Citizens

(NYSE) CIA

Current Price$5.38

Market Cap$270.61M

Since IPO (1986)+93%

5 Year-8%

1 Year+32%

1 Month+6%

Citizens Financials at a Glance

Market Cap

$270.61M

Revenue (TTM)

$255.62M

Net Income (TTM)

$14.59M

EPS (TTM)

$0.28

P/E Ratio

18.98

Dividend

$0.00

Beta (Volatility)

0.78 (Low)

Dividend

$0.00

Beta (Volatility)

0.78 (Low)

Price

$5.38

Volume

747

Open

$5.49

Price

$5.38

Volume

747

Open

$5.49

Previous Close

$5.38

Daily Range

$5.38 - $5.49

52-Week Range

$3.25 - $6.40

Dividend

$0.00

Beta (Volatility)

0.78 (Low)

Price

$5.38

Volume

747

Open

$5.49

Previous Close

$5.38

Daily Range

$5.38 - $5.49

52-Week Range

$3.25 - $6.40

CIA News

Citizens (CIA) Q2 Net Income Jumps 63%

Motley Fool Markets TeamAug 7, 2025

9 Insurance Stocks Insiders Are Buying

Cindy JohnsonJun 29, 2011

CIA: Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

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About Citizens

Industry

Insurance

Sector

Financials

Employees

246

CEO

Jon S. Stenberg, MBA

Website

www.citizensinc.com

Headquarters

Austin, TX 78758, US

CIA Financials

Key Financial Metrics (TTM)

Gross Margin

35%

Operating Margin

Net Income Margin

Return on Equity

Return on Capital

Return on Assets

Earnings Yield

5.27%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$270.61M

Shares Outstanding

50.30M

Volume

747

Avg. Volume

115.61K

Financials (TTM)

Gross Profit

$90.59M

Operating Income

$17.47M

EBITDA

$18.21M

Operating Cash Flow

$17.99M

Capital Expenditure

$447.00K

Free Cash Flow

$17.54M

Cash & ST Invst.

$21.95M

Total Debt

$7.87M

Citizens Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q4 2025YOY CHG

Revenue

$72.07M

+13.5%

Gross Profit

$20.27M

-34.6%

Gross Margin

28.13%

N/A

Market Cap

$270.61M

N/A

Market Cap/Employee

$1.10M

N/A

Employees

247

N/A

Net Income

$7.34M

+102.7%

EBITDA

$7.97M

+104.8%

Quarterly Fundamentals

Name

Q4 2025YOY CHG

Net Cash

$14.09M

-31.6%

Accounts Receivable

$11.30M

-39.5%

Inventory

$0.00

N/A

Long Term Debt

$6.27M

N/A

Short Term Debt

$1.60M

+11.8%

Return on Assets

0.83%

N/A

Return on Invested Capital

1.02%

N/A

Free Cash Flow

$8.99M

-16.2%

Operating Cash Flow

$9.10M

-16.0%

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Questions About CIA

What is the current price of Citizens?

Citizens is trading at $5.38 per share.

What is the 52-week range for Citizens?

Over the past 52 weeks, Citizens has traded between $3.25 and $6.40.

How much debt does Citizens have?

As of the most recent reporting period, Citizens reported total debt of $7.87M.

How much cash does Citizens have on hand?

Citizens reported $22.98M in cash and cash equivalents in its most recent financial results.

What is Citizens’s dividend yield?

Citizens does not currently have a dividend yield.

Citizens

Citizens Financials at a Glance

CIA News

Citizens (CIA) Q2 Net Income Jumps 63%

9 Insurance Stocks Insiders Are Buying

CIA: Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Citizens

CIA Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Citizens Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About CIA

What is the current price of Citizens?

What is the 52-week range for Citizens?

How much debt does Citizens have?

How much cash does Citizens have on hand?

What is Citizens’s dividend yield?

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