CIA

$4.81

Market ClosedAs of Mar 17, 8:00 PM UTC

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 (Line)
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Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$4.81
Potential Upside
12.4%
Whystock Fair Value$5.41
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryInsurance - Life

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).
$241.93M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
17.18
Beta
Defensive asset. Lower volatility than the S&P 500.
0.45
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
6.55%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
0.35

Recent News

Zacks
Mar 12, 2026

Citizens (CIA) Q4 Earnings and Revenues Surpass Estimates

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?

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Associated Press Finance
Mar 12, 2026

Citizens: Q4 Earnings Snapshot

On a per-share basis, the Austin, Texas-based company said it had profit of 14 cents. Earnings, adjusted for non-recurring gains, were 11 cents per share. The insurance company posted revenue of $72.1 million in the period.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Feb 26, 2026

The Baldwin Insurance Group (BWIN) Surpasses Q4 Earnings Estimates

The Baldwin Insurance Group (BWIN) delivered earnings and revenue surprises of +7.83% and -1.99%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Feb 24, 2026

Brighthouse Financial (BHF) Q4 Earnings and Revenues Miss Estimates

Brighthouse Financial (BHF) delivered earnings and revenue surprises of -24.31% and -2.71%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?

NEUTRAL
Neutral flow. Standard news cycle with no clear sentiment tilt.
Zacks
Feb 19, 2026

F&G Annuities & Life, Inc. (FG) Q4 Earnings Miss Estimates

F&G Annuities & Life, Inc. (FG) delivered earnings and revenue surprises of -32.09% and +14.09%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?

NEUTRAL
Neutral flow. Standard news cycle with no clear sentiment tilt.