Citizens, Inc. (CIA)Financial Services | Insurance - Life | Austin, United States | NYSE
5.66 USD
+0.07
(1.252%)
⇧
(April 20, 2026, 4 p.m.
EDT)
Short-term: ★★★★☆ | Long-term: ★★★☆☆ | Dividends: ★★☆☆☆ |
Hot Take | April 18, 2026, 10:35 p.m. EDT
Citizens, Inc. is trading at a fair valuation (1x P/B) with decent momentum (price > 200-day MA), but the data suggests a 'wait-and-see' approach rather than a buy. While insiders are accumulating and fundamentals are stable, the options market is heavily shielding downside risk. Technicals suggest a bullish bias for now, but the lack of investor confidence in upside probability (thin call volume vs. thick put OI) limits conviction to a short-term momentum play rather than a strategic accumulation. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.074082 |
| AutoARIMA | 0.074146 |
| MSTL | 0.074713 |
| AutoTheta | 0.087375 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 53% |
| H-stat | 3.20 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.234 |
| Excess Kurtosis | -0.96 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 3.132 |
| Revenue per Share | 5.098 |
| Market Cap | 284,696,512 |
| Trailing P/E | 20.21 |
| Forward P/E | 16.17 |
| Beta | 0.48 |
| Profit Margins | 5.71% |
| Website | https://www.citizensinc.com |
As of April 18, 2026, 10:35 p.m. EDT: Options flow reveals a defensive-to-slightly-bearish sentiment. Puts show significantly higher Open Interest (OI) and volume at the $2.5 strike compared to calls, with heavy concentration at ATM ($5.0) in short-dated expirations. The $2.5 put OI constitutes the bulk of downside positioning, suggesting a fear of a retest of recent lows around $3.25. Conversely, call OI is thin, with minor interest at $7.5 representing a 34% upside target, but overall net flow leans downside or neutral. Implied volatility is low (1.13 - 1.15) on calls, indicating market complacency, while put IV is slightly elevated (1.12), reinforcing the desire for downside protection.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.2747748 |
| Address1 | 11,815 Alterra Parkway |
| Address2 | Suite 1500 |
| All Time High | 37.819267 |
| All Time Low | 1.394973 |
| Ask | 5.94 |
| Ask Size | 400 |
| Audit Risk | 4 |
| Average Daily Volume10 Day | 103,900 |
| Average Daily Volume3 Month | 118,673 |
| Average Volume | 118,673 |
| Average Volume10Days | 103,900 |
| Beta | 0.477 |
| Bid | 0.0 |
| Bid Size | 300 |
| Board Risk | 2 |
| Book Value | 4.672 |
| City | Austin |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Compensation Risk | 3 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 5.66 |
| Current Ratio | 0.675 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 5.7 |
| Day Low | 5.33 |
| Debt To Equity | 3.132 |
| Display Name | Citizens |
| Earnings Growth | 0.995 |
| Earnings Quarterly Growth | 1.027 |
| Earnings Timestamp End | 1,778,184,000 |
| Earnings Timestamp Start | 1,778,184,000 |
| Ebitda | 18,211,000 |
| Ebitda Margins | 0.07124 |
| Enterprise To Ebitda | 14.861 |
| Enterprise To Revenue | 1.059 |
| Enterprise Value | 270,633,536 |
| Eps Current Year | 0.3 |
| Eps Forward | 0.35 |
| Eps Trailing Twelve Months | 0.28 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fax | 512 836 9785 |
| Fifty Day Average | 5.3148 |
| Fifty Day Average Change | 0.34520006 |
| Fifty Day Average Change Percent | 0.06495072 |
| Fifty Two Week Change Percent | 27.477478 |
| Fifty Two Week High | 6.4 |
| Fifty Two Week High Change | -0.74000025 |
| Fifty Two Week High Change Percent | -0.11562504 |
| Fifty Two Week Low | 3.25 |
| Fifty Two Week Low Change | 2.4099998 |
| Fifty Two Week Low Change Percent | 0.7415384 |
| Fifty Two Week Range | 3.25 - 6.4 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 344,788,200,000 |
| Float Shares | 44,920,184 |
| Forward Eps | 0.35 |
| Forward P E | 16.171429 |
| Free Cashflow | 10,720,750 |
| Full Exchange Name | NYSE |
| Full Time Employees | 243 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.27585 |
| Gross Profits | 70,511,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.112770006 |
| Held Percent Institutions | 0.28218 |
| Implied Shares Outstanding | 50,299,741 |
| 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 | 284,696,512 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_172847 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 14,591,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 284,696,534 |
| Number Of Analyst Opinions | 1 |
| Open | 5.5 |
| Operating Cashflow | 17,986,000 |
| Operating Margins | 0.10912 |
| Overall Risk | 2 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.21 |
| Phone | 512 837 7100 |
| Previous Close | 5.59 |
| Price Eps Current Year | 18.866665 |
| Price Hint | 2 |
| Price To Book | 1.2114726 |
| Price To Sales Trailing12 Months | 1.1137664 |
| Profit Margins | 0.05708 |
| Quick Ratio | 0.352 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.0699997 |
| Regular Market Change Percent | 1.25223 |
| Regular Market Day High | 5.7 |
| Regular Market Day Low | 5.33 |
| Regular Market Day Range | 5.33 - 5.7 |
| Regular Market Open | 5.5 |
| Regular Market Previous Close | 5.59 |
| Regular Market Price | 5.66 |
| Regular Market Time | 1,776,715,202 |
| Regular Market Volume | 139,067 |
| Return On Assets | 0.00635 |
| Return On Equity | 0.06553 |
| Revenue Growth | 0.135 |
| Revenue Per Share | 5.098 |
| Sand P52 Week Change | 0.34445214 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 3 |
| Shares Outstanding | 50,299,741 |
| Shares Percent Shares Out | 0.0775 |
| Shares Short | 3,896,787 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 3,766,018 |
| Short Name | Citizens, Inc. |
| Short Percent Of Float | 0.0787 |
| Short Ratio | 23.21 |
| Source Interval | 15 |
| State | TX |
| Symbol | CIA |
| Target High Price | 6.0 |
| Target Low Price | 6.0 |
| Target Mean Price | 6.0 |
| Target Median Price | 6.0 |
| Total Cash | 21,422,000 |
| Total Cash Per Share | 0.426 |
| Total Debt | 7,359,000 |
| Total Revenue | 255,616,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.28 |
| Trailing P E | 20.214285 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 5.19235 |
| Two Hundred Day Average Change | 0.46764994 |
| Two Hundred Day Average Change Percent | 0.09006518 |
| Type Disp | Equity |
| Volume | 139,067 |
| Website | https://www.citizensinc.com |
| Zip | 78,758 |