Citizens (CIA) Stock Price

Citizens Price

NYSE·CLOSED
3.87
​
Market closed

Revenue has compounded at 2.6% per year over the past 19 years to 255.62 M USD. Earnings per share have grown at 1.6% per year over the last 19 years. Citizens's net margin stands at 5.7%, down from 29.0% several years earlier. Citizens currently offers a dividend yield of about 2.58%. The payout ratio is around 19% of earnings. Analysts set a median price target of 3.70 USD, implying 4.5% below the current price. Of 5 analysts, 4 rate the stock a buy — an overall Buy consensus.

Citizens stock price

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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.

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.

Citizens Inc is primarily active in the insurance industry.

The main competitors of Citizens Inc in the market include companies such as American National Insurance Company, Torchmark Corporation, and Globe Life Inc.

Citizens Inc. is a reputable insurance company that was founded in 1969. With its headquarters in Austin, Texas, the company specializes in providing life and health insurance products to individuals and corporations. Over the years, Citizens Inc. has built a strong presence in the international market, particularly focusing on serving the needs of expatriates. With a commitment to financial stability and customer satisfaction, Citizens Inc. has become a trusted name in the insurance industry. The company's history is characterized by consistent growth and a dedication to delivering top-notch insurance solutions tailored to meet the evolving needs of its diverse customer base.

Citizens Inc has achieved significant milestones throughout its history. Established in 1969, the company has grown to become a leading provider of life insurance and annuity products. Over the years, Citizens Inc expanded its operations internationally, successfully entering emerging markets and establishing a strong presence in several countries. The company has consistently demonstrated its commitment to financial strength and stability, earning positive ratings from reputable credit agencies. Moreover, Citizens Inc has prioritized customer satisfaction, offering innovative and competitive insurance solutions tailored to the individual needs of its policyholders. With a dedication to long-term success, Citizens Inc continues to make strides in the insurance industry.

Citizens Inc is primarily present in the United States, specifically in Austin, Texas where its headquarters are located. It operates as a leading provider of life and health insurance products within the U.S. market. With over 50 years of experience, Citizens Inc focuses on serving middle-income individuals and families by offering a range of insurance solutions tailored to their needs. As an established player in the American insurance industry, Citizens Inc continues to expand its reach and solidify its presence across different states, providing reliable coverage and financial security to its policyholders.

Citizens Inc represents strong values and a robust corporate philosophy. As a leading insurance company, it is committed to delivering exceptional customer service and providing reliable financial protection to its clients. Citizens Inc's corporate philosophy centers around transparency, integrity, and accountability. The company emphasizes the importance of long-term relationships with its policyholders, aiming to offer peace of mind and financial security. Citizens Inc's dedication to innovation and continuous improvement ensures it remains at the forefront of the insurance industry. With a history spanning more than 50 years, Citizens Inc has earned a reputation for its unwavering commitment to its stakeholders and its dedication to excellence.

Analysts currently set an average price target of 3.70 USD for the Citizens stock (median: 3.70 USD), implying -4.5 % versus the latest price. The consensus is based on 5 analyst ratings.

5 analysts currently rate the Citizens stock: 4 recommend buying, 1 holding and 0 selling. For 2026, analysts expect Citizens to generate revenue of 256.17 M USD and earnings per share of 0.18 USD.

Converted at the current exchange rate, the Citizens share trades at 3.47 EUR (3.87 USD).

The Citizens share (CIA) is listed on 2 stock exchanges, including: NYSE (CIA), Frankfurt (YCX.F).

Citizens Inc. is a holding company primarily engaged in the life insurance and investment business. Based in Austin, Texas, the company offers a wide range of insurance products and investment strategies for customers in the U.S. and Asia.

The expected revenue of Citizens is 256.17 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Citizens is 9.13 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Citizens is currently 21.61. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Citizens stock.

The price-to-sales ratio (P/S) of Citizens is currently 0.77. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Citizens stock.

The Eulerpool Quality Score for Citizens is 2/10.

The ISIN of Citizens is US1747401008. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Citizens is 694147. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Citizens is CIA. The ticker symbol is used to trade Citizens shares on the stock exchange.

Fair ValueTerminal
3.72 USD
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Insurance
Number of shares
Employees
Revenue per Employee
1.05 M USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Currency
USD
Initial public offering
Dec 4, 1980
ISIN
US1747401008
Cusip
174740100
Sedol
2199478
Market capitalization
196.52 M USDMicro Cap
52-Week Range
PEG
0.81
P/E ratio
P/Ee 2026
21.51
P/Ee 2027
14.08
P/Ee 2028
12.29
P/Ee 2029
10.47
P/Ee 2030
9.93
P/S
P/Se
0.77
EV/EBIT
10.11
P/B Ratio
0.84
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
6.17 %
Last updated Oct 31, 2026, 6:39 PM

Citizens Ticker

FRANKFURT · YCX.FNEW YORK · CIA

Citizens FIGI

CIA:US · BBG000DJ3D29CIA:UA · BBG000DJ4FY8CIA:UC · BBG000DJ4GJ3CIA:UN · BBG000DJ4H92CIA:UP · BBG000DJ4J34CIA:UB · BBG000DJ4KK2CIA:UT · BBG000DJ4L75CIA:UM · BBG000DJ4LL9CIA:UX · BBG000DJ4MF4CIA:UD · BBG000DJ4PX7CIA:UF · BBG000DJ4SQ9CIA:VY · BBG000DJ5VR0

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.