What is Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) stock price today?

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) is currently trading at $3.53, up 1.73% today.

What is CIA P/E ratio?

Citizens, Inc. Class A Common Stock ($1.00 Par)'s P/E ratio is 15.16. This is near the market average.

What is CIA return on equity (ROE)?

Citizens, Inc. Class A Common Stock ($1.00 Par)'s return on equity (ROE) is 4.96%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Citizens, Inc. Class A Common Stock ($1.00 Par)'s market cap?

Citizens, Inc. Class A Common Stock ($1.00 Par) has a market capitalization of $178.45M.

NYSE · Insurance - Life

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) Stock

$3.53 +1.73% NYSE: CIA Financial Services

Valuation

Metric	Value
Price	$3.53
Market Cap	$178.45M
P/E Ratio	15.16
P/B Ratio	0.76
P/S Ratio	0.71
EPS (TTM)	$0.00
52-Week High	$6.54
52-Week Low	$3.38
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	4.96%
ROA	0.66%
ROCE	0.83%
Gross Margin	35.28%
Operating Margin	8.38%
Net Margin	4.57%
Debt/Equity	0.00
Current Ratio	1.92

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
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	$1.44	$0.51	$0.48	$0.29	$0.29
Op Margin	12.2%	11.8%	80.4%	6.1%	6.8%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
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)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$40.0M	$57.0M	$22.0M	$32.0M	$18.0M
Investing Cash Flow	$-42.0M	$-61.0M	$-15.0M	$-28.0M	$-20.0M
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

Metric	Value
PEG Ratio	0.15
EV / EBITDA	11.09
FCF Yield	8.32%
Quick Ratio	1.92
Interest Coverage	0.00
Return 1Y	19.42%
Return 3Y	88.51%
Return 5Y	4.14%

Ownership

Insiders Held11.42%

Institutions Held28.33%

Institutions Float Held31.98%

Institutional Holder	Shares	Report Date
Blackrock Inc.	3,267,299	2026-03-31
Continental General Insurance Co	2,551,649	2026-03-31
Vanguard Capital Management LLC	1,955,123	2026-03-31
Geode Capital Management, LLC	1,052,223	2026-03-31
State Street Corporation	668,458	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CZNCCitizens & Northern Corp	$25.27	+0.28%	17.37	$452.75M	4.37%
DXYZDestiny Tech100 Inc.	$30.53	-2.02%	3.23	$930.12M	0.00%
ETHZEthzilla Corp.	$3.53	+0.00%	-0.17	$56.39M	0.00%
FSBWFS Bancorp, Inc.	$44.32	+0.43%	9.98	$328.61M	2.62%
GRAF	$10.82	-0.73%	38.54	$311.07M	0.00%

About Citizens, Inc. Class A Common Stock ($1.00 Par)

Citizens, Inc. Class A Common Stock ($1.00 Par) is led by CEO Jon Scott Stenberg, publicly traded since 1980.

Citizens, Inc. Class A Common Stock ($1.00 Par) (CIA) stock trades at $3.53 with a market capitalization of $178.45M. The stock is valued at a price-to-earnings (P/E) ratio of 15.16, price-to-book of 0.76, price-to-sales of 0.71. Over the past 52 weeks the stock has ranged between $3.38 and $6.54, and currently trades 46.0% below its 52-week high.

On profitability, Citizens, Inc. Class A Common Stock ($1.00 Par) generates a return on equity (ROE) of 4.96%, return on capital employed of 0.83%, an operating margin of 8.38%, a net profit margin of 4.57%.

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