Citizens (CIA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citizens

NYSE•Financial Services•Insurance - Life

$3.95-0.02(-0.01%)Market closed

Market Cap

$181.12M

P/E

15.6x

P/S

0.7x

P/B

0.8x

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

How this company scores

AverageMetricSide Score: 48/100

Strongest: Balance Sheet & Red Flags (15/25); weakest: Profitability (7/25).

Profitability7/25

Growth13/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality13/25

Strengths

Interest easily coveredNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 15.6x5y range 4.3x – 1647.3x

Currently above its 18-quarter median.

P/S · 0.7x5y range 0.4x – 1.3x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.5x – 101.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $181.12M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $255.01M
Q. Revenue: $60.41M
TTM EBITDA: $14.94M
TTM Op. Income: $14.19M
Q. Op. Income: $-529,000
TTM Net Income: $11.60M
Q. Net Income: $-425,000
EPS: $-0.01
Shares Out.: $50.52M

$255.01M in TTM revenue grew 3.7% YoY, reaching $60.41M last quarter. TTM EBITDA of $14.94M and TTM operating income of $14.19M show growth is flowing through to the bottom line. TTM net income of $11.60M means revenue is converting into profit. Over the past year, TTM revenue is up 4% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -0.6%
Op. Margin: -0.9%
Net Margin: -0.7%

Op. margin of -0.9% is down 11.5% YoY — costs are rising relative to revenue. Net margin at -0.7% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 15.6x
P/S Ratio: 0.7x
P/B Ratio: 0.8x

At 15.6x P/E, the stock trades within typical market levels. P/S of 0.7x and P/B of 0.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.75B
Cash: $16.96M
Long-Term Debt: N/A
Book Value: $235.16M
D/E Ratio: N/A
Debt/EBITDA: N/A

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.05M
TTM Free Cash Flow: $14.97M
FCF Margin: 5.9%
FCF / Net Income: 1.3

TTM FCF of $14.97M on $2.05M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 6 consecutive quarters — a weakening trend.