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CIA
$5.38-0.02 (-0.37%)
Market ClosedLast close May 1
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Citizens, Inc. in the Financial Services sector is trading at $5.38. The stock is currently 16% below its 52-week high of $6.40, remaining 1.7% above its 200-day moving average. Technical signals show neutral RSI of 42 and bearish MACD signal, explaining why CIA maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 42) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$5.38
Potential Downside
3.1%
Whystock Fair Value$5.21
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$279.67M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
19.86
Beta
Defensive asset. Lower volatility than the S&P 500.
0.48
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
6.21%
Volume
Today's trading volume
26,719
Recent News
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Citizens Conference: CEO Stenberg touts U.S. pivot, white-label growth and product modernization push
Citizens (NYSE:CIA) President and CEO Jon Stenberg told investors the life insurer is focused on balancing the stability of its U.S. operations with growth opportunities abroad, while expanding domestic distribution through white-label partnerships and modernizing its product set to enter new market
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Citizens (CIA) delivered earnings and revenue surprises of +37.50% and +3.39%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?