CIA

NEUTRAL

$5.71 Live

Citizens, Inc. · NYSE

Target $6.0 (+5.1%)

$3.25 52W Range $6.4

CIA Citizens, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

CIA Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Insurance - Life

Current Price Live

$5.71

Analyst Target

$6.0

+5.1% Upside

52W High

$6.4

52W Low

$3.25

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$287.21M

P/E

20.39

ROE

6.6%

Profit margin

5.7%

Debt/Equity

0.03

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

80%

CIA exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and an exceptionally low Debt/Equity ratio of 0.03. The stock is currently trading at $5.71, which is slightly above its Graham Number ($5.43) but significantly below its growth-based intrinsic value of $8.26. While explosive year-over-year earnings growth (99.5%) and consistent earnings beats provide a strong fundamental catalyst, the outlook is tempered by a heavily bearish technical trend (10/100) and a lack of dividend yield. The company is essentially a growth-oriented small-cap insurance play with strong momentum in earnings surprises but weak price action trends.

Key Strengths

Exceptional leverage profile with Debt/Equity at 0.03

Explosive YoY earnings growth of 99.50%

Trading at a significant discount to intrinsic value ($8.26)

Strong earnings track record with 3/4 recent beats and high average surprises (51.39%)

Positive revenue growth (13.50% YoY)

Key Risks

Severely bearish technical trend (10/100)

Low liquidity ratios (Current Ratio 0.68, Quick Ratio 0.35)

Very low Return on Assets (ROA 0.64%)

Small market capitalization ($0.29B) increasing volatility risk

Lack of dividend support for long-term holders

AI Fair Value Estimate

Based on comprehensive analysis

$6.85

+20.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued Growth with Technical Headwinds

Key drivers: Earnings Growth, Low Debt, Intrinsic Value Gap, Bearish Technicals

Confidence

85%

Value

72/100

Ref P/E 20.39, PEG 1.21, Graham Number $5.43

Positives

Price is close to Graham Number
Significant upside to Intrinsic Value
Reasonable PEG ratio (1.21)

Watchpoints

P/E of 20.39 is moderate for the sector

Future

88/100

Ref 99.5% YoY Earnings Growth

Positives

Triple-digit Q/Q earnings growth
Strong revenue growth trajectory
Consistent earnings surprises

Watchpoints

Small cap scale limits expansion speed

Past

60/100

Ref Historical Price Changes

Positives

Strong 3-year price appreciation (+156.1%)
Recent 1-month price surge (+24.7%)

Watchpoints

Flat 5-year performance (+0.2%)
Historical earnings volatility

Health

55/100

Ref Piotroski F-Score 4/9, Debt/Equity 0.03

Positives

Near-zero debt levels
Piotroski score indicates stability (4/9)

Watchpoints

Poor current and quick ratios
Low ROE (6.55%)

Dividend

0/100

Ref Dividend Yield N/A

Positives

No standout positives identified.

Watchpoints

No dividend payments
0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$5.71

Analyst Target

$6.0

Upside/Downside

+5.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for CIA and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
CIA Citizens, Inc. Primary	+0.2%	+156.1%	+34.0%	+0.7%	+24.7%	+2.1%
RWAY Runway Growth Finance Corp. Peer	-4.8%	-8.1%	-14.8%	-26.1%	-3.8%	+2.7%
CHMG Chemung Financial Corporation Peer	+58.0%	+56.3%	+43.6%	+20.1%	+15.4%	-1.2%
JRVR James River Group Holdings, Inc. Peer	-86.2%	-67.5%	+49.7%	+19.6%	-3.1%	+1.3%
ACV Virtus Diversified Income & Convertible Fund Peer	+58.2%	+76.3%	+36.2%	+30.3%	+7.0%	+2.3%

CIA

Citizens, Inc.

Primary

+0.2%

+156.1%

+34.0%

+0.7%

+24.7%

+2.1%

RWA

Runway Growth Finance Corp.

Peer

-4.8%

-8.1%

-14.8%

-26.1%

-3.8%

+2.7%

CHM

Chemung Financial Corporation

Peer

+58.0%

+56.3%

+43.6%

+20.1%

+15.4%

-1.2%

JRV

James River Group Holdings, Inc.

Peer

-86.2%

-67.5%

+49.7%

+19.6%

-3.1%

+1.3%

ACV

Virtus Diversified Income & Convertible Fund

Peer

+58.2%

+76.3%

+36.2%

+30.3%

+7.0%

+2.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

20.39

16.31

1.21

1.22

1.12

1.07

15.0

$287.21M

Profitability

Profit margins and return metrics

Profit Margin 5.71%

Operating Margin 10.91%

Gross Margin 27.58%

ROE 6.55%

ROA 0.64%

Growth

Revenue and earnings growth rates

Revenue Growth +13.5%

Earnings Growth +99.5%

Q/Q Revenue Growth +13.54%

Q/Q Earnings Growth +102.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.03

Low debt

Current Ratio

0.68

Weak

Quick Ratio

0.35

Poor

Cash/Share

$0.43

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

10.2%

Total Assets

$1.8B

Liabilities

$1.5B

Equity

$0.2B

Debt/Equity

6.47x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07

$N/A

2026-03-12

$0.11

+37.5% surprise

2025-11-06

$0.07

+16.7% surprise

2025-08-07

$0.08

+100.0% surprise

Financial Services Sector Comparison

Comparing CIA against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)

P/E Ratio

20.39

This Stock

38.75

Sector Avg

-47.4% (Discount)

Return on Equity (ROE)

6.55%

This Stock

-0.94%

Sector Avg

-799.8% (Below Avg)

Profit Margin

5.71%

This Stock

58.65%

Sector Avg

-90.3% (Weaker)

Debt to Equity

0.03

This Stock

1.52

Sector Avg

-97.9% (Less Debt)

Revenue Growth

13.5%

This Stock

42.21%

Sector Avg

-68.0% (Slower)

Current Ratio

0.68

This Stock

3.58

Sector Avg

-81.2% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
CIA Citizens, Inc.	NEUTRAL	$287.21M	20.39	6.6%	5.7%	$5.71
RWAY Runway Growth Finance Corp.	BEARISH	$287.49M	7.28	6.8%	24.8%	$6.77	Compare
CHMG Chemung Financial Corporation	NEUTRAL	$285.74M	18.89	6.4%	16.7%	$59.3	Compare
JRVR James River Group Holdings, Inc.	NEUTRAL	$285.01M	7.47	7.9%	6.9%	$6.2	Compare
ACV Virtus Diversified Income...	BEARISH	$289.92M	6.7	-%	-%	$27.94	Compare

CIA Citizens, Inc.

NEUTRAL

Mkt Cap

$287M

P/E

20.4

ROE

6.6%

Price

$5.71

RWAY Runway Growth...

Compare with CIA

Compare with CIA

Compare with CIA

Compare with CIA

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-07	DAVIS CYNTHIA H	Director	Purchase	261	$1,348
2026-03-31	CONKLIN JEFFERY P.	Chief Financial Officer	Stock Award	15,528	-
2026-03-31	KINLAW SHERYL L	Officer	Stock Award	13,664	-
2026-03-31	LEWIS BRYON MATTHEW	Chief Operating Officer	Stock Award	2,197	-
2026-03-31	STENBERG JON	Chief Executive Officer	Stock Award	13,186	-
2026-03-31	GUERRERO PAULA L	Chief Technology Officer	Stock Award	4,120	-
2026-03-30	STENBERG JON	Chief Executive Officer	Purchase	50,000	$235,000
2026-03-27	CONKLIN JEFFERY P.	Chief Financial Officer	Stock Award	24,950	-
2026-03-27	KINLAW SHERYL L	Officer	Stock Award	26,075	-
2026-03-27	LEWIS BRYON MATTHEW	Chief Operating Officer	Stock Award	7,260	-
2026-03-27	STENBERG JON	Chief Executive Officer	Stock Award	20,310	-
2026-03-27	GUERRERO PAULA L	Chief Technology Officer	Stock Award	3,034	-
2026-03-18	STENBERG JON	Chief Executive Officer	Stock Award	45,249	-
2026-03-17	STENBERG JON	Chief Executive Officer	Purchase	10,000	$48,075
2026-02-27	GUERRERO PAULA L	Chief Technology Officer	Purchase	354	$1,989

DAVIS CYNTHIA H

Director

Buy

2026-04-07

261 shares · $1,348

CONKLIN JEFFERY P.

Chief Financial Officer

Stock Award

2026-03-31

15,528 shares

KINLAW SHERYL L

Officer

Stock Award

2026-03-31

13,664 shares

LEWIS BRYON MATTHEW

Chief Operating Officer

Stock Award

2026-03-31

2,197 shares

STENBERG JON

Chief Executive Officer

Stock Award

2026-03-31

13,186 shares

GUERRERO PAULA L

Chief Technology Officer

Stock Award

2026-03-31

4,120 shares

STENBERG JON

Chief Executive Officer

Buy

2026-03-30

50,000 shares · $235,000

CONKLIN JEFFERY P.

Chief Financial Officer

Stock Award

2026-03-27

24,950 shares

KINLAW SHERYL L

Officer

Stock Award

2026-03-27

26,075 shares

LEWIS BRYON MATTHEW

Chief Operating Officer

Stock Award

2026-03-27

7,260 shares

STENBERG JON

Chief Executive Officer

Stock Award

2026-03-27

20,310 shares

GUERRERO PAULA L

Chief Technology Officer

Stock Award

2026-03-27

3,034 shares

STENBERG JON

Chief Executive Officer

Stock Award

2026-03-18

45,249 shares

STENBERG JON

Chief Executive Officer

Buy

2026-03-17

10,000 shares · $48,075

GUERRERO PAULA L

Chief Technology Officer

Buy

2026-02-27

354 shares · $1,989

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-03-12

CIA filed an 8-K on March 12, 2026, likely to announce its annual financial results or the filing of its annual report.

10-K

2026-03-12

CIA filed its annual 10-K report on March 12, 2026. Due to the lack of detailed content in the provided excerpts, specific financial highlights and risk factors cannot be determined.

8-K

2026-03-10

8-K

2025-11-07

10-Q

2025-11-06

CIA submitted its quarterly 10-Q filing on November 6, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for risk disclosures under Item 1A.

10-Q

2025-08-07

CIA submitted its quarterly 10-Q filing on August 7, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

2025-08-07

CIA filed an 8-K on August 7, 2025, likely to announce its second-quarter financial results.

8-K

2025-06-20

10-Q

2025-05-08

CIA submitted its quarterly 10-Q filing on May 8, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

2025-05-08

CIA filed an 8-K on May 8, 2025, likely to announce its first-quarter financial results.

DEF 14A

2025-04-30

8-K

2025-04-11

10-K

2025-03-13

8-K

2025-03-13

10-Q

2024-11-07

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning CIA from our newsroom.

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CIA

CIA Citizens, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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