Citizens, Inc. (CIA)Financial Services | Insurance - Life | Austin, United States | NYSE
3.38 USD
-0.12
(-3.429%) ⇩
(Oct. 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 10:26 a.m. EDT
Citizens, Inc. presents a deeply distressed investment case characterized by deteriorating fundamentals and overwhelming speculative fear. The company is trading at a significant discount to its book value, yet it is generating negative operating margins and suffering a 7.2% contraction in revenue. This operational decline is compounded by a brutal multi-year price trajectory, having lost nearly 37% of its value over the last nine years, with the most recent annual performance showing a flat-to-negative trend. Crucially, the stock offers no income support, as there is no history of dividend payments. While the price is low relative to historical highs, the lack of growth, negative margins, and zero cash return to shareholders make it a value trap rather than a bargain. The options market confirms this pessimism, with traders aggressively buying deep out-of-the-money puts while virtually ignoring upside potential, suggesting that the path of least resistance remains firmly downward. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.213563 |
| AutoARIMA | 0.213574 |
| MSTL | 0.215229 |
| AutoTheta | 0.220331 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 2.21 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.152 |
| Excess Kurtosis | -1.42 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Revenue per Share | 5.065 |
| Market Cap | 171,173,712 |
| Trailing P/E | 14.70 |
| Forward P/E | 16.90 |
| Beta | 0.47 |
| Profit Margins | 4.55% |
| Website | https://www.citizensinc.com |
As of Oct. 10, 2026, 10:26 a.m. EDT: Speculators are heavily positioned for downside protection, with massive open interest in out-of-the-money puts expiring in late 2026 and early 2027. Call activity is negligible compared to put volume, indicating a bearish sentiment where investors are betting on further declines rather than rallies.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.39550948 |
| Address1 | 11,815 Alterra Parkway |
| Address2 | Suite 1500 |
| All Time High | 37.819267 |
| All Time Low | 1.394973 |
| Ask | 0.0 |
| Ask Size | 300 |
| Audit Risk | 3 |
| Average Daily Volume10 Day | 100,600 |
| Average Daily Volume3 Month | 128,076 |
| Average Volume | 128,076 |
| Average Volume10Days | 100,600 |
| Beta | 0.466 |
| Bid | 0.0 |
| Bid Size | 600 |
| Board Risk | 8 |
| Book Value | 4.644 |
| City | Austin |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 3 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 3.38 |
| Current Ratio | 0.644 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 3.515 |
| Day Low | 3.38 |
| Display Name | Citizens |
| Dividend Yield | 0.0 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 14,937,000 |
| Ebitda Margins | 0.058579996 |
| Enterprise To Ebitda | 10.428 |
| Enterprise To Revenue | 0.611 |
| Enterprise Value | 155,767,712 |
| Eps Current Year | 0.12 |
| Eps Forward | 0.2 |
| Eps Trailing Twelve Months | 0.23 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fax | 512 836 9785 |
| Fifty Day Average | 3.7732 |
| Fifty Day Average Change | -0.39319992 |
| Fifty Day Average Change Percent | -0.10420861 |
| Fifty Two Week Change Percent | -39.55095 |
| Fifty Two Week High | 6.54 |
| Fifty Two Week High Change | -3.1599998 |
| Fifty Two Week High Change Percent | -0.4831804 |
| Fifty Two Week Low | 3.38 |
| Fifty Two Week Low Change | 0.0 |
| Fifty Two Week Low Change Percent | 0.0 |
| Fifty Two Week Range | 3.38 - 6.54 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 344,788,200,000 |
| Float Shares | 45,130,099 |
| Forward Eps | 0.2 |
| Forward P E | 16.9 |
| Free Cashflow | 9,612,500 |
| Full Exchange Name | NYSE |
| Full Time Employees | 243 |
| Fullday Change | -0.119999886 |
| Fullday Change Percent | -3.4285681 |
| Fullday Price | 3.44 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.26877 |
| Gross Profits | 68,539,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.115559995 |
| Held Percent Institutions | 0.30575 |
| Implied Shares Outstanding | 50,643,108 |
| Industry | Insurance - Life |
| Industry Disp | Insurance - Life |
| Industry Key | insurance-life |
| Ir Website | http://www.citizensinc.com/cit/e/id1.shtml |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,134,432,000 |
| Last Split Factor | 107:100 |
| Long Business Summary | 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. |
| Long Name | Citizens, Inc. |
| Market | us_market |
| Market Cap | 171,173,712 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_172847 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 11,598,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 178,770,171 |
| Number Of Analyst Opinions | 2 |
| Open | 3.55 |
| Operating Cashflow | 15,492,000 |
| Operating Margins | -0.00876 |
| Overall Risk | 4 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.21 |
| Phone | 512 837 7100 |
| Pre Market Change | 0.059999943 |
| Pre Market Change Percent | 1.7751461 |
| Pre Market Price | 3.44 |
| Pre Market Time | 1,791,966,792 |
| Previous Close | 3.5 |
| Price Eps Current Year | 28.166668 |
| Price Hint | 4 |
| Price To Book | 0.7278209 |
| Price To Sales Trailing12 Months | 0.6712537 |
| Profit Margins | 0.045479998 |
| Quick Ratio | 0.271 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.12 |
| Regular Market Change Percent | -3.42857 |
| Regular Market Day High | 3.515 |
| Regular Market Day Low | 3.38 |
| Regular Market Day Range | 3.38 - 3.515 |
| Regular Market Open | 3.55 |
| Regular Market Previous Close | 3.5 |
| Regular Market Price | 3.38 |
| Regular Market Time | 1,791,921,602 |
| Regular Market Volume | 126,137 |
| Return On Assets | 0.0051200003 |
| Return On Equity | 0.04997 |
| Revenue Growth | -0.072 |
| Revenue Per Share | 5.065 |
| Sand P52 Week Change | 0.17502642 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 3 |
| Shares Outstanding | 50,643,108 |
| Shares Percent Shares Out | 0.087299995 |
| Shares Short | 4,422,346 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 4,349,418 |
| Short Name | Citizens, Inc. |
| Short Percent Of Float | 0.08930001 |
| Short Ratio | 34.47 |
| Source Interval | 15 |
| State | TX |
| Symbol | CIA |
| Target High Price | 5.5 |
| Target Low Price | 5.0 |
| Target Mean Price | 5.25 |
| Target Median Price | 5.25 |
| Total Cash | 15,406,000 |
| Total Cash Per Share | 0.304 |
| Total Debt | 0 |
| Total Revenue | 255,006,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.23 |
| Trailing P E | 14.695652 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 4.96195 |
| Two Hundred Day Average Change | -1.5819497 |
| Two Hundred Day Average Change Percent | -0.31881616 |
| Type Disp | Equity |
| Volume | 126,137 |
| Website | https://www.citizensinc.com |
| Zip | 78,758 |