CIA
NYSE
US
Citizens, Inc. Class A Common Stock ($1.00 Par)
$5.55
▼ $-0.04
(-0.72%)
Vol 4K
Mkt Cap
$269.6M
P/E
18.5
ROE
6.4%
Margin
5.7%
Beta
0.52
52W
$3–$6
Wall Street Consensus
5 analysts · Dec 20252
Strong Buy
2
Buy
1
Hold
0
Sell
0
Strong Sell
80.0%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 50.0%
Next Report
May 13, 2026
EPS Estimate: $0.05
| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Mar 2026 | $0.05 | — | — |
| Dec 2025 | $0.08 | $0.14 | +$0.06 |
| Sep 2025 | $0.06 | $0.04 | $-0.02 |
| Jun 2025 | $0.04 | $0.13 | +$0.09 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $63.5M | $55.7M | $65.1M | $62.8M | $72.1M |
| Net Income | $3.6M | -$1.6M | $6.5M | $2.4M | $7.3M |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
1.05
P/B
1.0
EPS (TTM)
$0.28
CF/Share
$0.36
Rev Growth 3Y
+3.2%
52W High
$6.40
52W Low
$3.25
$3.25
52-Week Range
$6.40
Financial Health
Free Cash Flow
$9.0M
Cash
$21.4M
As of Dec 31, 2025
How does CIA compare to Insurance peers?
Peer group: Peers · Insurance (Peers) · 7 companies
CIA valuation vs Insurance peers
P/E ratio
18.5
▲
20%
above
peers
(15.4)
vs Peers
vs Industry
Overvalued
P/S ratio
1.1
▲
79%
above
peers
(0.6)
vs Peers
vs Industry
Overvalued
P/B ratio
1.0
▲
0%
above
peers
(1.0)
vs Peers
vs Industry
Fair value
Div yield
—
▼
0%
below
peers
(2.2%)
vs Peers
vs Industry
In line
CIA profitability vs Insurance peers
ROE
6.4%
▲
0%
above
peers
(6.4%)
vs Peers
vs Industry
In line
Net margin
5.7%
▲
17%
above
peers
(4.9%)
vs Peers
vs Industry
Below avg
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▲
110%
above
peers
(0.4%)
vs Peers
vs Industry
Top tier
CIA financial health vs Insurance peers
D/E ratio
—
▼
0%
below
peers
(49.6)
vs Peers
vs Industry
Low debt
Current ratio
0.0
▼
70%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼
45%
below
peers
(0.9)
vs Peers
vs Industry
More volatile
CIA fundamentals radar
CIA
Peer median
Industry
CIA profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CIA vs peers: key metrics
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