Citizens Stock Today

CIA Stock  USD 5.52  0.06  1.10%   

Performance

Weak

 
Weak
 
Strong

Odds Of Distress

Low

 
High
 
Low
Citizens is trading at 5.52 as of the 26th of January 2026, a 1.10 percent increase since the beginning of the trading day. The stock's open price was 5.46. Citizens has only a 8 % chance of going through financial distress over the next few years but had a somewhat weak performance during the last 90 days. The performance scores are derived for the period starting the 28th of October 2025 and ending today, the 26th of January 2026. Click here to learn more.
Business Domain
Insurance
IPO Date
5th of December 1988
Category
Financial Services
Classification
Financials
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas. Citizens operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. The company has 50.3 M outstanding shares of which 4.31 M shares are currently shorted by investors with about 40.77 days to cover. More on Citizens

Moving against Citizens Stock

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Follow Valuation Options Odds of Bankruptcy
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Citizens Stock Highlights

ESG Sustainability
Environmental
Governance
Social
President CEOJon Stenberg
Old Names[China Eastern Airlines Corporation Limited, China Eastern Airlines Corp Ltd]
Business ConcentrationLife & Health Insurance, Insurance - Life, Financial Services, NYSE Composite, SPASX 300 Metals, SPASX All Australian, ASX Small Ordinaries, HNX, Financials, Insurance, Insurance—Life, Financial Services (View all Sectors)
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.240.17
Significantly Up
Very volatile
Gross Profit Margin0.330.57
Way Down
Slightly volatile
Total Current Liabilities5.7 M10.1 M
Way Down
Slightly volatile
Non Current Liabilities Total1.8 B1.7 B
Sufficiently Up
Slightly volatile
Total AssetsB1.9 B
Sufficiently Up
Slightly volatile
Total Current Assets32 M33.7 M
Notably Down
Slightly volatile
Total Cash From Operating Activities42 M36.7 M
Fairly Up
Slightly volatile
Debt Levels
Citizens can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Citizens' financial leverage. It provides some insight into what part of Citizens' total assets is financed by creditors.
Liquidity
Citizens has 7.79 M in debt with debt to equity (D/E) ratio of 0.03, which may show that the company is not taking advantage of profits from borrowing. Citizens has a current ratio of 0.58, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for Citizens to invest in growth at high rates of return.

Sale Purchase Of Stock

(371,385)
Citizens (CIA) is traded on New York Stock Exchange in USA and employs 247 people. Citizens is listed under Life & Health Insurance category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a total capitalization of 277.64 M. Citizens runs under Insurance sector within Financials industry. The entity has 50.3 M outstanding shares of which 4.31 M shares are currently shorted by investors with about 40.77 days to cover. Citizens has about 29.27 M in cash with 31.92 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 0.44.
Check Citizens Probability Of Bankruptcy
Ownership Allocation
Citizens holds a total of 50.3 Million outstanding shares. Citizens shows 10.94 percent of its outstanding shares held by insiders and 26.25 percent owned by other corporate entities. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Check Citizens Ownership Details

Citizens Stock Institutional Holders

InstituionRecorded OnShares
Barclays Plc2025-06-30
146 K
Charles Schwab Investment Management Inc2025-06-30
137.9 K
Truffle Hound Capital, Llc2025-06-30
135 K
Arrowstreet Capital Limited Partnership2025-06-30
132.2 K
Bank Of New York Mellon Corp2025-06-30
102.6 K
Millennium Management Llc2025-06-30
93.1 K
Winton Capital Group Ltd2025-06-30
86.7 K
T. Rowe Price Associates, Inc.2025-06-30
65.9 K
Morgan Stanley - Brokerage Accounts2025-06-30
60 K
Blackrock Inc2025-06-30
2.9 M
Vanguard Group Inc2025-06-30
2.4 M
View Citizens Diagnostics

Citizens Historical Income Statement

At present, Citizens' Gross Profit is projected to increase significantly based on the last few years of reporting. The current year's Total Operating Expenses is expected to grow to about 128.9 M, whereas Total Revenue is forecasted to decline to about 150.8 M. View More Fundamentals

Citizens Stock Against Markets

Citizens Corporate Directors

Francis KeatingIndependent DirectorProfile
Constance WeaverIndependent DirectorProfile
Terry ManessIndependent DirectorProfile
Christopher ClausIndependent DirectorProfile
When determining whether Citizens offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as various price indices.
For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.
You can also try the CEOs Directory module to screen CEOs from public companies around the world.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.20)
Earnings Share
0.21
Revenue Per Share
4.936
Quarterly Revenue Growth
0.017
Return On Assets
0.0048
The market value of Citizens is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens' value that differs from its market value or its book value, called intrinsic value, which is Citizens' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens' market value can be influenced by many factors that don't directly affect Citizens' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens' value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.