NYSE: CIA
Citizens Inc Stock

$4.12+0.02 (+0.49%)
Updated May 14, 2025
CIA Price
$4.12
Fair Value Price
N/A
Market Cap
$206.62M
52 Week Low
$2.33
52 Week High
$5.95
P/E
22.89x
P/B
0.95x
P/S
0.94x
PEG
0.39x
Dividend Yield
N/A
Revenue
$242.94M
Earnings
$8.75M
Gross Margin
36.5%
Operating Margin
3.4%
Profit Margin
3.6%
Debt to Equity
6.8
Operating Cash Flow
$26M
Beta
0.81
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

CIA Overview

Citizens, Inc. is an insurance company. Its Life Insurance segment issues whole life insurance and endowment policies to non-U.S. residents in through independent marketing agencies and consultants. Its Home Service Insurance segment offers life insurance and property insurance policies to middle-and lower-income households 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 was founded in 1969 and is headquartered in Austin, TX.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CIA's potential to beat the market

DSell
  • Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Property & Casualty Insurance

Industry Rating
C
CIA
Ranked
#18 of 19

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$59.35C
$79.95C
$22.98C
View Top Property & Casualty Insurance Stocks

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CIA News

Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CIA scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CIA ($4.12) is trading below its intrinsic value of $4.56, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CIA is good value based on its earnings relative to its share price (22.89x), compared to the US market average (26.06x)
P/E vs Market Valuation
CIA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more CIA due diligence checks available for Premium users.

Valuation

CIA price to earnings (PE)

For valuing profitable companies with steady earnings

Company
22.89x
Industry
15.85x
Market
26.06x
CIA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIA is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CIA price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.95x
Industry
1.48x
CIA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CIA price to earnings growth (PEG)

For valuing profitable companies with growth potential

CIA is good value based... subscribe to Premium to read more.
PEG Value Valuation

CIA's financial health

Profit margin

Revenue
$55.7M
Net Income
-$1.6M
Profit Margin
-2.9%
CIA's Earnings (EBIT) of $8.27M... subscribe to Premium to read more.
Interest Coverage Financials
CIA's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.7B
Liabilities
$1.5B
Debt to equity
6.8
CIA's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
CIA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$748.0k
Investing
-$11.4M
Financing
-$231.0k
CIA's operating cash flow ($25.88M)... subscribe to Premium to read more.
Debt Coverage Financials

CIA vs Property & Casualty Insurance Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CIAD$206.62M+0.49%22.89x0.95x
AAME$34.68M-2.30%-17.00x0.34x
ABLC$11.91M+0.91%-34.27x0.03x
GNWD$2.87B-1.84%13.86x0.33x
BHFC$3.41B-0.72%7.36x0.65x

Citizens Stock FAQ

What is Citizens's quote symbol?

(NYSE: CIA) Citizens trades on the NYSE under the ticker symbol CIA. Citizens stock quotes can also be displayed as NYSE: CIA.

If you're new to stock investing, here's how to buy Citizens stock.

What is the 52 week high and low for Citizens (NYSE: CIA)?

(NYSE: CIA) Citizens's 52-week high was $5.95, and its 52-week low was $2.33. It is currently -30.7% from its 52-week high and 76.82% from its 52-week low.

How much is Citizens stock worth today?

(NYSE: CIA) Citizens currently has 50,149,966 outstanding shares. With Citizens stock trading at $4.12 per share, the total value of Citizens stock (market capitalization) is $206.62M.

Citizens stock was originally listed at a price of $6.50 in Dec 31, 1997. If you had invested in Citizens stock at $6.50, your return over the last 27 years would have been -36.62%, for an annualized return of -1.67% (not including any dividends or dividend reinvestments).

How much is Citizens's stock price per share?

(NYSE: CIA) Citizens stock price per share is $4.12 today (as of May 14, 2025).

What is Citizens's Market Cap?

(NYSE: CIA) Citizens's market cap is $206.62M, as of May 15, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens's market cap is calculated by multiplying CIA's current stock price of $4.12 by CIA's total outstanding shares of 50,149,966.
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