Citizens, Inc.

Citizens, Inc.

CIA·NYSE

$5.49

-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$277.54M
EPS0.2900
P/E Ratio16.59
Earnings Date08/06/2026

cia

Operating Expenses

Last Annual Value

73.12M

3-Year CAGR

-6%

5-Year CAGR

4%

10-Year CAGR

9%

Citizens, Inc.

Citizens, Inc. Competitors Analysis of Operating Expenses

CIA · NYSE
CompanyOperating Expenses
CAGR 3Y
CAGR 5Y
CAGR 10Y
73.12M
15.8%-5.6%N/A 
1.83M
733.6%N/AN/A
1.04M
70.0%N/AN/A
NEWT logo
NewtekOne, Inc.
NASDAQ:NEWT
105.78M
-6.2%11.2%12.8%
PCB logo
PCB Bancorp
NASDAQ:PCB
59.20M
1.8%6.5%6.3%
266.09M
318.1%187.9%N/A
FSBW logo
FS Bancorp, Inc.
NASDAQ:FSBW
100.00M
3.1%6.4%10.6%
-51.21M
N/AN/AN/A
PLBC logo
Plumas Bancorp
NASDAQ:PLBC
47.93M
8.9%13.2%9.9%
72.11M
-0.2%3.4%7.9%
96.59M
48.8%24.9%-5.1%
Citizens, Inc.

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 $5.49, this represents a potential HIDDEN relative to our calculated worth for Citizens, Inc..

Intrinsic Value
Current Price: $5.49