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    C

    Citizens Inc (CIA)

    Official site

    FINANCIAL SERVICES • INSURANCE - LIFE • NYSE

    $3.48
    +0.11 (+3.26%)

    Market Cap: $170.67M

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    64%(7/11)
    Avg Surprise
    +17.72%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.03
    Range$0.03 - $0.03
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.08-62.5%
    60d ago$0.08-62.5%
    30d ago$0.08-62.5%
    7d ago$0.08-62.5%
    Current$0.03
    Revenue Consensus
    $65M
    Range$64M - $65M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$-0.03
    Range$-0.03 - $-0.03
    1 analysts
    Revenue Consensus
    $66M
    Range$66M - $67M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$-0.03---
    Sep 26EST
    		-$0.03---
    Jun 26
    Reported Aug 6
    		$0.01N/A-85.71%Miss-92.3%
    Mar 26
    Reported May 7
    		$0.03$0.05-40.00%Miss+50.0%
    Dec 25
    Reported Mar 12
    		$0.11$0.09+22.22%Beat-27.1%
    Sep 25
    Reported Nov 6
    		$0.07$0.06+16.67%Beat+40.0%
    Jun 25
    Reported Aug 7
    		$0.13$0.04+225.00%Beat+62.5%
    Mar 25
    Reported May 8
    		$0.02N/A-60.00%Miss-77.8%
    Dec 24
    Reported Mar 13
    		$0.15$0.09+67.67%Beat-30.4%
    Sep 24
    Reported Nov 7
    		$0.05$0.08-37.50%Miss+0.0%
    Jun 24
    Reported Aug 6
    		$0.08$0.06+33.33%Beat-34.0%
    Mar 24
    Reported May 7
    		$0.09$0.06+50.00%Beat-10.0%
    Dec 23
    Reported Mar 14
    		$0.22$0.21+3.24%Beat+220.2%
    Sep 23
    Reported Nov 6
    		$0.05N/AN/ABeat+148.8%
    Jun 23
    Reported Aug 4
    		$0.12N/AN/ABeat+273.1%
    Mar 23
    Reported May 8
    		$0.10N/AN/ABeat+433.3%
    Dec 22
    Reported Mar 13
    		$0.07N/AN/ABeat-91.0%
    Sep 22
    Reported Nov 4
    		$-0.10N/AN/ABeat-70.8%
    Jun 22
    Reported Aug 4
    		$-0.07N/AN/ABeat-170.0%
    Mar 22
    Reported May 5
    		$-0.03N/AN/ABeat+57.1%
    Dec 21
    Reported Mar 11
    		$0.75N/AN/ABeat+2400.0%
    Sep 21
    Reported Nov 4
    		$-0.06N/AN/ABeat+62.5%
    Jun 21
    Reported Aug 5
    		$0.10N/AN/ABeat+600.0%
    Mar 21
    Reported May 5
    		$-0.07N/AN/ABeat+0.0%
    Dec 20
    Reported Mar 10
    		$0.03N/AN/ABeat-70.0%
    Sep 20
    Reported Nov 4
    		$-0.16N/AN/ABeat-500.0%
    Jun 20
    Reported Aug 5
    		$-0.02N/AN/ABeat+77.8%
    Mar 20
    Reported May 7
    		$-0.07N/AN/ABeat+12.5%
    Dec 19
    Reported Mar 11
    		$0.10N/AN/ABeat-23.1%
    Sep 19
    Reported Nov 6
    		$0.04N/AN/ABeat+113.8%
    Jun 19
    Reported Aug 7
    		$-0.09N/AN/ABeat-80.0%
    Mar 19
    Reported May 10
    		$-0.08N/AN/ABeat+52.9%
    Dec 18
    Reported Mar 26
    		$0.13N/AN/ABeat+18471.4%
    Sep 18
    Reported Nov 7
    		$-0.29N/AN/ABeat-514.3%
    Jun 18
    Reported Aug 7
    		$-0.05N/AN/ABeat-600.0%
    Mar 18
    Reported May 4
    		$-0.17N/AN/ABeat-525.0%
    Dec 17
    Reported Mar 29
    		$0.00N/AN/ABeat-98.3%
    Sep 17
    Reported Nov 7
    		$0.07N/AN/ABeat-
    Jun 17
    Reported Aug 4
    		$0.01N/AN/ABeat-
    Mar 17
    Reported May 9
    		$0.04N/AN/ABeat-
    Dec 16
    Reported Mar 31
    		$0.04N/AN/ABeat-

    Key Metrics

    Valuation
    P/E Ratio15.82EV/EBITDA8.16x
    Price/FCF11.78xFCF Yield8.49%
    Profitability
    Profit Margin4.55%Operating Margin-0.88%
    ROE5.00%ROICN/A
    Financial Health
    Debt/Equity0.00xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.47Avg Volume117.50K
    52-Week High$6.5452-Week Low$3.31

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$3.48
    SMA 20$3.53
    SMA 50$3.70
    SMA 200$4.94
    EMA 10$3.47
    EMA 20$3.53
    EMA 50$3.83
    EMA 200$4.63

    MACD

    Line: -0.10Signal: -0.11Hist: 0.01

    ADX

    ADX: 37.3+DI: 9.9-DI: 19.8

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down96.0
    PSAR$3.66

    Bollinger Bands

    Upper Band$3.70
    Lower Band$3.36
    %B Position957%(Upper)
    Band Width0.35

    RSI (14-Day)

    Neutral
    43.8

    Momentum Oscillators

    Stoch %K19.2
    Stoch %D19.0
    Williams %R-57.5
    ROC (10d)0.3%
    Momentum0.01
    CCI (20d)-101.3
    MFI (14d)49.0

    Volatility Measures

    ATR (14d)$0.16(4.7%)
    StdDev (20d)0.08
    Hist Vol37.4%(Moderate)

    Volume Flow

    VWAP$3.44
    OBV9.0M
    AD Line8.1M
    CMF (20d)0.106

    Volume Metrics

    Avg Vol (20d)118.6K
    Vol Ratio0.9x
    VWMA (20d)$3.53

    Pivot Points

    R3$3.63
    R2$3.55
    R1$3.46
    Pivot Point$3.38
    S1$3.29
    S2$3.22
    S3$3.13

    Advanced Oscillators

    TSI-19.78
    Ultimate Osc45.1
    KST-58.81

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$60.41M$59.72M$72.07M$62.81M$65.09M$55.65M$63.49M$61.72M$62.08M$57.71M$66.85M$59.39M
    Cost of RevenueN/A$39.65M$51.80M$43.66M$31.99M$37.58M$32.48M$32.32M$28.72M$40.21M$44.66M$41.39M
    Gross ProfitN/A$18.57M$20.27M$19.15M$33.10M$18.08M$31.00M$29.41M$33.36M$17.50M$22.19M$18.00M
    Operating Expenses$60.94M$57.35M$64.21M$58.33M$58.17M$57.44M$59.76M$58.69M$58.78M$52.79M$58.08M$54.75M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$2.37M$7.86M$4.48M$6.91M$-1,787,000$3.72M$3.04M$3.30M$4.92M$8.77M$4.64M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$0$0$0$0$0$0$0$0$0$0$0$0
    Income Before Tax$-529,000$2.37M$7.86M$4.48M$6.91M$-1,787,000$3.72M$3.04M$3.30M$4.92M$8.77M$4.64M
    Income Tax Expense$-104,000$106,000$526,000$2.06M$455,000$-164,000$95,000$247,000$-657,000$383,000$-1,967,000$1.94M
    Net Income$-425,000$2.27M$7.34M$2.42M$6.46M$-1,623,000$3.62M$2.79M$3.96M$4.54M$10.74M$2.70M
    EBITDA$747,000$3.71M$9.19M$5.88M$8.37M$-347,000$5.41M$4.55M$4.83M$6.53M$10.23M$6.22M
    EBIT$-529,000$2.37M$7.86M$4.48M$6.91M$-1,787,000$3.73M$3.02M$3.30M$4.92M$8.77M$4.64M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Whole life software orders for Citizens (CIA) run initially through 2030, with up to two one-year renewals.

    Citizens, Inc. (CIA) has signed a Master Software as a Service Agreement with Bestow Agency LLC for a platform to support its final expense whole life products. The agreement, effective October 1, 2026...

    Stock Titan•10/9/26•Somewhat-Bullish

    Citizens director Michael Philip Harwood reports Citizens common share acquisition worth $40,981.23

    Citizens Inc. director Michael Philip Harwood increased his stake in the company by acquiring 10,000 shares of Class A common stock through an open-market purchase at $3.8 per share...

    Bitget•9/1/26•Neutral

    Citizens (NYSE: CIA) CIO keeps buying shares via payroll plan

    Citizens, Inc.'s Chief Information Officer, Paula L. Guerrero, recently exercised 2,709 restricted stock units into Class A common shares and had 796 shares withheld for tax liabilities. Additionally...

    Stock Titan•8/18/26•Somewhat-Bullish

    Citizens (NYSE: CIA) COO converts 2,626 RSUs, withholds shares

    Citizens, Inc. (NYSE: CIA) Chief Operations Officer Bryon Matthew Lewis converted 2,626 restricted stock units (RSUs) into Class A common stock on August 15, 2026. Concurrently...

    Stock Titan•8/18/26•Neutral

    Citizens, Inc. president & CEO Jon Stenberg buys $43,795 in stock

    Citizens, Inc. President and CEO Jon Stenberg recently purchased 12,000 shares of the company's Class A Common Stock for $43,795...

    Investing.com Nigeria•8/16/26•Bullish

    CIA Valuation and Fair Value

    P/E
    15.8x
    Forward P/E
    17.7x
    EV/EBITDA
    8.2x
    P/FCF
    11.8x
    PEG
    1.2x
    P/B
    0.7x
    See GNG's fair value

    CIA Profitability: Margins, ROIC and FCF

    Operating margin
    -0.9%
    Net margin
    4.5%
    ROE
    5.0%
    FCF margin
    5.9%
    FCF yield
    8.5%

    CIA Competitors

    CompanyTicker
    DeFi Technologies Inc.DEFT
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    James River Group Holdings LtdJRVR
    BRC Group Holdings, Inc.RILY
    GIGGIG
    WhiteHorse FinanceWHF
    Hanover Bancorp IncHNVR
    ATIF Holdings LimitedZBAI

    Sector: Financial Services

    CIA Bull Case vs Bear Case

    Bear case

    • CIA's quarterly revenue changed -7.2% year over year.

    CIA Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    13.5%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.03
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    Frequently Asked Questions About CIA

    Does CIA pay dividends?

    Citizens Inc (CIA) does not currently pay a regular dividend.

    What is CIA's P/E ratio?

    Citizens Inc has a price-to-earnings (P/E) ratio of 15.82.

    What is CIA's market cap?

    Citizens Inc (CIA) has a market capitalization of $170.67M with a current stock price of $3.48.

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    Sector: Financial Services

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