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Citizens Inc

Citizens Inc

CIA

NYSE
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Citizens Inc

CIA

NYSE
$4.140.33% (+0.01)
$
₹
$4.140.33% (+0.01)
High
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Low
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Returns
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Financial Services

Insurance - Life

Micro Cap

With a market cap of $209.2M the stock is ranked 4249

Key Metrics

Key Metrics

PE TTM
PE TTM

Close price divided by the earnings per share for the trailing twelve months

18.77
PB
PB

Close price divided by the book value per share at the end of the most recent quarter

0.80
EPS TTM
EPS TTM

Net profit earned per share over the trailing twelve months (sum of the last 4 quarters)

$0.22
PEG Ratio
PEG Ratio

Price-to-Earnings (P/E) ratio divided by the forecasted annual earnings per share (EPS) growth rate over the next five years

1.20
Profit Margin
Profit Margin

Net profit divided by the total revenue for the most recent financial year

4.55%
Dividend Yield
Dividend Yield

Annual dividend per share for the trailing twelve months divided by the close price

—

Analyst Ratings & Forecast

Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 

Based on 1 analyst's reports

Buy
1 analyst
Hold
0 analyst
Sell
0 analyst

Price Upside

+27.12%

Earnings Growth

-63.64%

Rev. Growth

+0.22%

See Detailed Forecast

Company Profile

Company Profile

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 segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
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 segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Peers

Compare with peers Compare with peers 

Peers

Compare with peers Compare with peers 
Berkshire Hathaway Inc
BRK.A
Berkshire Hathaway Inc
P/E Ratio
14.57
14.57
1Y Return
16.37%
16.37%
Buy Reco %
25.00
25.00
Manulife Financial Corp
MFC
Manulife Financial Corp
P/E Ratio
17.22
17.22
1Y Return
33.28%
33.28%
Buy Reco %
60.00
60.00
MetLife Inc
MET
MetLife Inc
P/E Ratio
19.71
19.71
1Y Return
26.77%
26.77%
Buy Reco %
72.22
72.22
Aflac Incorporated
AFL
Aflac Incorporated
P/E Ratio
13.47
13.47
1Y Return
12.63%
12.63%
Buy Reco %
20.00
20.00
Sun Life Financial Inc.
SLF
Sun Life Financial Inc.
P/E Ratio
19.15
19.15
1Y Return
20.46%
20.46%
Buy Reco %
50.00
50.00
Compare with Peers

Forecast

Forecast

Price

Revenue

Earnings

Price Forecast

Price Forecast

Higher price growth forecast versus trailing 3-year CAGR
Compares analyst forecast growth with historical annualized growth.

The 12-month consensus target implies 27.12% growth, versus a trailing 3-year CAGR of 10.51%.

2026
Current$4.13Baseline
Analyst Target - 1 year
Target$5.25+27.12%

All values in $

202220232024202520262027$2.88$3.85$4.81Target+27.12%
2026
Current$4.13Baseline
Analyst Target - 1 year
Target$5.25+27.12%

All values in $

Revenue Forecast

Revenue Forecast

Lower revenue growth forecast versus trailing 3-year CAGR
Compares analyst forecast growth with historical annualized growth.

The next fiscal year's mean estimate implies 0.22% growth, versus a trailing 3-year CAGR of 3.21%.

2025
Current$255.61Baseline
Forecast for Dec 2026
High$256.67+0.41%
Average$256.17+0.22%
Low$255.67+0.02%

All values in $ Million

202120222023202420252026250.53232.52240.68245.00255.61Low+0.02%Average+0.22%High+0.41%
2025
Current$255.61Baseline
Forecast for Dec 2026
High$256.67+0.41%
Average$256.17+0.22%
Low$255.67+0.02%

All values in $ Million

Earnings Per Share Forecast

Earnings Per Share Forecast

2025
Current$0.33Baseline
Forecast for Dec 2026
High$0.12-63.64%
Average$0.12-63.64%
Low$0.12-63.64%

All values in $

2021202220232024202520260.72-0.130.490.370.33Low-63.64%Average-63.64%High-63.64%
2025
Current$0.33Baseline
Forecast for Dec 2026
High$0.12-63.64%
Average$0.12-63.64%
Low$0.12-63.64%

All values in $

Financials

Financials

Income

Balance Sheet

Cash Flow

62.8
2.4
72
7.3
58.2
2.2
60.4
-0.4
Q3 2025
Q4 2025
Q1 2026
Q2 2026
Revenue
Net Income
Financial YearQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
Total Revenue57.7162.0861.7363.4755.6565.0862.8072.0758.2260.40
Net Income4.543.952.793.62-1.626.452.417.332.26-0.42
Net Profit Margin7.87%6.37%4.51%5.70%-2.91%9.92%3.84%10.18%3.89%-0.70%
See CostsAll values in $ Million

Peers

Peers & Comparison

Peers & Comparison

Comparing 2 stocks from
Financial ServicesInsurance - Life

Valuation

Returns

Forecast

ScreenerCompare valuation on Screener
StockPE TTMPE TTMPBPBPEG RatioPEG Ratio
Citizens Inc 18.770.801.20
Berkshire Hathaway Inc14.571.599.68
Manulife Financial Corp17.222.220.93
ScreenerCompare valuation on Screener

Price Comparison

Price Comparison

Compare CIA with any stock or ETF
Compare CIA with any stock or ETF
Comparing from
CIA
BRK.A
MFC
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Frequently asked questions

  1. Citizens Inc (CIA) share price today is $4.14 as of November 6, 2026 at 2:29 AM IST. The stock touched a day high of $4.22 and a day low of $4.09.

  2. Citizens Inc stock trades on NYSE under the ticker symbol CIA.

  3. Citizens Inc's market capitalization is $209.15M as of November 6, 2026 at 2:29 AM IST.

  4. Citizens Inc's price-to-earnings (P/E) ratio is 18.77 as of November 6, 2026.

  5. Citizens Inc's price-to-book (P/B) ratio is 0.80 as of November 6, 2026.

  6. Yes, You can buy Citizens Inc shares from India through Tickertape, via our partnership with ViewTrade IFSC under the IFSCA Global Access framework, subject to RBI’s Liberalised Remittance Scheme (LRS) limits.

  7. Indian investors can buy Citizens Inc shares in three steps: 1. Search Citizens Inc on the Tickertape app and tap Invest. 2. Complete your one-time digital KYC. 3. Fund your account and buy from as low as $1 via fractional shares.

  8. Since Citizens Inc trades in USD, an Indian investor's INR returns depend on both the stock's price movement and the USD-INR exchange rate. If the rupee depreciates against the dollar, INR returns are boosted beyond the stock's USD return; if the rupee appreciates, INR returns are reduced.

  9. Indian investors can start investing in Citizens Inc (CIA) shares from as little as $1 through fractional ownership on Tickertape - for example, $10 buys approximately 2.4131 shares at the current price of $4.14.

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