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Citizens, Inc. (CIA)

Citizens, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Citizens, Inc. (CIA) is a Insurance - Life company based in US with a market capitalization of $267.9M. Revenue grew 4.3% year-over-year and the company generated $17.5M in free cash flow. This page tracks CIA's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 247 employees · IPO Dec 4, 1980

Valuation

Valuation & price

$5.22 · as of May 17, 2026 · -18.2% vs 52w high

18.2

P/E ratio

Latest-FY diluted EPS

1.14

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$6.38$4.84$3.30Jul 25Dec 25Jul 26Jul 7, 25$3.51Jul 9, 25$3.47Jul 11, 25$3.42Jul 15, 25$3.30Jul 17, 25$3.50Jul 21, 25$3.65Jul 23, 25$4.12Jul 25, 25$4.09Jul 29, 25$4.10Jul 31, 25$3.82Aug 4, 25$4.20Aug 6, 25$4.19Aug 11, 25$4.83Aug 13, 25$5.14Aug 15, 25$5.10Aug 19, 25$4.92Aug 21, 25$5.02Aug 25, 25$5.29Aug 27, 25$5.45Aug 29, 25$5.29Sep 3, 25$5.12Sep 5, 25$5.21Sep 9, 25$5.23Sep 11, 25$5.44Sep 16, 25$5.43Sep 18, 25$5.59Sep 22, 25$5.67Sep 24, 25$5.77Sep 26, 25$5.72Sep 30, 25$5.25Oct 2, 25$5.13Oct 6, 25$5.38Oct 8, 25$5.53Oct 10, 25$5.32Oct 14, 25$5.79Oct 16, 25$5.80Oct 21, 25$5.49Oct 23, 25$5.64Oct 27, 25$5.48Oct 29, 25$5.39Oct 31, 25$5.57Nov 4, 25$5.85Nov 6, 25$5.75Nov 10, 25$6.11Nov 12, 25$5.69Nov 14, 25$5.62Nov 18, 25$5.56Nov 20, 25$5.42Nov 25, 25$5.83Nov 28, 25$5.96Dec 2, 25$5.32Dec 4, 25$5.34Dec 8, 25$4.72Dec 10, 25$4.97Dec 12, 25$5.16Dec 16, 25$5.70Dec 18, 25$5.74Dec 22, 25$5.48Dec 24, 25$5.09Dec 29, 25$5.24Jan 2, 26$4.98Jan 6, 26$4.87Jan 8, 26$4.78Jan 12, 26$4.99Jan 14, 26$5.31Jan 16, 26$5.51Jan 21, 26$5.51Jan 23, 26$5.52Jan 27, 26$5.52Jan 29, 26$5.55Feb 2, 26$5.84Feb 4, 26$5.84Feb 9, 26$5.90Feb 11, 26$5.91Feb 13, 26$5.98Feb 18, 26$5.93Feb 20, 26$5.79Feb 24, 26$5.62Feb 26, 26$5.75Mar 2, 26$5.78Mar 4, 26$5.46Mar 6, 26$5.12Mar 10, 26$5.25Mar 12, 26$4.90Mar 17, 26$4.81Mar 19, 26$4.63Mar 23, 26$4.68Mar 25, 26$4.58Mar 27, 26$4.58Mar 31, 26$5.03Apr 2, 26$5.10Apr 7, 26$5.22Apr 9, 26$5.58Apr 13, 26$5.59Apr 15, 26$5.39Apr 17, 26$5.59Apr 22, 26$5.64Apr 24, 26$5.71Apr 28, 26$5.73Apr 30, 26$5.40May 4, 26$5.27May 6, 26$5.62May 8, 26$5.24May 12, 26$5.13May 14, 26$5.26May 18, 26$5.02May 20, 26$4.80May 22, 26$4.94May 28, 26$5.21Jun 1, 26$5.36Jun 3, 26$4.96Jun 5, 26$5.18Jun 9, 26$5.42Jun 11, 26$5.50Jun 15, 26$5.60Jun 17, 26$5.68Jun 22, 26$5.88Jun 24, 26$5.86Jun 26, 26$6.38Jul 2, 26$5.94
$3.3052-week range$6.38
Loading valuation history…

Fundamentals

Key fundamentals

$267.9M

Market cap

4.3%

Revenue growth (YoY)

35.4%

Gross margin

$17.5M

Free cash flow (USD)

-$49.7M

Net debt

Net cash position

-10.2%

Share dilution

3/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$245.4MFY 2017$252.6MFY 2018$244.0MFY 2019$250.6MFY 2020$238.8MFY 2021$250.5MFY 2022$232.5MFY 2023$240.7MFY 2024$245.0MFY 2025$255.6M
$245.4M$255.6M

Free cash flow by year

2016 → 2025

FY 2016$100.1MFY 2017$91.7MFY 2018$83.9MFY 2019$71.7MFY 2020$48.6MFY 2021$39.4MFY 2022$56.8MFY 2023$21.6MFY 2024$31.3MFY 2025$17.5M
$100.1M$17.5M

Gross margin by year

2021 → 2025

FY 202151.1%FY 202249.4%FY 2023100.0%FY 202449.7%FY 202535.4%
51.1%35.4%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

0

Insider buys · 90 days

0

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 7, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • 8-K eventAnnual Meeting ResultsJun 18, 2026Filing
  • 8-K eventEarnings ReleaseMay 7, 2026Filing
  • Quarterly report10-Q FiledMay 7, 2026Filing

Questions

Frequently asked questions

What is Citizens, Inc.'s market cap?

Citizens, Inc. (CIA) has a market capitalization of $267.9M.

What is CIA's P/E ratio?

CIA trades at a price-to-earnings ratio of 18.2, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is CIA's price-to-book (P/B) ratio?

CIA trades at 1.14 times book value per share.

Are insiders buying CIA stock?

SEC Form 4 filings show no open-market insider buys at Citizens, Inc. in the last 90 days (0 sells).

Same arena

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

Search the actual 10-K / 10-Q text with AI research angles

News

Latest press coverage in one feed

Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.