Citizens (CIA) Stock Price
Citizens Price
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 2.81%. The payout ratio is around 19% of earnings. Analysts set a median price target of 6.12 USD, implying 72.2% above the current price. Of 5 analysts, 4 rate the stock a buy — an overall Buy consensus. The stock trades about 2% above its 52-week low.
Citizens stock price
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Stock Price
ⓘ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.
| Date | Citizens Price |
|---|---|
| 9/11/2026 | 3.56 USD |
| 9/10/2026 | 3.50 USD |
| 9/9/2026 | 3.61 USD |
| 9/8/2026 | 3.92 USD |
| 9/4/2026 | 3.95 USD |
| 9/3/2026 | 3.97 USD |
| 9/2/2026 | 3.89 USD |
| 9/1/2026 | 3.81 USD |
| 8/31/2026 | 3.76 USD |
| 8/30/2026 | 3.72 USD |
| 8/28/2026 | 3.93 USD |
| 8/27/2026 | 3.93 USD |
| 8/26/2026 | 3.93 USD |
| 8/25/2026 | 3.89 USD |
| 8/24/2026 | 3.82 USD |
| 8/21/2026 | 3.76 USD |
| 8/20/2026 | 3.80 USD |
| 8/19/2026 | 3.85 USD |
| 8/18/2026 | 3.82 USD |
| 8/14/2026 | 3.97 USD |
| 8/13/2026 | 3.90 USD |
| 8/12/2026 | 3.92 USD |
| 8/11/2026 | 3.72 USD |
| 8/10/2026 | 3.84 USD |
| 8/7/2026 | 3.80 USD |
| 8/6/2026 | 4.57 USD |
| 8/5/2026 | 4.68 USD |
| 8/4/2026 | 4.56 USD |
| 8/3/2026 | 4.66 USD |
| 7/31/2026 | 4.73 USD |
Citizens Revenue, EBIT, Net Income
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Citizens Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| EBITM USD |
| EBIT MARGIN% |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 236.00 | 245.00 | 252.00 | 244.00 | 250.00 | 238.00 | 250.00 | 232.00 | 240.00 | 245.00 | 255.00 | 256.00 | 267.00 | 272.00 | 272.00 | 276.00 |
| 2.61 | 3.81 | 2.86 | -3.17 | 2.46 | -4.80 | 5.04 | -7.20 | 3.45 | 2.08 | 4.08 | 0.39 | 4.30 | 1.87 | – | 1.47 |
| 18.64 | 19.18 | 19.44 | 22.54 | 24.00 | 19.33 | 51.20 | 49.14 | 100.00 | 49.39 | 35.29 | 35.29 | 35.29 | 35.29 | 35.29 | 35.29 |
| 44.00 | 47.00 | 49.00 | 55.00 | 60.00 | 46.00 | 128.00 | 114.00 | 240.00 | 121.00 | 90.00 | 90.35 | 94.24 | 96.00 | 96.00 | 97.41 |
| -1.00 | 5.00 | -2.00 | 2.00 | 5.00 | -12.00 | 30.00 | 27.00 | 193.00 | 14.00 | 17.00 | 9.00 | 14.00 | 14.00 | 20.00 | 21.00 |
| -0.42 | 2.04 | -0.79 | 0.82 | 2.00 | -5.04 | 12.00 | 11.64 | 80.42 | 5.71 | 6.67 | 3.52 | 5.24 | 5.15 | 7.35 | 7.61 |
| -3.00 | 1.00 | -38.00 | -11.00 | -1.00 | -10.00 | 72.00 | 26.00 | 24.00 | 14.00 | 14.00 | 9.00 | 13.00 | 15.00 | 18.00 | 19.00 |
| -40.00 | -133.33 | -3,900.00 | -71.05 | -90.91 | 900.00 | -820.00 | -63.89 | -7.69 | -41.67 | – | -35.71 | 44.44 | 15.38 | 20.00 | 5.56 |
| 50.08 | 50.08 | 50.08 | 50.23 | 49.51 | 51.27 | 49.53 | 49.82 | 49.55 | 49.91 | 50.99 | 50.99 | 50.99 | 50.99 | 50.99 | 50.99 |
Details
Income Statement Key Figures
ⓘ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
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Citizens Stock Revenue, EBIT, Earnings per Share
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Citizens business model & stock analysis
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 Employees
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Citizens Segments
Citizens Revenue by Segment (1/3)
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Citizens Revenue by Segment (2/3)
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Citizens Revenue by Segment (3/3)
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Citizens Eulerpool Fair Value
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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
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down Citizens'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 Citizens'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 Citizens'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
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Citizens stock splits
Since 1999, a total of 1.6129344903050005 shares have been converted from one Citizens share.
Citizens Dividend History
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Citizens dividend payout ratio
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Current Citizens forecasts and price targets in September 2026
Analyst Price Targets 2026Citizens Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 11/5/2026 | 0.03USD | - | 64.72 MUSD | - | 2026 Q3 |
| 8/6/2026 | 0.07USD | 0.01USD | 63.85 MUSD | - | 2026 Q2 |
| 5/7/2026 | 0.05USD | 0.03USD | 58.74 MUSD | - | 2026 Q1 |
| 3/12/2026 | 0.08USD | 0.11USD | 67.89 MUSD | - | 2025 Q4 |
| 11/6/2025 | 0.06USD | 0.07USD | 67.89 MUSD | - | 2025 Q3 |
| 8/7/2025 | 0.04USD | 0.13USD | 62.71 MUSD | - | 2025 Q2 |
| 3/13/2025 | 0.10USD | 0.07USD | 64.66 MUSD | - | 2024 Q4 |
| 11/7/2024 | 0.08USD | 0.05USD | 64.66 MUSD | - | 2024 Q3 |
| 8/6/2024 | 0.06USD | 0.08USD | 63.10 MUSD | - | 2024 Q2 |
| 5/7/2024 | 0.06USD | 0.09USD | 55.95 MUSD | - | 2024 Q1 |
EESG©
Eulerpool ESG Scorecard© for the Citizens stock
EEnvironment
Environment
SSocial
Social
GGovernance (Corporate Governance)
Governance (Corporate Governance)
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 |
|---|---|
5.96420% | |
4.92855% | |
4.28922% | |
2.03088% | |
1.51373% | |
1.21725% |
Citizens Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
40.90% | SEC ↗ | |
23.80% | SEC ↗ | |
15.90% | SEC ↗ | |
14.20% | SEC ↗ | |
8.40% | SEC ↗ | |
7.49% | SEC ↗ | |
6.58% | SEC ↗ | |
5.80% | SEC ↗ | |
5.70% | SEC ↗ | |
5.22% | SEC ↗ |
Citizens Executives and Management Board
14 members · avg. age 63 · 29 % women
Mr. Jon Stenberg (59)
President, Chief Executive Officer
1.44 M USD
Management
Mr. Jeffrey Conklin (55)
Chief Financial Officer, Chief Investment Officer, Treasurer
Ms. Sheryl Kinlaw (56)
Chief Legal Officer and Secretary
Mr. Harvey Waite (64)
Chief Actuary
Mr. Bryon Lewis (50)
Chief Operating Officer
Ms. Paula Guerrero (60)
Chief Information Officer
Mr. Jeff Christensen
IR Contact Officer · since 2024
Board of Directors
Mr. Jerry Davis (74)
Independent Chairman of the Board
Mr. Christopher Claus (64)
Independent Director
Ms. Cynthia Davis (59)
Independent Director
Dr. Terry Maness (76)
Independent Director
Mr. J. Keith Morgan (74)
Independent Director
Ms. Mary Taylor (59)
Independent Director
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 6.12 USD for the Citizens stock (median: 6.12 USD), implying +72.2 % 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 3.08 EUR (3.56 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 19.84. 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 0.71. 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 3/10.
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.
The current dividend yield of Citizens is 2.81 %.
Citizens paid dividends every year for the past 0 years.
Citizens is assigned to the 'Finance' sector.
To receive the latest dividend of Citizens from 3/1/2022 amounting to 0.1 USD, you needed to have the stock in your portfolio before the ex-date on 2/7/2022.
The last dividend was paid out on 3/1/2022.
In the year 2022, Citizens distributed 0.1 USD as dividends.
The dividends of Citizens are distributed in USD.
Citizens stock
Citizens Peer Group
Citizens Ticker
Citizens FIGI
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.