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NYSE · CIAFinancialsInsurance

Citizens, Inc. (CIA)

$4.12+7.85%
Close Nov 4, 2026 · split-adjusted
Nov 2, 2026$3.72▼ 35.75% in range
Nov 3, 2025Low $3.37 · High $6.38Nov 2, 2026
What changed · written from our data
As of Nov 4, 2026

Citizens closed at $4.12 on Nov 4, up 7.85%, 35.4% below its 52-week closing high. Volume of 169.7K shares was 1.47× its 20-day average (above normal).

Split-adjusted performance: +17.0% over one month, -26.7% over six months, -28.8% over one year.

In the quarter ended Jun 30, 2026, revenue was $59.24M, down 5.9% from a year earlier, with a net margin of -0.7%.

Short interest was 4.4M shares at the Oct 15 settlement (9.9% of float, 42.7 days to cover).

Market cap$208.6M50.6M shares
Revenue · quarter$59.2M−5.9% YoY
Diluted EPS$-0.01−107.7% YoY
P/E · TTM18.0×P/S 0.8×
Net margin-0.7%Gross 26.4%
Dividend yieldNone
52-week range3.37 – 6.38−35.4% from high
Volume169.7K1.47× 20-day avg
Volatility · 60d42.1%Annualised
Short % of float9.9%42.7 days to cover
Net cash$17.0MCash $17.0M
Next earnings—Not scheduled
Split-adjusted performance
1W +8.4%1M +17.0%3M −9.8%6M −26.7%YTD −14.7%1Y −28.8%3Y +28.3%5Y −35.1%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Insurance

Percentile among 127 companies (100 = best)

6-month momentum9
Revenue growth16
Net margin11
Value (low P/E)30
Size10

Industry medians: 6-month return +15.3%, revenue growth +6.7%, net margin 10.3%, P/E 12.5×.

Short interest

Details →
Shares short4.4M+0.6% vs prior
Days to cover42.7Settled Oct 15
% of float9.9%
Short vol. 10d71.4%of daily volume

Closest peers by size in Insurance

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
CIACitizens$4.12+7.85%−26.7%−5.9%−0.7%18.0$208.6M
BHFANBrighthouse Financial, Inc. Depositary shares, each representing a 1/1,000th interest in a share of 5.375% Non-Cumulative Preferred Stock, Series C$10.53+2.33%−18.4%+86.2%58.9%0.3$210.6MCompare
MBIMBIA$4.58+3.41%−24.9%+17.4%−170.4%—$233.7MCompare
OSGOctave Specialty Group$5.23+4.39%+23.9%+30.7%−0.6%5.6$235.6MCompare
JRVRJames River Group Holdings$3.94+2.07%−12.5%−7.7%2.7%8.0$182.2MCompare
BHFAOBrighthouse Financial, Inc. Depositary Shares 6.75% Non-Cum Pfd Series B$12.88+2.47%−22.3%+86.2%58.9%0.2$180.3MCompare
KINSKingstone Companies$20.31+1.86%+23.5%+25.9%23.5%8.3$294.0MCompare
KWYKingsway$10.19+3.61%——−2.2%—$294.7MCompare
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G$15.25+2.83%−10.9%−10.5%22.4%0.1$305.0MCompare

News about Citizens

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No recent articles focused on Citizens. 1 articles mention it in passing.

Quick answers

What does Citizens do?
Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S.
What is CIA's market cap?
$208.65M, based on the Nov 4 close of $4.12.
What is CIA's P/E ratio?
18.0× trailing-twelve-month earnings of $11.60M.
Does Citizens pay a dividend?
No regular cash dividend has been paid in the last year.
How much of CIA is sold short?
4.4M shares, 9.9% of float, as of Oct 15, 2026.
What sector is CIA in?
Financials, in the Insurance industry.

About Citizens

Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Domestic Insurance and International Insurance segments.. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.

HQ: Austin, TX246 employeesListed Dec 30, 1988citizensinc.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology