Citizens, Inc.: stock overview

CIANYSEFinancial services · Life Insurance

Price

$3.26

November 13, 2026Market cap $164M

DCF calculator

What Ploutos Investor adds for Citizens

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  • The full history: 17 fiscal years, from 2009
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • The share price has fallen 21% since Nov 5, 2026, when the 10-Q these figures come from was filed ($4.12 then, $3.26 on Nov 13, 2026). The figures date from before that move.10-Q

In short

Citizens had revenue of $257M over the last 12 months and net income of $8.8M, a net margin of 3.4%. Revenue grew by 1.4% a year on average over the last 5 years. At $3.26 the shares trade at a P/E of 18.7. It holds more cash than debt, by $30M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$164M
50.30M shares
P/E
18.7
Revenue, 12 months
$257M
+1.4% a year over 5 years
Net margin
3.4%

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+3.1% a year over 2 years

  • 202510-K
    Revenue$256M
  • 202410-K
    Revenue$245M
  • 202310-K
    Revenue$241M

Fiscal years in figures

CIA's revenue, profit, cash flow and dividend with each year-end price, from 2009 to 2022, 14 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $200M
$164M
Enterprise value 
$134M
P/E 
18.7
EV / EBIT 
13.6
EV / Revenue 
0.5
P/B 3-year median: 1.0
0.7
FCF yield 3-year median: 15.6%
12.9%
Earnings yield 
5.3%

Profitability

Net margin 3-year median: 6.1%
3.4%
ROIC 
3.8%
ROE 
3.8%

Growth

Revenue, yearly change 
+4.3%
EPS, yearly change 
–
FCF, yearly change 
-43.9%
Revenue, average a year 
+1.4%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$30M
Total debt 
$7.4M
Of which operating leases 
$7.4M
Net cash 
$30M
Net debt / EBITDA 
-2.9x
Interest cover 
–
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
–
Total returned 
0.00%
Shares, yearly change 
+0.8%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 63).

Revenue growth

4.3%

Above 35% of the 110 companies in its industry, and 43% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
CITIZENS, INC.
CIK
24090
Exchange
NYSE
Industry (SIC)
6311 · Life Insurance
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
50.30M

Other companies: Financial services

The largest companies of the same sector, each with its own page.

The Financial services sectorAll companies

The full analysis

What do Citizens's filings show?

These are Citizens's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about CIA

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What is CIA's market cap?

Citizens, Inc.'s market cap is $164M, at a price of $3.26 on November 13, 2026 and 50.30M shares.

What is CIA's P/E?

CIA's P/E is 18.7, on earnings per share of $0.17 over the last 12 months.

How much revenue does CIA have?

Citizens had revenue of $257M over the last 12 months. Over the last 5 years it changed by +1.4% a year on average.

Does CIA pay a dividend?

No. Citizens paid no regular dividend over the last 12 months.

Where do the figures come from?

From Citizens, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.