Citizens (CIA) Stock Price

Citizens Price

NYSE·CLOSED
5.53USD-0.17 (-3.03 %)
Market closed

Revenue has compounded at 2.9% per year over the past 19 years to 245.00 M USD. Earnings per share have grown at 4.4% per year over the last 19 years. Citizens's net margin stands at 6.1%, up from -4.6% several years earlier. Citizens currently offers a dividend yield of about 1.81%. Analysts set a median price target of 6.12 USD, implying 10.7% above the current price. Of 5 analysts, 4 rate the stock a buy — an overall Buy consensus. Over the past year Citizens shares have gained 67.6%. The stock trades about 68% above its 52-week low.

Citizens stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Citizens over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Citizens stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Citizens's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Citizens Stock Price History
DateCitizens Price
7/14/20265.53 USD
7/13/20265.70 USD
7/10/20265.66 USD
7/9/20265.59 USD
7/8/20265.39 USD
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1/14/20265.31 USD
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1/12/20264.99 USD
1/9/20264.77 USD
1/8/20264.78 USD
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12/31/20254.83 USD
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8/19/20254.92 USD
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8/6/20254.19 USD
8/5/20254.16 USD
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8/1/20253.91 USD
7/31/20253.82 USD
7/30/20253.98 USD
7/29/20254.10 USD
7/28/20254.07 USD
7/25/20254.09 USD
7/24/20254.18 USD
7/23/20254.12 USD
7/22/20253.81 USD
7/21/20253.65 USD
7/18/20253.56 USD
7/17/20253.50 USD
7/16/20253.36 USD
7/15/20253.30 USD
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Citizens Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

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  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2020
238.90 M USD
-12.30 M USD
-11.00 M USD
Jan 1, 2021
250.50 M USD
5.90 M USD
36.80 M USD
Jan 1, 2022
232.50 M USD
-7.10 M USD
-6.60 M USD
Jan 1, 2023
240.68 M USD
26.00 M USD
24.00 M USD
Jan 1, 2024
245.00 M USD
14.98 M USD
14.91 M USD
Jan 1, 2025 (e)
253.95 M USD
0.00 USD
11.28 M USD
Jan 1, 2026 (e)
263.54 M USD
0.00 USD
15.38 M USD
Jan 1, 2027 (e)
275.31 M USD
0.00 USD
18.45 M USD

Citizens Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 15, 2026, 3:24 PM
 
REVENUEM USD
REVENUE GROWTH%
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
20122013201420152016201720182019202020212022202320242025e2026e2027e
202.00213.00230.00236.00245.00252.00244.00250.00238.00250.00232.00240.00245.00253.00263.00275.00
4.125.457.982.613.812.86-3.172.46-4.805.04-7.203.452.083.273.954.56
4.004.00-6.00-3.002.00-38.00-11.00-1.00-11.0036.00-6.0024.0014.0011.0015.0018.00
-50.00–-250.00-50.00-166.67-2,000.00-71.05-90.911,000.00-427.27-116.67-500.00-41.67-21.4336.3620.00
50.0050.1050.1050.1050.1050.1050.1050.2050.4050.6050.1051.0050.7550.7550.7550.75
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Citizens generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Citizens retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Citizens's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Citizens has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Citizens's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Citizens stock margins

The Citizens margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Citizens. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Citizens.

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  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
0.00 %
-5.15 %
-4.60 %
Jan 1, 2021
0.00 %
2.36 %
14.69 %
Jan 1, 2022
0.00 %
-3.05 %
-2.84 %
Jan 1, 2023
0.00 %
10.80 %
9.97 %
Jan 1, 2024
0.00 %
6.11 %
6.09 %
Jan 1, 2025 (e)
0.00 %
0.00 %
4.44 %
Jan 1, 2026 (e)
0.00 %
0.00 %
5.83 %
Jan 1, 2027 (e)
0.00 %
0.00 %
6.70 %

Citizens Stock Revenue, EBIT, Earnings per Share

The Citizens earnings per share therefore indicates how much revenue Citizens has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
4.74 USD
-0.24 USD
-0.22 USD
Jan 1, 2021
4.95 USD
0.12 USD
0.73 USD
Jan 1, 2022
4.64 USD
-0.14 USD
-0.13 USD
Jan 1, 2023
4.72 USD
0.51 USD
0.47 USD
Jan 1, 2024
4.83 USD
0.30 USD
0.29 USD
Jan 1, 2025 (e)
5.00 USD
0.00 USD
0.22 USD
Jan 1, 2026 (e)
5.19 USD
0.00 USD
0.30 USD
Jan 1, 2027 (e)
5.43 USD
0.00 USD
0.36 USD

Citizens business model & stock analysis

Citizens Inc is an American company based in Austin, Texas. The company, originally founded as an insurance company, has evolved over time into a diverse financial services provider. Citizens Inc's history begins in 1969 when it was founded by Harold E. Riley in Austin, Texas. Business Model Citizens Inc is a life insurance company that offers various products and services. The company primarily offers life insurance, annuities, and investment products. In recent years, the company has expanded its portfolio and also offers health insurance and accident insurance. Divisions Citizens Inc is divided into several business segments: insurance, distribution, annuity funds, and administration. - Insurance: The main business segment of Citizens Inc is life and annuity insurance. The company offers various types of life insurance, including permanent life insurance, term life insurance, annuities, and health insurance. These products are offered by the subsidiary, Citizens National Life Insurance Company. - Distribution: Citizens Inc operates a comprehensive distribution network in the USA, Puerto Rico, and the Virgin Islands. The company distributes its products through independent brokers and agents. - Annuity Funds: Citizens Inc also offers annuity funds and investment products to its customers. These products are part of the subsidiary, First Citizens Asset Management, Inc. - Administration: Citizens Inc also provides a wide range of administration services. The company offers services such as investment management, accounting, and consulting. Products Citizens Inc offers various products, including: - Life Insurance: Permanent life insurance, term life insurance, annuities, health insurance. - Annuity Funds: Term annuities, long-term annuities, variable return annuities. - Investment Products: Stock funds, bond funds, index funds. History Citizens Inc was originally founded in 1969 by Harold E. Riley, a former top official of the Department of Agriculture. At that time, the company focused exclusively on life insurance. In 1975, the company went public and raised capital through the sale of additional shares. In the 1990s, the company expanded its business and began offering annuities and investment products. In 1994, the company established the subsidiary, First Citizens Asset Management, Inc., to expand its offering of investment products. In 1998, Citizens Inc acquired a health insurance company in Puerto Rico to expand its offering of health insurance. In the late 2000s, the company further expanded into the health insurance sector and began offering accident insurance. Conclusion Citizens Inc is an Austin, Texas-based company specializing in life insurance, annuities, and investment products. The company has expanded its offerings in recent years to include health insurance and accident insurance. Citizens Inc operates a comprehensive distribution network in the USA, Puerto Rico, and the Virgin Islands. The company has experienced strong growth in recent years and has become a significant player in the US insurance market.

Citizens SWOT Analysis

Strengths

Citizens Inc possesses several strengths that contribute to its position in the market. Firstly, the company has a strong financial position, allowing it to invest in various growth opportunities and withstand economic downturns. Additionally, Citizens Inc has a diverse product portfolio, offering life insurance, annuities, and other financial products, which enables it to cater to a wide range of customer needs. Moreover, the company has an extensive distribution network and established partnerships, strengthening its market presence and allowing it to reach a large customer base.

Weaknesses

Despite its strengths, Citizens Inc also faces certain weaknesses that need to be addressed. One weakness is the company's limited geographic presence, primarily focused on the United States and certain international markets. Expanding into untapped regions could provide new growth opportunities. Additionally, Citizens Inc's heavy reliance on traditional distribution channels, such as agents and brokers, may hinder its ability to adapt to changing customer preferences for digital channels. Emphasizing digital transformation and exploring innovative distribution methods can help overcome this weakness.

Opportunities

Citizens Inc operates in an industry with several opportunities for growth. The increasing consumer demand for retirement solutions and long-term care coverage presents a significant opportunity for the company. Moreover, the aging population in developed countries creates a need for innovative insurance products targeting this market segment. Citizens Inc can capitalize on this trend by developing tailored products and services to cater to the changing needs of elderly customers. Additionally, expanding into emerging markets with low insurance penetration rates can provide new avenues for growth.

Threats

Several external factors pose potential threats to Citizens Inc's business operations. One major threat is the intense competition within the insurance industry, as other companies also strive to capture market share and attract customers. This competitive landscape may result in pricing pressures and decreased profit margins. Additionally, regulatory changes and compliance requirements could pose challenges for Citizens Inc, necessitating ongoing adaptation and investment in compliance measures. Furthermore, unexpected events like natural disasters or pandemics can impact the insurance industry as a whole, potentially affecting Citizens Inc's financial stability.

Citizens Segments

Citizens Revenue by Segment (1/3)

  • 3 Years

  • 5 Years

  • Max

Life Insurance Segment
Home Service Insurance Segment
Details
Date
Life Insurance Segment
Home Service Insurance Segment
Jan 1, 2015
0.00 USD
0.00 USD
Jan 1, 2016
0.00 USD
0.00 USD
Jan 1, 2017
0.00 USD
0.00 USD
Jan 1, 2018
0.00 USD
0.00 USD
Jan 1, 2019
190.65 M USD
61.21 M USD
Jan 1, 2020
178.23 M USD
0.00 USD
Jan 1, 2021
185.81 M USD
0.00 USD
Jan 1, 2022
170.18 M USD
0.00 USD

Citizens Revenue by Segment (2/3)

  • 3 Years

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  • Max

Life Insurance operations
Life Insurance Segment
Home Service Insurance Segment
Other Non-Insurance Enterprise Segment
Other Non-Insurance Enterprises
Details
Date
Life Insurance operations
Life Insurance Segment
Home Service Insurance Segment
Other Non-Insurance Enterprise Segment
Other Non-Insurance Enterprises
Jan 1, 2015
175.17 M USD
0.00 USD
59.21 M USD
1.88 M USD
0.00 USD
Jan 1, 2016
183.74 M USD
0.00 USD
60.09 M USD
1.57 M USD
0.00 USD
Jan 1, 2017
189.89 M USD
0.00 USD
61.13 M USD
0.00 USD
1.62 M USD
Jan 1, 2018
0.00 USD
183.32 M USD
59.79 M USD
0.00 USD
892,000.00 USD
Jan 1, 2019
0.00 USD
0.00 USD
0.00 USD
0.00 USD
-1.32 M USD
Jan 1, 2020
0.00 USD
0.00 USD
59.42 M USD
0.00 USD
1.20 M USD
Jan 1, 2021
0.00 USD
0.00 USD
0.00 USD
0.00 USD
2.22 M USD
Jan 1, 2022
0.00 USD
0.00 USD
0.00 USD
0.00 USD
932,000.00 USD

Citizens Revenue by Segment (3/3)

  • 3 Years

  • Max

Home Service Insurance Segment
Details
Date
Home Service Insurance Segment
Jan 1, 2015
0.00 USD
Jan 1, 2016
0.00 USD
Jan 1, 2017
0.00 USD
Jan 1, 2018
0.00 USD
Jan 1, 2019
0.00 USD
Jan 1, 2020
0.00 USD
Jan 1, 2021
62.52 M USD
Jan 1, 2022
61.42 M USD

Citizens Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Citizens historical P/E ratio, EBIT multiple, and P/S ratio

Citizens annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Citizens shares outstanding

The number of shares of Citizens was 50.75 M in 2025. This indicates how many shares Citizens is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
50.40 M Stocks
Jan 1, 2021
50.60 M Stocks
Jan 1, 2022
50.10 M Stocks
Jan 1, 2023
51.00 M Stocks
Jan 1, 2024
50.75 M Stocks
Jan 1, 2025 (e)
50.75 M Stocks
Jan 1, 2026 (e)
50.75 M Stocks
Jan 1, 2027 (e)
50.75 M Stocks

Citizens stock splits

In Citizens's history, there have been no stock splits.

Citizens Dividend History

1 years of dividend payments

YearAnnual DividendYoY ChangePayments
20220.10USD—1×

Citizens dividend payout ratio

In 2025, Citizens had a payout ratio of 0.00%. The payout ratio indicates the percentage of the company's profits that Citizens distributes as dividends.

  • 3 Years

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
0.00 %
Jan 1, 2021
0.00 %
Jan 1, 2022
-76.92 %
Jan 1, 2023
0.00 %
Jan 1, 2024
0.00 %
Jan 1, 2025 (e)
0.00 %
Jan 1, 2026 (e)
0.00 %
Jan 1, 2027 (e)
0.00 %

Current Citizens forecasts and price targets in July 2026

Analyst Price Targets 2026
Δ MOM Price Target
20.00 %
Buy80.00 % (4)
Hold20.00 % (1)
Sell0.00 % (0)
12M Price Target
6.12
Last Price
5.70
Currency
USD
12M Return Potential
7.37 %
LTM Return
0 %

Citizens Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
5/13/20260.05USD61.78 MUSD2026 Q1
5/6/20260.05USD61.78 MUSD2026 Q1
3/12/20260.08USD68.56 MUSD2025 Q4
5/2/20130.02USD50.07 MUSD2013 Q1
3/11/20130.04USD-USD2012 Q4
11/6/20120.02USD-USD2012 Q3
8/6/20120.03USD-USD2012 Q2
5/7/20120.03USD-USD2012 Q1
3/12/20120.04USD-USD2011 Q4
11/3/20110.05USD-USD2011 Q3

EESG©

Eulerpool ESG Scorecard© for the Citizens stock

40/100
9
Environment
46
Social
66
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions39,642
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees68
Percentage of women in management—
Percentage of Asian employees4
Share of Asian management4
Percentage of Hispanic/Latino employees28
Hispano/Latino Management share21
Percentage of Black employees13
Black Management Share4
Percentage of white employees49
White Management Share71
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Citizens shareholder structure

% Name
8.12202%
Galindo, Arias & López
Galindo, Arias & López
5.96420%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
4.92855%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
4.28922%
Continental General Insurance Co
Continental General Insurance Co
2.03088%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
1.51373%
UBS Financial Services, Inc.
UBS Financial Services, Inc.
...

Citizens Executives and Management Board

JS

Mr. Jon Stenberg

(59)

President, Chief Executive Officer

Compensation1.44 M USD
JC

Mr. Jeffrey Conklin

(55)

Chief Financial Officer, Chief Investment Officer, Treasurer

Compensation896,281.00 USD
SK

Ms. Sheryl Kinlaw

(56)

Chief Legal Officer and Secretary

Compensation788,108.00 USD
HW

Mr. Harvey Waite

(64)

Chief Actuary

Compensation557,178.00 USD
JD

Mr. Jerry Davis

(74)

Independent Chairman of the Board

Compensation155,000.00 USD

Frequently asked questions about Citizens

The business model of Citizens Inc revolves around providing life insurance and annuities products to individuals in both the United States and internationally. Citizens Inc, based in Austin, Texas, focuses on serving middle-income consumers who seek financial security and protection. Through its subsidiaries, the company offers a range of life insurance policies tailored to meet the unique needs of its customers. Citizens Inc also operates globally, primarily in Mexico, providing insurance and investment products to the growing middle-class population. With a strong emphasis on customer service and personalized solutions, Citizens Inc aims to be a leading provider of life insurance and annuities worldwide.

All fundamentals and in-depth analysis of Citizens

Our stock analysis for Citizens stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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