Financial Services
Citizens, Inc.(CIA)
Live Price
Offline$5.42
+2.26% today
1Y Change
+71.08%
Window
Jun 25, 2025 โ Jun 17, 2026
- Market Cap
- $280.00M
- Revenue Growth
- +4.3%
- EPS Growth
- +7.4%
- Dividend Yield
- 0.0%
Coverage: 246 bars ยท Jun 25, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Citizens, Inc. (CIA) is a Financial Services stock with a market cap of $280.00M and listed on NYSE. The stock last traded around $5.42 and up 71.1% across the available one-year price window (Jun 25, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of +4.3%, EPS growth of +7.4%, a dividend yield of 0.0%. What stands out right now is revenue +4.3%, EPS +7.4%, free cash flow -43.9% with operating margin 6.8% and ROIC -31.4%. Valuation is more restrained than many high-expectation growth names at P/E 18.9 and price/sales 1.1. Stock Foundry combines CIA price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+4.3% vs +3.4% peer median
Operating Margin
Above sector median
+6.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 14, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +4.3% and EPS at +7.4%, with operating margin around 6.8%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -4.2% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 14, 2026 | โ | -0.8% | -6.1% | +5.7% |
2026 Mar 12, 2026 | +37.5% | -6.5% | -5.5% | +9.4% |
2025 Nov 6, 2025 | +16.7% | +5.7% | -1.0% | -12.2% |
Benchmark Edge
CIA vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CIA
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CIA Max Drawdown
-27.05%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CIA and SPY.
Company Overview
Citizens, Inc.
NYSE
Citizens, Inc. is an insurance holding company that primarily provides life insurance to individuals across international markets. The company's primary function is to offer a variety of insurance products, including ordinary whole life policies, endowment policies, and credit life insurance. These products are designed to provide death benefits, cash value accumulation, and life coverage to policyholders, emphasizing long-term security and financial planning. Citizens, Inc. operates in diverse geographic regions, focusing on Latin America and the United States, thereby playing a crucial role in the life insurance sector within these markets. Through its subsidiaries, the company has established a significant presence in serving niche markets, offering tailored insurance solutions that meet local regulatory and customer needs. In the financial market, Citizens, Inc. contributes to the insurance segment, influencing investment and underwriting practices within its operational territories. The company's adaptive strategies and focus on growing markets underscore its importance in expanding life insurance accessibility and ensuring financial protection for various communities. Founded in 1969 and headquartered in Austin, Texas, Citizens, Inc. continues to evolve in response to demographic and economic shifts.
- Leadership
- Mr. Jon Scott Stenberg
- Employees
- 243
- Street Address
- 11815 Alterra Parkway, Suite 1500
- Mailing
- Austin, TX, 78758
- Region
- Austin, TX, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 18.9
- EV/EBITDA
- 15.3
- Price/Sales
- 1.1
- Price/Book
- 1.2
Growth
- Revenue
- +4.3%
- EPS
- +7.4%
- Free Cash Flow
- -43.9%
Profitability
- Gross Margin
- 35.4%
- Operating Margin
- 6.8%
- Net Margin
- 5.7%
- ROE
- 6.4%
- ROIC
- -31.4%
Balance Sheet
- Debt/Equity
- 0.03
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.