0x
ROE
3.1%
P/FCF
10.4x
RSI (14)
38.40
ATR (14)
$0.18
Beta
0.48
50d MA
$4.30
200d MA
$5.10
Avg Volume
151.7K
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
11815 Alterra Pkwy · Austin, TX 78758 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aug 6, 2026 | AMC | 0.07 | 0.01 | -85.7% | 4.57 | -4.8% | -16.8% | +1.1% | -3.1% | +5.4% | -0.5% | — |
| May 7, 2026 | AMC | 0.05 | 0.03 | -40.0% | 5.66 | -2.1% | -7.4% | -0.6% | -1.5% | +0.0% | +2.5% | — |
| Mar 12, 2026 | AMC | 0.08 | 0.11 | +37.5% | 4.90 | +7.1% | -6.5% | +5.5% | -0.4% | -3.7% | +0.0% | — |
| Nov 6, 2025 | AMC | 0.06 | 0.07 | +16.7% | 5.75 | -1.0% | +5.7% | +0.5% | -6.4% | -0.5% | +0.0% | — |
| Aug 7, 2025 | AMC | 0.04 | 0.13 | +225.0% | 4.29 | +0.9% | +6.8% | +5.5% | +5.4% | +1.0% | -1.2% | — |
| May 8, 2025 | AMC | 0.05 | 0.02 | -60.0% | 4.01 | -2.7% | -5.7% | +5.6% | +2.8% | +0.5% | -0.2% | — |
| Mar 13, 2025 | AMC | 0.10 | 0.07 | -30.0% | 4.49 | -1.6% | +4.0% | +9.0% | -4.1% | +5.5% | +2.1% | — |
| Nov 7, 2024 | AMC | 0.08 | 0.05 | -37.5% | 5.02 | -0.4% | -5.4% | -5.9% | -2.0% | +0.2% | +3.0% | — |
| Aug 6, 2024 | AMC | 0.06 | 0.08 | +33.3% | 2.47 | +1.2% | +1.6% | +3.6% | +7.7% | -1.4% | -1.1% | — |
| May 7, 2024 | AMC | 0.06 | 0.09 | +50.0% | 2.12 | +3.8% | +11.8% | -1.3% | +5.6% | +4.5% | -1.2% | — |
| Mar 14, 2024 | AMC | — | 0.21 | — | 2.31 | -0.9% | -5.6% | +1.4% | -2.7% | -2.8% | -5.7% | — |
| Nov 6, 2023 | AMC | — | 0.05 | — | 3.06 | -2.0% | -4.9% | -1.4% | +3.1% | +3.4% | +2.9% | — |
| Aug 4, 2023 | AMC | — | 0.12 | — | 2.83 | +1.1% | +2.5% | +0.0% | +4.8% | +3.3% | -5.1% | — |
| May 8, 2023 | AMC | — | 0.10 | — | 1.74 | +0.0% | -2.9% | +1.2% | +9.9% | +2.1% | +7.3% | — |
| Mar 13, 2023 | AMC | — | 0.07 | — | 3.20 | -2.5% | -3.1% | -1.9% | -0.3% | -3.3% | +2.0% | — |
No analyst ratings available.
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Aug 31, 2026 | HARWOOD MICHAEL PHILIPDir | — | Buy | 10,000 | $3.80 | $38K | 11,095 | +2.10% | -5.50% |
| Aug 11, 2026 | Hoxworth Seth AlanOff | Chief Actuary | Buy | 5,376 | $3.83 | $21K | 11,193 | +1.79% | -1.81% |
| Aug 11, 2026 | Stenberg JonDir/Off | President & CEO | Buy | 12,000 | $3.65 | $44K | 389,574 | -0.51% | +1.84% |
| Aug 10, 2026 | Stenberg JonDir/Off | President & CEO | Buy | 50,000 | $3.99 | $200K | 377,574 | +5.38% | -0.52% |
| May 21, 2026 | Stenberg JonDir/Off | President & CEO | Buy | 10,000 | $4.82 | $48K | 327,574 | +2.17% | +2.43% |
8-K
Citizens, Inc. -- 8-K Filing
Jun 18
8-K
Unknown — 8-K Filing
CIA's adjusted pre-tax income fell 19% year-over-year despite modest nominal growth, signaling operational deterioration that could pressure earnings and dividends for income-focused investors.
Mar 12
8-K · 5.02
!!! Very High
Unknown — 8-K 5.02: Executive Change
CIA's CFO transition effective April 1, 2026, creates near-term execution risk and potential accounting oversight concerns during the leadership change, warranting investor scrutiny of replacement quality and internal controls.
Mar 10
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Blackrock, Inc. | 3,578,569 | $21M | New | Jun 2026 |
| 2 | Continental General Insurance Co | 2,551,649 | $13M | Added | Mar 2026 |
| 3 | Vanguard Capital Management Llc | 1,985,149 | $11M | Added | Jun 2026 |
| 4 | First Eagle Investment Management, Llc | 584,050 | $3M | — | Jun 2026 |
| 5 | Ubs Group Ag | 646,373 | $3M | Reduced | Mar 2026 |
| 6 | Vanguard Portfolio Management Llc | 307,505 | $2M | Added | Jun 2026 |
| 7 | Northern Trust Corp | 344,479 | $2M | Added | Mar 2026 |
| 8 | Empowered Funds, Llc | 256,777 | $1M | New | Jun 2026 |
| 9 | Renaissance Technologies Llc | 162,394 | $932K | Reduced | Jun 2026 |
| 10 | Barclays Plc | 141,021 | $709K | Reduced | Mar 2026 |
| 11 | Bank Of New York Mellon Corp | 113,136 | $569K | Reduced | Mar 2026 |
| 12 | Morgan Stanley | 116,720 | $564K | Added | Dec 2025 |
| 13 | Merit Financial Group, Llc | 85,744 | $492K | New | Jun 2026 |
| 14 | Arrowstreet Capital, Limited Partnership | 89,099 | $448K | — | Mar 2026 |
| 15 | Nuveen, Llc | 61,184 | $351K | — | Jun 2026 |
| 16 | Bank Of America Corp /de/ | 42,405 | $213K | Added | Mar 2026 |
| 17 | Rhumbline Advisers | 36,420 | $209K | New | Jun 2026 |
| 18 | Invesco Ltd. | 31,434 | $158K | Reduced | Mar 2026 |
| 19 | Metlife Investment Management, Llc | 25,621 | $147K | New | Jun 2026 |
| 20 | Metis Global Partners, Llc | 24,093 | $138K | New | Jun 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$181.0M
Enterprise Value
$160.6M
P/E (TTM)
15.35x
Forward P/E
11.93x
PEG Ratio
2.24x
P/B
0.76x
P/S
0.72x
P/FCF
10.41x
EV/EBITDA
10.82x
Shares Out
51.0M
Financials (TTM)
Revenue
$253.5M
Net Income
$11.6M
EBITDA
$14.8M
Free Cash Flow
$17.5M
Op Cash Flow
$18.0M
EPS Basic
$0.29
EPS Diluted
$0.23
EPS Forward
$0.30
Gross Margin
33.4%
Op Margin
5.6%
Net Margin
4.6%
Balance Sheet
Total Assets
$245.8M
Total Liab.
$10.8M
Total Equity
$235.0M
Cash
$22.0M
LT Debt
$0
Book Value/Sh
$4.69
Debt/Equity
0.03x
Current Ratio
0.53
Quick Ratio
0.53
Returns & Growth
ROE
3.1%
ROA
0.4%
ROIC
-102.7%
Rev Growth YoY
+4.3%
EPS Growth YoY
+7.4%
Price Returns
2W
-9.8%
1M
-7.5%
3M
-39.1%
6M
-22.7%
12M
-39.2%
Technicals
52W High
$6.54
52W Low
$3.39
50d MA
$4.30
200d MA
$5.10
RSI (14)
38.40
ATR (14)
$0.18
Beta
0.48
Avg Volume
152K
Dividends
Div Rate
$0.00
Div Yield
—
Frequency
—
Ex-Div Date
—
Analyst Price Targets
Consensus
$3.70
High
$3.70
Low
$3.70
Median
$3.70
Data updated apr 25, 2026 1:22am
· Source: financialmodelingprep.com