NYSE · Insurance - Life

CIA (CIA) Stock

$4.65 +0.22% NYSE: CIA Financial Services

Valuation

MetricValue
Price$4.65
Market Cap$235.07M
P/E Ratio15.99
P/B Ratio1.18
P/S Ratio1.10
EPS (TTM)$0.00
52-Week High$6.40
52-Week Low$3.25
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE8.09%
ROA0.79%
ROCE7.23%
Gross Margin35.28%
Operating Margin8.38%
Net Margin7.16%
Debt/Equity0.00
Current Ratio1.92

Annual Financials (USD)

Metric20212022202320242025
Revenue$251.0M$233.0M$241.0M$245.0M$256.0M
Operating Profit$31.0M$27.0M$194.0M$15.0M$17.0M
Net Profit$73.0M$26.0M$24.0M$15.0M$15.0M
EPS$-0.99$-0.15$0.48$0.29$0.29
Op Margin12.2%11.8%80.4%6.1%6.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.9B$1.6B$1.7B$1.7B$1.8B
Total Liabilities$1.5B$1.5B$1.5B$1.5B$1.5B
Cash$27.0M$23.0M$27.0M$29.0M$21.0M
Borrowings$0$0$9.0M$8.0M$0

Latest News

Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar? Zacks · Jun 29, 2026 Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026 TMX Newsfile · Jun 9, 2026 Presenting on Emerging Growth Conference 93 Day 1 on June 10; Register to live stream GlobeNewswire · Jun 9, 2026 Discovering US Undiscovered Gems in May 2026 Simply Wall St. · May 18, 2026 Citizens: Q1 Earnings Snapshot Associated Press · May 18, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$40.0M$57.0M$22.0M$32.0M$18.0M
Investing Cash Flow$-42.0M$-61.0M$-15.0M$-28.0M$-21.0M
Financing Cash Flow$-8.0M$-3.0M$-4.0M$-2.0M$-5.0M
Net Cash Flow$-7.0M$-4.0M$4.0M$2.0M$-6.0M
Free Cash Flow$39.0M$57.0M$22.0M$31.0M$18.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.21
EV / EBITDA11.80
FCF Yield5.74%
Quick Ratio1.92
Interest Coverage—
Return 1Y19.42%
Return 3Y88.51%
Return 5Y4.14%

Ownership

Insiders Held11.42%
Institutions Held28.33%
Institutions Float Held31.98%
Institutional HolderSharesReport Date
Blackrock Inc.3,267,2992026-03-31
Continental General Insurance Co2,551,6492026-03-31
Vanguard Capital Management LLC1,955,1232026-03-31
Geode Capital Management, LLC1,052,2232026-03-31
State Street Corporation668,4582026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CZNC $25.10 +2.03% 14.51 $449.71M 5.29%
DXYZ $22.50 -2.30% 7.88 $244.80M 0.00%
ETHZEthzilla Corp. $3.53 +0.00% -0.17 $56.39M 0.00%
FSBW $43.06 -0.49% 9.50 $319.27M 3.43%
GRAF $10.82 -0.73% 38.54 $311.07M 0.00%

About CIA

CIA is led by CEO Jon Scott Stenberg, publicly traded since 1980.

CIA stock trades at $4.65 with a market capitalization of $235.07M. The stock is valued at a price-to-earnings (P/E) ratio of 15.99, price-to-book of 1.18, price-to-sales of 1.10. Over the past 52 weeks the stock has ranged between $3.25 and $6.40, and currently trades 27.3% below its 52-week high.

On profitability, CIA generates a return on equity (ROE) of 8.09%, return on capital employed of 7.23%, an operating margin of 8.38%, a net profit margin of 7.16%.

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