Citizens, Inc.

Citizens, Inc.

CIAยทNYSE

$4.96

-9.7%
Financial ServicesInsurance - Life

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products 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, Inc. was founded in 1969 and is headquartered in Austin, Texas.

At a Glance

Live Snapshot
Market Cap$250.75M
EPS0.2900
P/E Ratio17.10
Earnings Date08/06/2026
0.00%
Dividend Yield
3Y-
5Y-
10Y-
0.00%
Dividend Payout Ratio
3Y-
5Y-
10Y-
Citizens, Inc.

Citizens, Inc. Dividend History

CIA ยท NYSE
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

CIA Dividend Payment History

CIA ยท NYSE
DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
No dividend payment history available
cia

Citizens, Inc. Payout Ratio Analysis

CIA ยท NYSE
Dividends Paid
0.00
2025
Net Income
14.59M
2025
Payout Ratio
0.00%
2025

Dividend Sustainability Analysis

Payout Ratio
0.00%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
0.0%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Sustainability
Fair

Dividend sustainability questionable. Monitor closely for signs of stress. Consider whether yield justifies the risk.