Citizens Inc (CIA)
Citizens, Inc. is a financial services company focused on insurance products for individuals and small businesses. Through its two operating segments, Life Insurance and Home Service Insurance, the company sells life, living benefits, final expense, and related protection products in the United States, as well as in parts of Latin America and Asia. Its Life Insurance business markets U.S. dollar-denominated whole life, endowment, and critical illness policies to non-U.S. residents through independent distribution partners. The Home Service Insurance segment serves households in Louisiana, Mississippi, and Arkansas with final expense life insurance, critical illness coverage, and accident and health policies, using funeral homes and independent agents. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas. The listed security is common stock on the NYSE.
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| Ticker | Fair Value | Fair Value Upside/Downside | Fair Value Rating | Analyst Price Target | Analyst Target Upside/Downside | Analyst Target Rating | Overall Financial Health | Dividend Yield | Next Earnings Date | P/E Ratio | Price-to-Book Ratio | Price-to-Sales Ratio | Market Cap | Enterprise Value | Total Debt / Total Capital | Free Float / Shares Outstanding | Altman Z-Score | Free Cash Flow / Net Income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
NYSE-CIA
|
$4.17
|
15.7% Upside
|
Fair
|
$5.25
|
45.8% Upside
|
Undervalued
|
Fair
|
0.0%
|
November 5, 2026
|
15.7x
|
0.8x
|
0.7x
|
182.3 M
|
166.9 M
|
0.0%
|
89.1%
|
0.3
|
129.0%
|
