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Citizens, Inc. CIA · Stock Open Citizens, Inc. in new tab

4.66 USD
P/E
13.51
EPS
0.35
P/B
1.00
ROE
8.09
Beta
0.45
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Key Metrics
Earnings dateAug. 6, 2026
P/E13.51
EPS0.35
Book Value4.74
Price to Book1.00
Debt/Equity3.13
% Insiders11.416%
Growth
Revenue Growth0.07%
Earnings Growth1.00%
Estimates
Forward P/E13.14
Forward EPS0.36

DCF Valuation

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Currency: USD
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DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Citizens, Inc. Logo Citizens, Inc. Analysis (CIA)

United States Financials Official Website Stock

Is Citizens, Inc. a good investment? Citizens, Inc. (CIA) is currently trading at 4.66 USD.

In terms of valuation, the stock trades at a P/E ratio of 13.51. This relatively low multiple may signal that Citizens, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Citizens, Inc. is expected to release its next earnings report on Aug. 6, 2026. The market consensus estimate for Forward EPS is 0.36.

Investor FAQ

Does Citizens, Inc. pay a dividend?

No, it does not currently pay a dividend.

What asset class is Citizens, Inc.?

Citizens, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Aug. 6, 2026. The company currently has a trailing EPS of 0.35.

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.

Exchange Ticker
NYQ (United States) CIA
Trades
Dividend History paid per year (USD)
No dividend history available.
Stock Splits
Split Date Split Ratio to 1
Nov. 29, 1999 1.070000
Nov. 29, 2000 1.070000
April 29, 2002 1.150000
Nov. 26, 2003 1.070000
Nov. 29, 2004 1.070000
Dec. 13, 2005 1.070000
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