Citizens, Inc. (CIA) stock
Close on Nov 12, 2026Market cap $185.86MP/E –Yield –
Citizens, Inc. grew revenue 4.1% to $257.24M over the twelve months to Sep 30, 2026. Free cash flow was $21.08M, up 9.4% from a year earlier. At the latest close the market valued the company at $185.86M.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $185.86M
- P/E ratio
- –
- Price to sales
- 0.72
- Price to book
- 0.84
- Dividend yield
- –
- Free cash flow yield
- 11.34%
Fundamentals
- Revenue
- $257.24M
- Net income
- $8.76M
- Free cash flow
- $21.08M
Trading
- Next earnings
- Mar 11, 2027 (estimated, after the close)
- Previous close
- $4.03
- Open
- $4.05
- Day's range
- $3.65 – $4.08
- Volume
- 148,494
- Average volume (20 days)
- 130,305
- Index membership
- Russell 2000 (since Jun 2025)
- Beta (5 years)
- 0.82
- 52-week range
- $3.31 – $6.54
- RSI (14 days)
- 45.3
- Volatility (1 year)
- 51.9%
- Relative volume
- 1.17×
- WACC
- 9.1%
Index membership is inferred from the holdings of funds that track each index (IWM), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | CIA | S&P 500 | Difference | CIA per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.9% | -2.7% | +7.6 pts | ||
| 3 months | -6.4% | -1.7% | −4.6 pts | ||
| Year to date | -24.0% | +11.9% | −35.9 pts | ||
| 1 year | -35.5% | +12.0% | −47.5 pts | ||
| 3 years | +19.9% | +78.2% | −58.2 pts | +6.2% | +21.2% |
| 5 years | -43.6% | +73.2% | −116.9 pts | -10.8% | +11.6% |
| 10 years | -61.4% | +309.6% | −371.0 pts | -9.1% | +15.1% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
Free cash flow
Press releases
Releases Citizens filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Results
- Results
- Results
- Results
About Citizens
Life Insurance
Citizens, Inc. is an insurance holding company providing life insurance and financial products across two business segments: International Insurance and Domestic Insurance. The international segment issues U.S. dollar-denominated whole life policies, endowments, and living benefits, serving middle- and upper-middle-class individuals abroad. The domestic segment sells life insurance, concentrating on simplified-issue final expense policies to assist families and lower-income individuals with funeral costs, alongside burial and critical illness coverage.
Company profile, executives and historyCitizens stock: common questions
What is Citizens's stock price?
CIA closed at $3.67 on Nov 12, 2026, down 8.93% on the day. Over the past 52 weeks it traded between $3.31 and $6.54.
What is Citizens's market cap?
Citizens was worth $185.86M at the close on Nov 12, 2026: the share price times the diluted shares outstanding.
How much revenue does Citizens make?
Citizens reported revenue of $257.24M for the twelve months to Sep 30, 2026, up 4.1% from a year earlier.
Does Citizens pay a dividend?
No. Citizens has not paid a cash dividend over the last twelve months.
When does Citizens report earnings next?
Citizens is expected to report Q4 FY2026 results on Mar 11, 2027, after the close. The date is estimated from its past reporting pattern until the company confirms it.
How has CIA stock performed over the past year?
Including dividends, CIA returned -35.5% over the past year, against +12.0% for the S&P 500.
How many CIA shares are sold short?
5M shares were sold short at the latest FINRA report, 9.37% of the float, or 39.1 days of average trading volume.
Who are Citizens's competitors?
Companies most similar to Citizens by business, industry and size include AAME, UTGN, GL, PRI, ANG.PD.
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