CIA

Citizens Inc

3.66

Nov 02 • 9:30 AM ET +0.04 (1.10%)

Financial Insurance - Life USA Micro NYSE

Oct 29, 7:15 AMCitizens Inc to report earnings today before market open

Peers: SNFCA GL CNO AAME PRI GNW ABX BHF FG LNC

| Held by: VTI IWM IWN VXF BSVO VTWO IWC DFMC BUSM DFAS

Scroll to Statements

Index	RUT
Market Cap	185.36M
Enterprise Value	-
Income	11.60M
Sales	255.01M
Book/sh	4.64
Cash/sh	-
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	246
IPO	Nov 01, 1982

P/E	16.27
Forward P/E	13.31
PEG	3.33
P/S	0.73
P/B	0.79
P/C	-
P/FCF	12.38
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	606.61
Debt/Eq	0.00
LT Debt/Eq	0.00
Option/Short	Yes / Yes

EPS (ttm)	0.22
EPS next Y	0.28
EPS next Q	0.06
EPS this Y	-35.71%
EPS next Y	52.78%
EPS next 5Y	4.00%
EPS past 3/5Y	-17.84% -
Sales past 3/5Y	3.21% 1.37%
EPS Y/Y TTM	2.53%
Sales Y/Y TTM	3.69%
EPS Q/Q	-106.63%
Sales Q/Q	-7.19%
Earnings	Oct 29 BMO
EPS/Sales Surpr.	-85.71% -3.06%

Insider Own	11.79%
Insider Trans	1.49%
Inst Own	30.38%
Inst Trans	2.71%
ROA	0.67%
ROE	5.00%
ROIC	4.93%
Gross Margin	-
Oper. Margin	5.56%
Profit Margin	4.55%
SMA20	2.87%
SMA50	0.77%
SMA200	-24.58%
Trades

Shs Outstand	50.64M
Shs Float	44.67M
Short Float	9.96%
Short Ratio	33.89
Short Interest	4.45M
52W High	6.54 -44.04%
52W Low	3.31 10.57%
Volatility	4.91% 4.36%
ATR (14)	0.16
RSI (14)	52.01
Beta	0.45
Rel Volume	0.29
Avg Volume	131.29K
Volume	1,909

Perf Week	3.10%
Perf Month	3.39%
Perf Quarter	-21.12%
Perf Half Y	-30.55%
Perf YTD	-24.22%
Perf Year	-34.29%
Perf 3Y	19.22%
Perf 5Y	-43.26%
Perf 10Y	-51.26%
Recom	1.00
Target Price	5.25
Prev Close	3.62
Price	3.66
Change %	1.10%

Consensus

Strong Buy

Avg. Price Target

$5.25

Implied Upside

+43.4%

Analysts2incl. previous ratings

Rating Distribution2 Buy · 0 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Apr 10, 2008	Initiated	KKeyBanc Capital Mkts	Buy	$8.50	+132.2%
Jan 11, 2008	Initiated	OOppenheimer	Buy	$6.50	+77.6%

Oct-28-26 09:45PM	Citizens Faces A Profit Test As Revenue Rebounds But Earnings Expectations Shrink (Earnings Whispers)
Oct-14-26 04:05PM	Citizens, Inc. to Participate at LD Micro Annual Main Event Conference on October 20, 2026 (Newsfile Corp.)
Oct-06-26 09:20AM	Citizens, Inc. Chief Actuary Seth Hoxworth Appointed Chief Risk Officer (Newsfile Corp.)
Aug-07-26 03:45AM	Citizens: Q2 Earnings Snapshot (Associated Press) -16.85%
Aug-06-26 04:05PM	Citizens, Inc. Reports Second Quarter 2026 Financial Results (Newsfile Corp.)
04:05PM	Loading…
Jun-09-26 04:05PM	Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026 (Newsfile Corp.)
May-18-26 05:50AM	Citizens: Q1 Earnings Snapshot (Associated Press)
May-07-26 04:05PM	Citizens, Inc. Reports First Quarter 2026 Financial Results (Newsfile) -7.42%
Mar-31-26 09:20AM	Citizens, Inc. to Participate at Emerging Growth Virtual Conference on April 2, 2026 (Newsfile)
Mar-12-26 06:34PM	Citizens: Q4 Earnings Snapshot (Associated Press Finance) -6.53%
04:05PM	Citizens, Inc. Reports Full Year and Fourth Quarter 2025 Financial Results (Newsfile)
Feb-26-26 06:45PM	The Baldwin Insurance Group (BWIN) Surpasses Q4 Earnings Estimates (Zacks) -5.74%
Feb-23-26 08:55PM	Brighthouse Financial (BHF) Q4 Earnings and Revenues Miss Estimates (Zacks)
Feb-19-26 05:40PM	F&G Annuities & Life, Inc. (FG) Q4 Earnings Miss Estimates (Zacks)
Feb-12-26 07:15AM	Lincoln National (LNC) Beats Q4 Earnings and Revenue Estimates (Zacks)
05:55PM	Loading…
Feb-11-26 05:55PM	Primerica (PRI) Q4 Earnings and Revenues Beat Estimates (Zacks)
Jan-28-26 04:45PM	Citizens, Inc. to Participate at Noble Capital Markets' Emerging Growth Virtual Conference on February 4 and 5, 2026 (Newsfile)
Dec-02-25 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Nov-06-25 08:00PM	Citizens (CIA) Tops Q3 Earnings and Revenue Estimates (Zacks) -5.12% +5.74%
06:55PM	Citizens: Q3 Earnings Snapshot (Associated Press Finance)
04:05PM	Citizens, Inc. Reports Third Quarter 2025 Financial Results (Newsfile)
Oct-16-25 04:05PM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Sep-26-25 09:20AM	Citizens, Inc. Provides Business Update Highlighting Its Growth and Operations Initiatives (Newsfile)
Sep-22-25 09:36AM	Citizens (CIA) Moves 5.4% Higher: Will This Strength Last? (Zacks)
Sep-17-25 09:20AM	Citizens, Inc. Business Update Conference Call and Webcast on September 24, 2025 (Newsfile)
Aug-07-25 08:05PM	Citizens (CIA) Tops Q2 Earnings Estimates (Zacks) +6.76%
07:02PM	Citizens: Q2 Earnings Snapshot (Associated Press Finance)
04:05PM	Citizens, Inc. Reports Second Quarter 2025 Financial Results (Newsfile)
Jun-30-25 09:20AM	Citizens, Inc. Rejoined the Russell 2000(R) and Russell 3000(R) Indexes (Newsfile) -5.68%
May-20-25 07:00AM	Presenting on Emerging Growth Conference 82 Day 1 on May 21; Register to live stream (GlobeNewswire)
04:05PM	Loading…
May-08-25 04:05PM	Citizens, Inc. Reports First Quarter 2025 Financial Results (Newsfile) +5.25% -5.74%
May-01-25 06:25PM	Reinsurance Group (RGA) Q1 Earnings Top Estimates (Zacks)
Apr-16-25 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
07:00AM	Presenting on Emerging Growth Conference 81 Day 2 on April 17; Register to live stream (GlobeNewswire)
Apr-15-25 07:00AM	Presenting on Emerging Growth Conference 81 Day 1 on April 16; Register to live stream (GlobeNewswire)
Mar-26-25 07:00AM	Presenting on the Emerging Growth Conference 80 Day 2 on March 27 Register Now (GlobeNewswire) -5.47%
Mar-25-25 07:00AM	Presenting on the Emerging Growth Conference 80, Day 1 on March 26 - Register Now (GlobeNewswire)
Mar-13-25 06:32PM	Citizens: Q4 Earnings Snapshot (Associated Press Finance)
04:05PM	Citizens, Inc. Reports Full Year and Fourth Quarter 2024 Financial Results (Newsfile)
Feb-25-25 10:40AM	Why Citizens, Inc. (CIA) Is Skyrocketing So Far In 2025 (Insider Monkey)
Feb-03-25 09:20AM	Citizens, Inc. Vice President of Information Technology Paula Guerrero Appointed Chief Information Officer (Newsfile)
Jan-30-25 09:20AM	Citizens, Inc. Vice President of Operations Bryon Matthew Lewis Appointed Chief Operating Officer (Newsfile)
Nov-27-24 04:05PM	Citizens, Inc. Announces Filing of Form S-3 to Replace Expiring Shelf Registration Statement (Newsfile)
Nov-07-24 11:05AM	Citizens, Inc. Reports Third Quarter 2024 Financial Results (Newsfile)
Oct-31-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
07:00AM	NRx Pharmaceuticals added to Emerging Growth Conference 76 on October 31 and Update to Schedule (GlobeNewswire)
Oct-30-24 07:00AM	Presenting on the Emerging Growth Conference 76 Day 2 on October 31 Register Now (GlobeNewswire)
Oct-29-24 07:00AM	Presenting on the Emerging Growth Conference 76 Day 1 on October 30 Register Now (GlobeNewswire)
Sep-27-24 09:40AM	Is Citizens (CIA) Stock Undervalued Right Now? (Zacks)
Sep-25-24 07:00AM	Presenting on the Emerging Growth Conference 75 Day 2 on September 26 (GlobeNewswire)
Sep-24-24 07:00AM	Presenting on the Emerging Growth Conference 75 Day 1 on September 25 Register Now (GlobeNewswire)
Sep-10-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Aug-21-24 07:00AM	Presenting on the Emerging Growth Conference 74 Day 2 on August 22 Register Now (GlobeNewswire)
Aug-20-24 07:00AM	Presenting on the Emerging Growth Conference 74 Day 1 on August 21 Register Now (GlobeNewswire)
Aug-15-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Aug-06-24 04:05PM	Citizens, Inc. Reports Second Quarter 2024 Financial Results (Newsfile)
Jul-05-24 08:48AM	Implied Volatility Surging for Citizens (CIA) Stock Options (Zacks)
Jul-01-24 09:20AM	Citizens, Inc. President Jon Stenberg Appointed Chief Executive Officer (Newsfile) +5.51%
Jun-27-24 03:52PM	Citizens, Inc. Corrects Information Error in Some Investor Platforms (Newsfile)
Jun-12-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
07:00AM	Presenting on the Emerging Growth Conference 72 Day 2 on June 13 Register Now (GlobeNewswire)
Jun-11-24 07:00AM	Presenting on the Emerging Growth Conference 72 Day 1 on June 12 Register Now (GlobeNewswire)
May-08-24 08:52AM	CIA Stock Earnings: Citizens Reported Results for Q1 2024 (InvestorPlace) +11.79%
May-07-24 07:54PM	Citizens: Q1 Earnings Snapshot (Associated Press Finance) -8.23%
06:19PM	Citizens Inc (CIA) Reports Modest Revenue Growth and Strategic Milestones in Q1 2024 (GuruFocus.com)
04:05PM	Citizens, Inc. Reports First Quarter 2024 Financial Results (Newsfile)
Apr-03-24 07:00AM	Presenting on the Emerging Growth Conference 69 Day 2 on April 4 Register Now (GlobeNewswire)
Apr-02-24 04:01PM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
07:00AM	Presenting on the Emerging Growth Conference 69 Day 1 on April 3 Register Now (GlobeNewswire)
Mar-18-24 01:00PM	Citizens, Inc. Appoints Jon Stenberg as President (Newsfile)
Mar-14-24 04:01PM	Citizens, Inc. Reports Fourth Quarter and Full Year 2023 Financial Results (Newsfile) -5.63%
Mar-06-24 07:00AM	Presenting on the Emerging Growth Conference 68 Day 2 on March 7 Register Now (GlobeNewswire)
Mar-05-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile) -6.11%
07:00AM	Presenting on the Emerging Growth Conference 68 Day 1 on March 6 Register Now (GlobeNewswire)
Feb-06-24 07:00AM	Presenting on the Emerging Growth Conference 67 Day 1 on February 7 Register Now (GlobeNewswire)
Jan-29-24 04:06AM	5 Cash-Rich Penny Stocks Hedge Funds Are Buying (Insider Monkey)
Jan-10-24 07:00AM	Presenting on Emerging Growth Conference 66 Day 2 on January 11 Register to Stream (GlobeNewswire)
Jan-09-24 07:00AM	Presenting on the Emerging Growth Conference 66 Day 1 on January 10 Register Now (GlobeNewswire)
Jan-08-24 09:20AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Dec-06-23 07:00AM	Presenting on the Emerging Growth Conference 65 Day 2 on December 7th Register Now (GlobeNewswire) -5.31%
Dec-05-23 07:00AM	Presenting on the Emerging Growth Conference 65 Day 1 on December 6th Register Now (GlobeNewswire) -7.38%
Dec-04-23 04:01PM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile) +5.78%
Nov-06-23 04:01PM	Citizens, Inc. Reports Third Quarter 2023 Financial Results (Newsfile)
Oct-04-23 07:00AM	Presenting on the Emerging Growth Conference 63 Day 2 on October 5 Register Now (GlobeNewswire)
Oct-03-23 07:00AM	Presenting on the Emerging Growth Conference 63 Day 1 on October 4 Register Now (GlobeNewswire)
Oct-02-23 04:01PM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Sep-06-23 08:00AM	Citizens, Inc. Announces Plans for Upcoming Investor Conferences (Newsfile)
Sep-05-23 07:00AM	Presenting on the Emerging Growth Conference on September 6 and 7 Register Now (GlobeNewswire)
Aug-16-23 04:01PM	Citizens, Inc. Commemorates AM Best Initiated Financial Strength and Credit Ratings on Citizens' CICA Life Insurance Company of America at the New York Stock Exchange (Newsfile) +5.00%
Aug-15-23 10:20AM	Sidoti Events, LLCs Virtual August Micro-Cap Conference (ACCESSWIRE)
Aug-04-23 09:20AM	Citizens, Inc. Reports Second Quarter 2023 Financial Results (Newsfile) +6.39%
Aug-01-23 09:20AM	Citizens, Inc. to Participate at Sidoti Micro-Cap Virtual Conference on August 16, 2023 (Newsfile)
Jul-17-23 09:20AM	AM Best Initiated Financial Strength and Credit Ratings on Citizens, Inc.'s CICA Life Insurance Company of America (PR Newswire)
Jul-10-23 04:48PM	AM Best Assigns Credit Ratings to CICA Life Insurance Company of America (Business Wire)
Jun-16-23 11:36AM	Citizens, Inc. Celebrates the Retirement of Dr. Robert B. Sloan, Jr., and Acknowledges his Remarkable Contributions to the Company (PR Newswire)
Jun-12-23 07:07PM	CHAMPION IRON ANNOUNCES RESUMPTION OF RAILWAY SERVICES FOLLOWING INTERRUPTIONS DUE TO FOREST FIRES IN QUÉBEC (PR Newswire) +11.79%
Jun-01-23 08:48AM	Strong week for Citizens (NYSE:CIA) shareholders doesn't alleviate pain of five-year loss (Simply Wall St.)
May-31-23 10:15AM	Citizens, Inc. and Allegiant Forge Strategic Partnership to Deliver White-Label Products to the Fast-Growing Final Expense Agency Market (PR Newswire) +8.25%
May-18-23 08:30AM	Citizens, Inc. to Participate in Two Upcoming Investor Conferences (PR Newswire)
May-08-23 05:19PM	Citizens: Q1 Earnings Snapshot (AP Finance)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
HARWOOD MICHAEL PHILIP	Director	Aug 31 '26	Buy	3.80	10,000	38,000	11,096	Sep 01 02:05 PM
Hoxworth Seth Alan	Chief Actuary	Aug 11 '26	Buy	3.83	5,376	20,590	11,194	Aug 13 11:58 AM
Stenberg Jon	President & CEO	Aug 11 '26	Buy	3.65	12,000	43,795	389,574	Aug 12 02:42 PM
Stenberg Jon	President & CEO	Aug 10 '26	Buy	3.99	50,000	199,630	377,574	Aug 11 03:49 PM
Stenberg Jon	President & CEO	May 21 '26	Buy	4.82	10,000	48,192	327,574	May 26 10:28 AM
DAVIS CYNTHIA H	Director	Mar 25 '26	Buy	4.53	100	453	100	Apr 20 04:31 PM
Stenberg Jon	President & CEO	Mar 30 '26	Buy	4.70	50,000	235,000	307,599	Mar 31 01:11 PM
Stenberg Jon	President & CEO	Mar 17 '26	Buy	4.81	10,000	48,075	208,930	Mar 19 03:15 PM

Citizens, Inc. is a holding company, which engages in the provision of insurance and reinsurance services. It operates through the Domestic Insurance and International Insurance segments. The Domestic Insurance segment primarily issues whole life, final expense and life products with living benefits. The International Insurance segment offers U.S. dollar-denominated products to non-U.S. residents/citizens internationally, including endowment products, which are principally accumulation contracts that incorporate an element of life insurance protection and whole life insurance. The company was founded by Harold Eugene Riley in 1969 and is headquartered in Austin, TX.

President CEO & DirectorMr. Jon Scott Stenberg

CFOMr. Jeffery Paul Conklin

Chief Legal Officer & SecretaryMs. Sheryl L. Kinlaw J.D.

Chief Operating OfficerMr. Bryon Matthew Lewis

Chief Information OfficerMs. Paula Guerrero

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CIA

Citizens Inc

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