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Company Analysis

Citizens, Inc. CIA

A comprehensive view of key metrics, scores, and financial health for Citizens, Inc.

Overview of Citizens, Inc.

CIA NYQ
Financial Services Insurance - Life Micro Cap
Citizens, Inc. (CIA), is a Micro Cap company, in the Insurance - Life industry, last closed at $5.73, about 20.9% overvalued vs fair value, +42.2% 1Y return, placing in the top 10% of its sector.
$5.73
1.96%
As of April 28, 2026
Previous close • Vol 90d: 51.3%
52-Week Range
Market Cap
$282.70M
Enterprise Value
$237.01M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.citizensinc.com
HQ Austin, TX
Employees 247
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$5
$8
Current: $5.73 -21% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$245.0M
1.8%%
Claims & Losses
$-123.3M
4.7%%
Acquisition & Admin Expenses
$-52.3M
Underwriting Result
$15.0M
-92.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
50.3%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$416.0K
2.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Citizens, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
40
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CIA's balance between Growth (25.7%), Profitability (36.7%), and Safety (37.6%). Growth 26% Safety 38% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
42
Key Signals
Equity Growth YoY 22.6% 84p Revenue CAGR 3Y -0.7% 41p Rev Growth YoY 1.8% 28p EPS Growth YoY -39.9% 15p Asset Growth YoY 1.0% 41p
Strengths
  • Equity Growth YoY in top 20% of peers (22.6%, 84th percentile)
  • ROE in top 20% of peers (20.3%, 89th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (32.53, 92th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-39.9%)

Profitability

59th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Citizens, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$4.53
- - -
-20.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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