CIA - NYSE

Citizens, Inc.

CIA·NYSE

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$250.75M

EPS0.2900

P/E Ratio17.10

Earnings Date08/06/2026

cia

Net Receivables

Last Annual Value

11.30M

3-Year CAGR

-13%

5-Year CAGR

-8%

10-Year CAGR

14%

Adjust for Inflation

Citizens, Inc. Competitors Analysis of Net Receivables

CIA · NYSE

Company	Net Receivables	CAGR 3Y	CAGR 5Y	CAGR 10Y
Citizens, Inc. NYSE:CIA	11.30M	37.7%	-7.9%	15.6%
Graf Global Corp. AMEX:GRAF	0.00	N/A	N/A	N/A
Legato Merger Corp. III AMEX:LEGT	0.00	N/A	N/A	N/A
NewtekOne, Inc. NASDAQ:NEWT	38.67M	-34.4%	-4.6%	20.2%
PCB Bancorp NASDAQ:PCB	10.67M	4.1%	14.7%	0.6%
SUI Group Holdings Limited NASDAQ:SUIG	131.36K	-36.6%	-25.6%	N/A
FS Bancorp, Inc. NASDAQ:FSBW	14.61M	1.4%	14.0%	19.2%
Destiny Tech100 Inc. NYSE:DXYZ	7.46M	238.5%	N/A	N/A
Plumas Bancorp NASDAQ:PLBC	0.00	N/A	N/A	N/A
Citizens & Northern Corporation NASDAQ:CZNC	11.59M	8.3%	9.9%	11.3%
NI Holdings, Inc. NASDAQ:NODK	41.58M	-19.1%	-10.7%	N/A

Citizens, Inc. Fair Value Envelope

CIA · NYSE

Our analysis suggests that CIA has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $4.96, this represents a potential HIDDEN relative to our calculated worth for Citizens, Inc..

HIDDEN

Intrinsic Value

Current Price: $4.96

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