Citizens, Inc. (CIA) Stock Price & Analysis
Citizens, Inc. (CIA) fell 1.63% to USD 4.84 as of July 26, 2026 at 03:38 UTC, according to Nexqual real-time market data.
CIA last closed at USD 4.92; the session ranged USD 4.78–5.03 on volume of 93,038 shares. Market capitalization is $244.68M, with a 52-week range of USD 3.76–6.54 (NYQ). Source: Nexqual, July 26, 2026 at 03:38 UTC.
Key Statistics (as of July 26, 2026 at 03:38 UTC)
| Price | USD 4.84 |
|---|---|
| Change | ▼ 1.63% (down) |
| Previous Close | USD 4.92 |
| Open | USD 4.97 |
| Day Range | USD 4.78 – 5.03 |
| 52-Week Range | USD 3.76 – 6.54 |
| Volume | 93,038 shares |
| Market Cap | $244.68M |
| Exchange | NYQ |
Technical Analysis (CIA)
Nexqual's technical model rates CIA "SELL" based on 1 bullish and 5 bearish signals across 125 daily candles, as of July 26, 2026 at 03:38 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 30.86 (neutral) |
| vs SMA50 | Below (USD 5.43) |
| MACD | -0.16 (negative) |
Analyst Ratings (CIA)
Wall Street analysts rate CIA "None" based on 1 analysts, with a mean price target of USD 6 (range USD 6–6), per Nexqual as of July 26, 2026 at 03:38 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 1 |
| Mean Target | USD 6 |
| High Target | USD 6 |
| Low Target | USD 6 |
| Buy / Hold / Sell | 0 / 0 / 0 |
Earnings (CIA)
| Next Earnings Date | 2026-08-06 |
|---|---|
| EPS Estimate | USD 0.07 |
| Revenue Estimate | $63.85M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0.03 vs est 0.05 ▼ miss |
| 2025-12-31 | USD 0.11 vs est 0.08 ▲ beat |
| 2025-09-30 | USD 0.07 vs est 0.06 ▲ beat |
| 2025-06-30 | USD 0.08 vs est 0.04 ▲ beat |
Source: Nexqual, July 26, 2026 at 03:38 UTC.
Financials & Fundamentals (CIA)
| Total Revenue | $259.68M |
|---|---|
| Revenue Growth (YoY) | +7.30% |
| Gross Margin | +29.02% |
| Operating Margin | +3.98% |
| Profit Margin | +7.12% |
| ROE | +8.09% |
| Current Ratio | 0.65 |
| Total Cash | $16.97M |
| Total Debt | $0 |
| Free Cash Flow | $9.06M |
Source: Nexqual, July 26, 2026 at 03:38 UTC.
Financial Health Score (CIA)
Nexqual rates Citizens, Inc.'s overall financial health "Mixed" across five dimensions, as of July 26, 2026 at 03:38 UTC.
| Growth | Mixed — Revenue +4.3% YoY (annual), slow |
|---|---|
| Profitability | Mixed — Gross margin 29%, operating 4% |
| Balance Sheet | Mixed — $17M cash, no debt |
| Cash Flow | Mixed — FCF $9M, slim 3.5% margin |
| Efficiency | Mixed — ROE 8%, ROA 0.8% |
Ownership (CIA)
| Insider Ownership | +11.42% |
|---|---|
| Institutional Ownership | +28.41% |
| Shares Outstanding | 50.55M |
| Float | 45.12M |
| Short % of Float | +7.73% |
Source: Nexqual, July 26, 2026 at 03:38 UTC.
Leadership (CIA)
Citizens, Inc. is led by Jon Scott Stenberg (age 59), President CEO & Director, per Nexqual as of July 26, 2026 at 03:38 UTC.
| President CEO & Director | Jon Scott Stenberg (age 59) |
|---|---|
| CFO, Chief Investment Officer & Treasurer | Jeffery Paul Conklin (age 55) |
| Chief Operating Officer | Bryon Matthew Lewis (age 51) |
Major Backers & Investors (CIA)
Notable institutional backers of Citizens, Inc. include Continental General Insurance Co, First Eagle Investment Management, LLC, Fidelity, according to Nexqual as of July 26, 2026 at 03:38 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Continental General Insurance Co | 5.05% |
| First Eagle Investment Management, LLC | 2.17% |
| Fidelity | 1.35% |
| UBS Group AG | 1.28% |
| Bridgeway Capital Management, LLC | 0.98% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.43% |
| Vanguard Group | 8.67% |
| Geode Capital | 2.08% |
| State Street | 1.32% |
| Northern Trust | 0.68% |
Source: Nexqual, July 26, 2026 at 03:38 UTC.
From Citizens, Inc.'s Latest SEC 10-K Filing (filed 2026-03-12)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| HMN | Horace Mann Educators Corporati | USD 52.1 | ▲ 1.44% |
| CIX | CompX International Inc. | USD 26.7 | ▲ 0.83% |
| EIG | Employers Holdings Inc | USD 49.79 | ▲ 0.81% |
| CLPR | Clipper Realty Inc. | USD 2.88 | ▲ 0.35% |
| CCNE | CNB Financial Corporation | USD 34.67 | ▲ 2.79% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 26, 2026 at 03:38 UTC. This page is informational and not investment advice.