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

EPS

Last Annual Value

0.29

3-Year CAGR

58%

5-Year CAGR

27%

10-Year CAGR

20%

Adjust for Inflation

Citizens, Inc. Competitors Analysis of EPS

CIA · NYSE

Company	EPS	CAGR 3Y	CAGR 5Y	CAGR 10Y
Citizens, Inc. NYSE:CIA	0.29	-16.0%	N/A	21.9%
Graf Global Corp. AMEX:GRAF	0.28	N/A	N/A	N/A
Legato Merger Corp. III AMEX:LEGT	0.31	N/A	N/A	N/A
NewtekOne, Inc. NASDAQ:NEWT	2.40	8.3%	-8.2%	2.5%
PCB Bancorp NASDAQ:PCB	2.62	7.0%	-0.3%	8.9%
SUI Group Holdings Limited NASDAQ:SUIG	-6.59	N/A	N/A	N/A
FS Bancorp, Inc. NASDAQ:FSBW	4.34	-2.1%	-0.4%	9.1%
Destiny Tech100 Inc. NYSE:DXYZ	3.54	N/A	N/A	N/A
Plumas Bancorp NASDAQ:PLBC	4.60	-3.3%	3.8%	11.6%
Citizens & Northern Corporation NASDAQ:CZNC	1.46	-2.4%	-5.3%	1.2%
NI Holdings, Inc. NASDAQ:NODK	-0.50	N/A	N/A	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

Related Guides

Blog Categories

Continue your CIA research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.