Citizens, Inc.
CIAFinancial ServicesNASDAQInsurance - Life
Scan Results
Daily timeframeCitizens, 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.,. The company carries a $287.1M market cap, placing it firmly in the micro-cap category. The company operates in two segments, Life Insurance and Home Service Insurance.
Market Cap
$287.1M
Beta
0.47
P/E (TTM)
16.23
P/E (Fwd)
15.78
EPS (TTM)
$0.35
EPS (Fwd)
$0.36
ROE
8.1%
ROA
0.8%
Cash
$17.0M
Total Debt
$0
Free CF
$9.1M
52W Change
56.5%
Annual Financials
Cash vs Debt
Citizens, Inc. reports $17.0M in cash and $0 in total debt. Annual free cash flow of $9.1M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 8.1% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $232.5M (2022) to $255.6M (2025).
The relatively low beta of 0.47 suggests CIA is a less volatile holding compared to the broader index. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CIA.