Citizens, Inc (CIA) Fair Value & Analysis
Financial Services · US · Market cap $296M
Citizens, Inc
CIA · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price +19.1% over the past month.
Price vs Fair Value (12 months)
12‑month range $3.18 – $6.14 · fair‑value band $2.81 – $4.69 · the $5.95 price screens above the $3.75 fair value. As of Jun 26, 2026.
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Citizens, Inc (CIA) currently trades at $5.95, while our model-based Fair Value estimate is $3.75 — implying the stock looks roughly 37.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Citizens, Inc generated revenue of $260M at a net margin of 7.1%. Revenue grew 7.3% year over year. It earns a return on equity of 8.1%. The balance sheet holds a net cash position of $21.4M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Citizens, Inc reported revenue of $256M in FY2025 versus $251M in FY2021, a compound +0.5%/yr. Reported net income was $14.6M in FY2025, compounding −33.1%/yr from FY2021.
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Similar stocks
6 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Ping An Insurance (Group) Company 601318 | ¥53.22 | ¥106.44 | +100% |
| China Life Insurance Company 601628 | ¥34.63 | ¥69.26 | +100% |
| AIA Group AAGIY | $37.75 | $46.53 | +23% |
| Manulife Financial Corporation MFC | $40.19 | $33.76 | -16% |
| China Pacific Insurance (Group) Co CHPXF | $3.65 | $5.85 | +60% |
| Aflac Incorporated AFL | $116.55 | $78.53 | -33% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.