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

Cost of Revenue

Last Annual Value

165.03M

3-Year CAGR

12%

5-Year CAGR

-3%

10-Year CAGR

Adjust for Inflation

Citizens, Inc. Competitors Analysis of Cost of Revenue

CIA · NYSE

Company	Cost of Revenue	CAGR 3Y	CAGR 5Y	CAGR 10Y
Citizens, Inc. NYSE:CIA	165.03M	N/A	6.2%	N/A
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	79.60M	0.1%	31.2%	18.0%
PCB Bancorp NASDAQ:PCB	97.69M	16.0%	N/A	26.5%
SUI Group Holdings Limited NASDAQ:SUIG	0.00	N/A	N/A	N/A
FS Bancorp, Inc. NASDAQ:FSBW	72.76M	14.3%	48.1%	27.2%
Destiny Tech100 Inc. NYSE:DXYZ	4.15M	23.5%	13.8%	N/A
Plumas Bancorp NASDAQ:PLBC	20.73M	39.9%	55.8%	27.5%
Citizens & Northern Corporation NASDAQ:CZNC	53.44M	17.1%	39.2%	27.0%
NI Holdings, Inc. NASDAQ:NODK	200.79M	-7.6%	-6.5%	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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