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Citizens, Inc.

CIA • Insurance - Life
$3.95
▼ -0.02 (-0.50%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$201.39M
Growth
13.5%
Cash Flow
5/5
Trend
Stable
Evidence
Positive free cash flow · 0.35Consistent free cash flow · 5/5Reasonable earnings multiple · 16.59Manageable debt level · 0Healthy liquidity · 1.93
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:33 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$3.95
Change-0.50%
Shares Out50.98M
Market Cap$201.39M
Enterprise Value$201.39M
52W Range4.30 - 6.54
Beta0.45
P/E17.36
P/S0.79
P/B0.86
P/FCF14.07
EV/Sales0.79

Investment DNA

How strong this company looks for long-term investors

55
out of 100
Business Quality
Margins, moat, returns
36/100
Financial Strength
Debt, cash, stability
69/100
Growth Potential
Revenue and expansion
22/100
Price Attractiveness
Cheap or expensive today
85/100
Why this score▼
Positive free cash flow · 0.35Consistent free cash flow · 5/5Reasonable earnings multiple · 16.59Manageable debt level · 0Healthy liquidity · 1.93Negative growth trend

Analyst view

Analyst sentiment and price target

Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-08-07
Low
$3.70
Mean
$3.70
Median
$3.70
High
$3.70

Company Overview

IPO: 12/4/1980
Industry: Insurance - Life
P/B i: 0.86
Debt / Equity i: 0.00
Operating Margin: 6.83%
Net Margin: 5.71%
ROE i: -
ROIC: -

Financial Health

Score14 / 20
Debt / Equity: 0.00
Current Ratio: 1.93
Quick Ratio: 1.93
Status: Good

Insider Transactions

Recent executive and insider activity

Lewis Bryon Matthew
Transaction: 07/14/2026
SELL
Change
-10,697
Price
Not reported
Filing
07/16/2026
Type
SELL
Claus Christopher W
Transaction: 06/17/2026
SELL
Change
-12,012
Price
Not reported
Filing
06/22/2026
Type
SELL
Claus Christopher W
Transaction: 06/17/2026
BUY
Change
+12,012
Price
Not reported
Filing
06/22/2026
Type
BUY