Tearsheet

Citizens (CIA)

Market Price (3/14/2026): $4.61 | Market Cap: $231.7 Mil
Sector: Financials | Industry: Life & Health Insurance

Citizens (CIA)

Market Price (3/14/2026): $4.61
Market Cap: $231.7 Mil
Sector: Financials
Industry: Life & Health Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -23%	Weak multi-year price returns 3Y Excs Rtn is -20%	Significant short interest Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 48.1
1	Attractive yield FCF Yield is 8.4%		Key risks CIA key risks include [1] regulatory scrutiny and potential supervisory actions that could adversely affect its ability to execute strategic plans, Show more.
2	Megatrend and thematic drivers Megatrends include Aging Population & Chronic Disease. Themes include Geriatric Care, Diabetes Management, and Oncology Treatments.

0	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -23%
1	Attractive yield FCF Yield is 8.4%
2	Megatrend and thematic drivers Megatrends include Aging Population & Chronic Disease. Themes include Geriatric Care, Diabetes Management, and Oncology Treatments.
3	Weak multi-year price returns 3Y Excs Rtn is -20%
4	Significant short interest Short Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 48.1
5	Key risks CIA key risks include [1] regulatory scrutiny and potential supervisory actions that could adversely affect its ability to execute strategic plans, Show more.

Valuation, Metrics & Events

	3/14/26	2025	2024	2023	2022	2021
Share Price CYE	$4.61	$4.83	$4.01	$2.69	$2.13	$5.31
Market Cap CYE ($ Mil)	231.7	242.8	199.8	133.5	106.7	263.5
Total Debt ($ Mil)	0.0	0.0	0.0	0.0	0.0	0.0
Total Cash ($ Mil)	21.6	21.6	32.4	16.8	21.0	30.1
Enterprise Value ($ Mil)	210.2	242.8	199.8	133.5	106.7	263.5
Valuation Ratios
P/S TTM	0.9	1.0	0.8	0.6	0.5	1.1
P/EBIT TTM	-	-	-	-	-	-
P/E TTM	21.3	22.3	9.1	4.9	1.2	1,401.8
P/FCF TTM	12.0	12.6	7.4	4.1	1.9	7.0
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	6.9	7.3	8.4	7.2	7.7	6.9
P/E TTM (Sector)	10.8	11.1	11.7	9.8	9.6	10.0
P/FCF TTM (Sector)	8.2	8.7	8.7	7.6	6.4	7.5

	3/14/26	2025	2024
Share Price CYE	$4.61	$4.83	$4.01
Market Cap CYE ($ Mil)	231.7	242.8	199.8
Total Debt ($ Mil)	0.0	0.0	0.0
Total Cash ($ Mil)	21.6	21.6	32.4
Enterprise Value ($ Mil)	210.2	242.8	199.8
Valuation Ratios
P/S TTM	0.9	1.0	0.8
P/EBIT TTM	-	-	-
P/E TTM	21.3	22.3	9.1
P/FCF TTM	12.0	12.6	7.4
Sector Ratios
P/S TTM (Sector)	3.0	3.1	3.1
P/EBIT TTM (Sector)	6.9	7.3	8.4
P/E TTM (Sector)	10.8	11.1	11.7
P/FCF TTM (Sector)	8.2	8.7	8.7

	CIA	S&P 500
REVENUE GROWTH
Rev LTM ($ Bil)	0.2
Rev Chg Q	1.7%	7.3%
Rev Chg LTM	-0.5%	6.6%
Rev Chg 3Y Avg	1.7%	5.7%
PROFITABILITY	VERY POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.0
Net Inc LTM ($ Bil)	0.0
CFO/Rev LTM	8.0%	20.9%
Net Inc Mgn	4.4%	12.8%
VALUATION	LOW
P/S	0.9	3.1
P/CFO	11.8	15.3
P/FCF	12.0	20.0
P/E	21.3	24.2

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Metric	Value	Date	Source
Total direct insurance in force	over $5.2 billion	12312024	Link
Insurance issued	$262.6 million	12312024	Link
Global producing agents	up 72% since December 31, 2023	12312024	Link
Number of countries with policies in force	more than 75	3132025	Link
Producing agents increase since year-end 2024	28%	8072025	Link

Upcoming
3/12/2026	Earnings Release	Rev: $67 Mil (E) EPS: $0.08 (E)
5/14/2026	Earnings Release	Rev: - EPS: -

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Citizens (CIA) stock has lost about 25% since 11/30/2025 because of the following key factors:

1. Citizens (CIA) reported a significant miss in its Q3 2025 earnings, which were released on November 6, 2025, just before the start of the specified period. The company posted an Earnings Per Share (EPS) of $0.04, falling short of analysts' consensus estimates of $0.06 by 33.33%. This underperformance likely contributed to negative investor sentiment at the outset of the period.

2. The company experienced a notable decline in key profitability metrics, indicating underlying financial challenges. Citizens' EPS plunged by 52% year-over-year and by 9% from the previous quarter. Concurrently, its return on equity (ROE) dropped by 57% year-over-year, and gross profit contracted by 8% year-over-year. These deteriorating financial indicators suggest pressures on the company's operational efficiency and earnings power.

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Stock Movement Drivers

Fundamental Drivers

The -23.2% change in CIA stock from 11/30/2025 to 3/13/2026 was primarily driven by a -23.2% change in the company's P/E Multiple.

(LTM values as of)	11302025	3132026	Change
Stock Price ($)	5.96	4.58	-23.2%
Change Contribution By:
Total Revenues ($ Mil)	247	247	0.0%
Net Income Margin (%)	4.4%	4.4%	0.0%
P/E Multiple	27.6	21.2	-23.2%
Shares Outstanding (Mil)	50	50	0.0%
Cumulative Contribution			-23.2%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 3/13/2026

	Return	Correlation
CIA	-23.2%
Market (SPY)	-3.1%	29.3%
Sector (XLF)	-8.3%	27.6%

Fundamental Drivers

The -13.4% change in CIA stock from 8/31/2025 to 3/13/2026 was primarily driven by a -10.2% change in the company's P/E Multiple.

(LTM values as of)	8312025	3132026	Change
Stock Price ($)	5.29	4.58	-13.4%
Change Contribution By:
Total Revenues ($ Mil)	246	247	0.4%
Net Income Margin (%)	4.6%	4.4%	-3.7%
P/E Multiple	23.6	21.2	-10.2%
Shares Outstanding (Mil)	50	50	-0.3%
Cumulative Contribution			-13.4%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 3/13/2026

	Return	Correlation
CIA	-13.4%
Market (SPY)	3.0%	31.0%
Sector (XLF)	-9.1%	27.9%

Fundamental Drivers

The -4.8% change in CIA stock from 2/28/2025 to 3/13/2026 was primarily driven by a -50.4% change in the company's Net Income Margin (%).

(LTM values as of)	2282025	3132026	Change
Stock Price ($)	4.81	4.58	-4.8%
Change Contribution By:
Total Revenues ($ Mil)	248	247	-0.5%
Net Income Margin (%)	8.9%	4.4%	-50.4%
P/E Multiple	10.9	21.2	94.6%
Shares Outstanding (Mil)	50	50	-0.9%
Cumulative Contribution			-4.8%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2025 to 3/13/2026

	Return	Correlation
CIA	-4.8%
Market (SPY)	12.4%	45.6%
Sector (XLF)	-5.3%	44.6%

Fundamental Drivers

The 55.3% change in CIA stock from 2/28/2023 to 3/13/2026 was primarily driven by a 1138.3% change in the company's P/E Multiple.

(LTM values as of)	2282023	3132026	Change
Stock Price ($)	2.95	4.58	55.3%
Change Contribution By:
Total Revenues ($ Mil)	235	247	5.0%
Net Income Margin (%)	36.7%	4.4%	-88.0%
P/E Multiple	1.7	21.2	1138.3%
Shares Outstanding (Mil)	50	50	-0.4%
Cumulative Contribution			55.3%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2023 to 3/13/2026

	Return	Correlation
CIA	55.3%
Market (SPY)	73.4%	25.6%
Sector (XLF)	43.1%	22.0%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
CIA Return	-7%	-60%	26%	49%	20%	6%	-11%
Peers Return	36%	12%	10%	24%	10%	-6%	116%
S&P 500 Return	27%	-19%	24%	23%	16%	-1%	80%
Monthly Win Rates [3]
CIA Win Rate	67%	25%	75%	58%	42%	33%
Peers Win Rate	68%	57%	58%	63%	65%	40%
S&P 500 Win Rate	75%	42%	67%	75%	67%	33%
Max Drawdowns [4]
CIA Max Drawdown	-15%	-62%	-21%	-29%	-18%	-4%
Peers Max Drawdown	-2%	-12%	-18%	-4%	-12%	-7%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-2%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: AFL, MFC, MET, PRU, PFG.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/13/2026 (YTD)

How Low Can It Go

Unique Key	Event	CIA	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-75.8%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	313.0%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-41.5%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	70.9%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	365 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-43.5%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	77.0%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	Not Fully Recovered days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-42.4%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	73.5%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	901 days	1,480 days

Compare to AFL, MFC, MET, PRU, PFG

In The Past

Citizens's stock fell -75.8% during the 2022 Inflation Shock from a high on 3/12/2021. A -75.8% loss requires a 313.0% gain to breakeven.

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About Citizens (CIA)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

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Here are 1-3 brief analogies for Citizens, Inc.:

It's like a specialized MetLife or Prudential, focusing on U.S. dollar life insurance for non-U.S. residents and final expense policies sold through funeral homes in specific U.S. states.
Imagine a traditional life insurance company like New York Life, but with a unique focus on selling U.S. dollar life insurance abroad and specialized final expense plans domestically.

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Ordinary Whole Life Insurance: Provides lifetime insurance coverage primarily for non-U.S. residents.
Endowment Policies: Offers a lump sum payment on a specified date or upon death, primarily for non-U.S. residents.
Final Expense Life Insurance: Designed to cover funeral and other end-of-life costs for middle and lower-income households in specific U.S. states.
Home Service Whole Life Insurance: Provides traditional whole life insurance policies to middle and lower-income households in Louisiana, Mississippi, and Arkansas.
Property Insurance: Protects against risks to physical property, offered to middle and lower-income households in specific U.S. states.
Health Insurance Policies: Offers coverage for medical expenses.

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Citizens (symbol: CIA) sells primarily to individuals rather than other companies. Its major customer categories include:

Non-U.S. Residents: Individuals residing outside the United States who purchase ordinary whole life insurance and endowment policies.
Middle-and Lower-Income Households (U.S.): Individuals and families, primarily located in Louisiana, Mississippi, and Arkansas, who purchase final expense life insurance and property insurance policies.

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Jon Stenberg

President and Chief Executive Officer

Jon Stenberg was appointed President of Citizens, Inc. in March 2024 and subsequently became Chief Executive Officer effective July 1, 2024. He brings over 30 years of experience in the life insurance industry, where he has focused on building high-performing teams and scaling revenue for various enterprises. Prior to joining Citizens, Inc., Mr. Stenberg served as Executive Vice President of the Individual Life Division of Symetra Life Insurance Company from 2017 through 2022, where he successfully pivoted its business model, leading to significant sales growth and improved profitability. He also held roles as General Manager and Executive Vice President of Ameriprise Financial / Riversource Life from 2011 to 2017, Head of Retail Insurance and Senior Vice President of New York Life from 2008 to 2010, and Head of Insurance and Executive Director/President of UBS Insurance Agency from 2006 to 2008. Additionally, he was a partner at Blackbird International, where he provided consulting services to several life insurance companies. Mr. Stenberg is a veteran of the U.S. Army and holds an MBA from the Wharton School of Business.

Jeffery P. Conklin

Chief Financial Officer, Chief Investment Officer, and Treasurer

Jeffery P. Conklin joined Citizens, Inc. in May 2017 and currently holds the positions of Chief Financial Officer, Chief Investment Officer, and Treasurer. Before assuming his current roles, he served as Vice President, Chief Accounting Officer, and Treasurer since September 2017, and as Chief Investment Officer since March 2019. Mr. Conklin also took on the role of Interim Chief Financial Officer from March 2019 to September 2019 and was Vice President, Chief Accounting Officer from May 2017 to September 2017.

Sheryl Kinlaw

Chief Legal Officer & Secretary

Sheryl Kinlaw serves as the Chief Legal Officer and Secretary for Citizens, Inc. She has over 20 years of experience as a senior-level and general counsel for both public and private companies, primarily within the financial products and technology sectors. Her expertise includes leading cross-functional teams in matters related to securities, finance, mergers and acquisitions (M&A), governance, compliance, and general corporate affairs. Previously, Ms. Kinlaw held senior in-house counsel positions at publicly traded companies, FIC Insurance Group and THQ, and served as General Counsel at the private company Fallbrook Technologies.

Bryon Matthew Lewis

Chief Operations Officer

Bryon Matthew Lewis was appointed as an Executive Officer of Citizens, Inc. in March 2024 and was promoted to Chief Operations Officer, effective January 30, 2025. He previously served as Vice President of Operations since November 2021 and worked as an Operations consultant for the company starting in July 2021. Mr. Lewis is an operations and technology senior leader whose prior experience includes roles as IS Director of HP Infrastructure and Planning at Baylor Scott and White Health from 2019 to 2021 and AVP of IT Operations from July 2017 to 2019. He also served as Project Engineering Director at E2Open from December 2013 to 2017.

Paula Guerrero

Chief Information Officer

Paula Guerrero was promoted to Chief Information Officer of Citizens, Inc., effective February 3, 2025, after joining the company in 2021 as Vice President of Information Technology. Under her leadership, the company has enhanced its processes and technology to optimize insurance sales cycles and support global business expansion. Before her tenure at Citizens, Ms. Guerrero held significant IT leadership positions at Baylor, Scott & White Health, as IT Director-Health Plan Integration and Software Development, and at FirstCare Health Plans, as Assistant Vice President of Application Services.

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Here are the key risks to Citizens, Inc. (symbol: CIA): Risk 1: Exposure to International Markets and Associated Regulatory and Geopolitical Risks
Citizens, Inc. has significant exposure to international markets, with approximately 64% of its direct premiums derived from international policies sold to non-U.S. residents, primarily in Latin America and the Pacific Rim. This dependence on non-admitted international sales makes the company vulnerable to diverse and often complex foreign regulations, currency controls, and political instability in the countries where its policyholders reside. The company has noted a lack of uniform regulation and clarity in certain foreign insurance laws and is exploring alternatives to its current business model in some jurisdictions. Risk 2: Sensitivity to Interest Rate Fluctuations and Investment Performance
As a life insurance company, Citizens, Inc.'s financial performance is heavily reliant on its investment returns, particularly from its portfolio of fixed-maturity securities. The company's profitability is significantly impacted by changes in interest rates, which can affect investment yields and the spreads on its long-duration insurance products. A sustained low-interest rate environment can constrain investment income and compress margins, while rapid changes could lead to adverse effects on its portfolio's valuation. The ability to correctly manage investment returns is crucial for its overall profitability. Risk 3: Underwriting Risk and Actuarial Assumptions for Long-Duration Products
Citizens, Inc.'s profitability is highly dependent on its ability to accurately price insurance policies and manage policy persistency. Key vulnerabilities include the assumptions made for pricing and lapse rates, especially for its long-duration products, under accounting standards like LDTI (Long-Duration Targeted Improvements). Any deviation from these pricing and lapse assumptions could materially affect the company's profitability and financial condition.

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The emergence of Insurtech companies and digital-first insurance platforms.

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      For Citizens, Inc. (symbol: CIA), the addressable markets for its main products and services are as follows:
    
    
      
        Life Insurance (Ordinary whole life insurance and endowment policies to non-U.S. residents): The global whole life insurance market was valued at approximately USD 176.54 billion in 2023. Citizens, Inc. specifically targets non-U.S. residents for these products.
      
      
        Final Expense Life Insurance (U.S.): The global final expense insurance market was estimated at USD 16.27 billion in 2025. Citizens, Inc. provides these policies to middle- and lower-income households in Louisiana, Mississippi, and Arkansas, which are part of this broader global market.
      
      
        Property Insurance (Louisiana, Mississippi, and Arkansas): null
      
      
        Health Insurance Policies: The United States health and medical insurance market is estimated to be USD 1.65 trillion in 2026.

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Citizens, Inc. (CIA) is expected to drive future revenue growth over the next two to three years through several key strategies:

Expansion of the producing agent network: Citizens, Inc. has demonstrated a significant focus on growing its sales force. The company reported a 22% increase in producing agents year-over-year in the fourth quarter of 2025, and a 29% increase from year-end 2024. This expansion is a key factor fueling 13 consecutive quarters of year-over-year growth in first-year premiums.
Broadening product offerings and new product launches: Management has emphasized that broadening product offerings is a driver for record full-year and fourth-quarter revenue, as well as total direct insurance in force. This includes innovative products, particularly within the domestic final expense and critical illness segments, and a white-label program for its final expense business.
Deeper penetration in niche international and domestic markets: Citizens, Inc. focuses on specialized life insurance markets. International policies, primarily in Latin America and the Pacific Rim, account for approximately 64% of direct premiums, while the domestic final-expense business continues to expand. The company leverages multilingual capabilities (Spanish, Mandarin, and Portuguese) to reach diverse communities in the United States, such as Hispanic and Asian populations, indicating a strategy of deepening penetration within these underserved niches.
Organic growth in direct premiums and insurance in force: The company's strategic roadmap is designed to deliver sustained growth in premiums. Citizens, Inc. achieved record total direct insurance in force of $5.43 billion in 2025, marking a 3.9% increase from 2024. Direct premiums for the full year 2025 increased by 6% to $188.8 million, representing the second consecutive year of total premium revenue growth. This consistent organic growth in its core insurance products is a fundamental revenue driver.

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Share Repurchases

Citizens, Inc. authorized a new share repurchase program of up to $8 million of its Class A common stock in May 2022.
As of December 31, 2023, $4.4 million remained available under the existing share repurchase authorization.

Share Issuance

Citizens Inc. had 50 million shares outstanding in Q3 2025, reflecting a 0.1% increase from the prior quarter.
The company reported 50,299,741 shares of Class A common stock outstanding as of March 6, 2026.

Inbound Investments

Continental General Insurance Co. significantly increased its stake in Citizens, Inc. by 274.2% in Q3 2025, acquiring an additional 1,182,902 shares to hold a total of 1,614,275 shares, valued at approximately $8.48 million.

Outbound Investments

No significant outbound investments or acquisitions of other companies by Citizens, Inc. were identified within the last 3-5 years. The company's strategy mentions the acquisition of other U.S.-based life insurance companies, but specific instances were not detailed in the available information.

Capital Expenditures

Citizens Inc. invested $60,000 in capital expenditures in Q3 2025.
The company is focused on "technology modernization," indicating an ongoing or planned area for capital expenditures, including transitioning from its legacy administration system to an upgraded technology platform.
Investment in the company's strategic roadmap is designed to drive growth for premiums and adjusted book value per share.

Interactive Breakdown

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Better Bets vs. Citizens (CIA)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Citizens Stock Up 7.4%, Buy Or Wait?	10/17/2025

	Title
0	ARTICLES

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OLMA	Olema Pharmaceuticals	1.3	-31.7%	-41.2%
FWRD	Forward Air	0.5	-28.0%	-36.8%
CDRE	Cadre	1.3	-27.3%	-22.3%
FICO	Fair Isaac	26.8	-23.4%	-33.1%
PAR	PAR Technology	0.6	-23.2%	-59.3%
IOVA	Iovance Biotherapeutics	1.4	-22.8%	45.1%
CNC	Centene	16.9	-21.1%	-16.3%
GRPN	Groupon	0.4	-21.0%	-45.3%
BW	Babcock & Wilcox Enterprises	1.1	-19.8%	65.8%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
FSLY	Fastly	3.6	164.0%	141.5%
LWLG	Lightwave Logic	1.0	114.4%	134.9%
AAOI	Applied Optoelectronics	6.1	100.0%	177.7%
SOC	Sable Offshore	1.7	99.6%	86.6%
CRCL	Circle Internet	26.5	99.4%	45.5%
DAWN	Day One Biopharmaceuticals	2.2	89.8%	128.6%
AXTI	AXT	2.1	82.3%	198.8%
OCGN	Ocugen	0.8	75.9%	83.7%
ACLX	Arcellx	6.5	63.7%	75.4%
AMPX	Amprius Technologies	2.3	61.6%	127.5%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
GRAL	GRAIL	1.6	-57.1%	-49.7%
MNKD	MannKind	0.8	-51.7%	-51.1%
EOSE	Eos Energy Enterprises	1.6	-50.7%	-50.2%
CWH	Camping World	0.4	-49.7%	-33.6%
FWRD	Forward Air	0.5	-46.8%	-36.8%
XMTR	Xometry	1.9	-42.0%	-37.9%
RHLD	Resolute Management	0.9	-41.7%	-46.2%
QDEL	QuidelOrtho	1.2	-40.6%	-40.1%
HRI	Herc	3.6	-39.8%	-26.3%
DCH	Dauch	0.6	-39.7%	-36.9%

Peer Comparisons

Peers to compare with:

Financials

	CIA	AFL	MFC	MET	PRU	PFG	Median
Name	Citizens	Aflac	Manulife.	MetLife	Prudenti.	Principa.
Mkt Price	4.58	108.71	33.41	67.97	92.00	85.83	76.90
Mkt Cap	0.2	56.6	56.2	44.7	32.1	18.8	38.4
Rev LTM	247	17,355	53,014	75,611	60,967	15,626	35,184
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	19	2,555	32,105	17,092	6,271	4,439	5,355
FCF 3Y Avg	26	2,817	26,341	15,137	7,094	4,221	5,658
CFO LTM	20	2,555	32,105	17,092	6,271	4,537	5,404
CFO 3Y Avg	27	2,817	26,341	15,137	7,094	4,311	5,702

Growth & Margins

	CIA	AFL	MFC	MET	PRU	PFG	Median
Name	Citizens	Aflac	Manulife.	MetLife	Prudenti.	Principa.
Rev Chg LTM	-0.5%	-9.3%	14.8%	7.6%	-13.7%	-3.1%	-1.8%
Rev Chg 3Y Avg	1.7%	-3.1%	33.3%	3.9%	3.9%	-2.4%	2.8%
Rev Chg Q	1.7%	-11.0%	34.3%	25.0%	24.1%	-3.7%	12.9%
QoQ Delta Rev Chg LTM	0.4%	-3.4%	4.3%	6.6%	5.2%	-1.1%	2.4%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	8.0%	14.7%	60.6%	22.6%	10.3%	29.0%	18.7%
CFO/Rev 3Y Avg	10.9%	15.3%	55.2%	21.2%	11.4%	28.4%	18.2%
FCF/Rev LTM	7.8%	14.7%	60.6%	22.6%	10.3%	28.4%	18.7%
FCF/Rev 3Y Avg	10.7%	15.3%	55.2%	21.2%	11.4%	27.8%	18.2%

Valuation

	CIA	AFL	MFC	MET	PRU	PFG	Median
Name	Citizens	Aflac	Manulife.	MetLife	Prudenti.	Principa.
Mkt Cap	0.2	56.6	56.2	44.7	32.1	18.8	38.4
P/S	0.9	3.3	1.1	0.6	0.5	1.2	1.0
P/EBIT	-	11.9	6.5	7.8	-	-	7.8
P/E	21.2	15.5	9.7	13.2	9.0	15.9	14.4
P/CFO	11.7	22.1	1.8	2.6	5.1	4.1	4.6
Total Yield	4.7%	8.6%	16.2%	10.9%	17.1%	9.9%	10.4%
Dividend Yield	0.0%	2.1%	5.9%	3.4%	6.0%	3.6%	3.5%
FCF Yield 3Y Avg	15.2%	5.3%	51.0%	28.9%	17.9%	22.8%	20.3%
D/E	0.0	0.1	0.3	0.5	0.7	0.2	0.2
Net D/E	-0.2	-1.1	-0.4	-2.2	-1.6	-1.5	-1.3

Returns

	CIA	AFL	MFC	MET	PRU	PFG	Median
Name	Citizens	Aflac	Manulife.	MetLife	Prudenti.	Principa.
1M Rtn	-22.5%	-6.5%	-10.6%	-13.8%	-11.4%	-6.7%	-11.0%
3M Rtn	-11.2%	-0.7%	-4.5%	-16.7%	-20.3%	-3.7%	-7.9%
6M Rtn	-16.0%	0.7%	7.2%	-14.7%	-11.6%	5.7%	-5.5%
12M Rtn	2.0%	5.7%	22.8%	-9.9%	-7.7%	10.7%	3.8%
3Y Rtn	47.7%	83.9%	104.5%	26.3%	27.8%	30.4%	39.1%
1M Excs Rtn	-20.1%	-4.1%	-8.2%	-11.5%	-9.0%	-4.3%	-8.6%
3M Excs Rtn	-6.2%	3.6%	-3.0%	-12.6%	-17.1%	-2.4%	-4.6%
6M Excs Rtn	-18.7%	-1.8%	4.6%	-17.0%	-14.6%	3.6%	-8.2%
12M Excs Rtn	-19.0%	-14.9%	-1.8%	-32.6%	-29.7%	-12.3%	-17.0%
3Y Excs Rtn	-19.6%	5.8%	26.0%	-59.2%	-56.9%	-53.7%	-36.7%

FDIC Bank Data

Bank Capital

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Bank Deposits

null

Bank Assets

null

Bank Loans

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FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	11/6/2025	3/13/2025	3/14/2024	3/10/2023	3/11/2022	3/10/2021	3/11/2020
Key Financials
Total Revenue	247	245	241	233	251	239	251
Net Income	11	15	24	26	73	-11	-1
EPS	0.21	0.30	0.49	0.52	1.46	-0.22	-0.03
Growth Rates
Total Revenue Growth	-0.5%	1.8%	3.5%	-7.2%	4.9%	-4.7%	2.7%
Net Income Growth	-50.6%	-39.0%	-6.0%	-64.2%	761.7%	-702.0%	87.6%
Margins
Net Income Margin	4.4%	6.1%	10.2%	11.2%	29.0%	-4.6%	-0.5%
Cash & Debt
Total Cash	53	29	1,266	1,204	1,498	1,524	1,425
Total Debt	0	0	0	0	0	0	0
Net Debt / (Cash)	-53	-29	-1,266	-1,204	-1,498	-1,524	-1,425
Cash Flows
Net Cash from Operations	20	32	22	57	40	49	72
Free Cash from Operations	19	31	22	57	39	49	72
Returns to Shareholders
Dividends	0	-0	-0	-0	-0	-0	-0
Share Repurchases	0	0	1	3	9	-0	-0

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	11/6/2025	8/7/2025	5/8/2025	3/13/2025	11/7/2024	8/6/2024	5/7/2024	3/14/2024	11/6/2023	8/4/2023	5/8/2023	3/10/2023
Key Financials Quarterly
Total Revenue	63	65	56	63	62	62	58	67	59	59	56	67
Net Income	2	6	-2	4	3	4	5	11	3	6	5	14
EPS	0.04	0.13	-0.03	0.07	0.06	0.08	0.09	0.21	0.06	0.12	0.10	0.07
Key Financials TTM
Total Revenue TTM	247	246	243	245	248	246	242	241	241	238	233	233
Net Income TTM	11	11	9	15	22	22	24	24	27	28	24	26
Growth Rates Quarterly
Total Revenue Growth	1.7%	4.8%	-3.6%	-5.0%	3.9%	6.1%	3.2%	-0.6%	5.7%	8.9%	1.0%	-3.8%
Net Income Growth	-13.4%	63.1%	-135.7%	-66.3%	3.4%	-35.4%	-6.8%	-21.4%	-20.8%	145.8%	-24.5%	-81.6%
Margins Quarterly
Net Income Margin	3.8%	9.9%	-2.9%	5.7%	4.5%	6.4%	7.9%	16.1%	4.5%	10.5%	8.7%	20.3%
Cash & Debt
Total Cash	53	42	48	29	46	40	38	1,266	31	36	1,250	1,204
Total Debt	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt / (Cash)	-53	-42	-48	-29	-46	-40	-38	-1,266	-31	-36	-1,250	-1,204
Cash Flows Quarterly
FCF from Operations	5	3	1	11	10	5	7	7	3	5	7	17
Cash Flows TTM
FCF from Operations TTM	20	25	26	32	28	21	21	22	33	47	52	57
Returns to Shareholders Quarterly
Dividends	0	0	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-0	-0	-0	0	-0	-0	-0	0	-0	-0	-0	1
Return on Invested Capital (ROIC) Quarterly
ROIC	11.5%	25.5%	-7.1%	-	13.2%	17.1%	21.0%	-	16.2%	40.4%	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	12.9%	11.1%	9.1%	-	23.7%	28.1%	27.9%	-	41.1%	46.9%	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Life Insurance	180	170	186	178	191
Home Service Insurance	59	61	63	59	61
Other Non-Insurance Enterprises	1	1	2	1	-1
Total	241	233	251	239	251

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Life Insurance	1,267	1,194	1,390	1,382	1,285
Home Service Insurance	360	342	408	386	391
Other Non-Insurance Enterprises	42	55	57	76	69
Total	1,669	1,591	1,855	1,843	1,745

Price Behavior

Price Behavior

Market Price	$4.58
Market Cap ($ Bil)	0.2
First Trading Date	12/05/1988
Distance from 52W High	-26.2%
	50 Days	200 Days
DMA Price	$5.45	$5.01
DMA Trend	up	up
Distance from DMA	-16.0%	-8.5%
	3M	1YR
Volatility	56.9%	61.2%
Downside Capture	159.52	129.89
Upside Capture	112.62	106.38
Correlation (SPY)	28.2%	45.2%

CIA Betas & Captures as of 2/28/2026

	1M	2M	3M	6M	1Y	3Y
Beta	1.08	1.51	1.39	1.34	1.43	1.04
Up Beta	1.50	0.84	1.31	1.42	1.41	1.01
Down Beta	-0.19	1.46	1.91	1.34	1.91	1.46
Up Capture	141%	200%	84%	129%	109%	69%
Bmk +ve Days	9	20	31	70	142	431
Stock +ve Days	11	22	32	64	128	380
Down Capture	122%	151%	145%	133%	107%	94%
Bmk -ve Days	12	21	30	54	109	320
Stock -ve Days	8	17	26	54	112	346

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with CIA
CIA	3.8%	61.2%	0.30	-
Sector ETF (XLF)	3.6%	19.3%	0.06	43.1%
Equity (SPY)	19.6%	18.9%	0.81	45.2%
Gold (GLD)	71.9%	26.3%	2.05	9.9%
Commodities (DBC)	19.3%	17.3%	0.89	29.3%
Real Estate (VNQ)	6.2%	16.3%	0.19	35.4%
Bitcoin (BTCUSD)	-15.0%	44.2%	-0.24	23.4%

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Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with CIA
CIA	-7.1%	58.2%	0.10	-
Sector ETF (XLF)	9.3%	18.7%	0.38	19.3%
Equity (SPY)	13.1%	17.0%	0.61	22.5%
Gold (GLD)	24.1%	17.3%	1.14	7.1%
Commodities (DBC)	11.2%	19.0%	0.47	7.7%
Real Estate (VNQ)	4.8%	18.8%	0.16	14.5%
Bitcoin (BTCUSD)	6.4%	56.7%	0.33	7.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with CIA
CIA	-4.3%	52.8%	0.13	-
Sector ETF (XLF)	12.5%	22.2%	0.52	33.1%
Equity (SPY)	14.5%	17.9%	0.70	31.3%
Gold (GLD)	14.4%	15.6%	0.77	4.2%
Commodities (DBC)	8.6%	17.6%	0.40	12.0%
Real Estate (VNQ)	5.6%	20.7%	0.23	23.8%
Bitcoin (BTCUSD)	67.5%	66.8%	1.07	7.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	2272026
Short Interest: Shares Quantity	3.8 Mil
Short Interest: % Change Since 2152026	-5.0%
Average Daily Volume	0.1 Mil
Days-to-Cover Short Interest	48.1 days
Basic Shares Quantity	50.3 Mil
Short % of Basic Shares	7.5%

Returns Analyses

	Title
0	Citizens Stock Up 7.4%, Buy Or Wait?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
8/7/2025	6.8%	18.4%	25.9%
3/13/2025	4.0%	17.1%	-10.9%
11/7/2024	-5.4%	-10.0%	-16.7%
8/6/2024	1.6%	10.5%	24.3%
3/14/2024	-5.6%	-14.7%	-13.9%
11/6/2023	-4.9%	2.9%	4.9%
8/4/2023	6.4%	18.0%	13.5%
3/13/2023	-3.1%	-6.6%	-15.9%
...
SUMMARY STATS
# Positive	7	11	9
# Negative	10	6	8
Median Positive	4.0%	10.5%	13.5%
Median Negative	-1.8%	-4.9%	-13.0%
Max Positive	9.4%	53.6%	39.2%
Max Negative	-5.6%	-14.7%	-16.7%

	Forward Returns
8/7/2025	6.8%	18.4%	25.9%
3/13/2025	4.0%	17.1%	-10.9%
11/7/2024	-5.4%	-10.0%	-16.7%
8/6/2024	1.6%	10.5%	24.3%
3/14/2024	-5.6%	-14.7%	-13.9%
11/6/2023	-4.9%	2.9%	4.9%
8/4/2023	6.4%	18.0%	13.5%
3/13/2023	-3.1%	-6.6%	-15.9%
11/4/2022	-0.5%	53.6%	28.4%
8/4/2022	-0.5%	-1.6%	-3.4%
3/14/2022	-0.2%	0.2%	-0.2%
11/4/2021	3.5%	-2.0%	-12.0%
8/5/2021	0.5%	6.1%	7.7%
5/5/2021	-0.3%	-3.1%	-15.2%
11/4/2020	-0.9%	7.7%	10.1%
8/5/2020	-2.7%	0.9%	3.6%
3/12/2020	9.4%	39.9%	39.2%
SUMMARY STATS
# Positive	7	11	9
# Negative	10	6	8
Median Positive	4.0%	10.5%	13.5%
Median Negative	-1.8%	-4.9%	-13.0%
Max Positive	9.4%	53.6%	39.2%
Max Negative	-5.6%	-14.7%	-16.7%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
09/30/2025	11/06/2025	10-Q
06/30/2025	08/07/2025	10-Q
03/31/2025	05/08/2025	10-Q
12/31/2024	03/13/2025	10-K
09/30/2024	11/07/2024	10-Q
06/30/2024	08/06/2024	10-Q
03/31/2024	05/07/2024	10-Q
12/31/2023	03/14/2024	10-K
09/30/2023	11/06/2023	10-Q
06/30/2023	08/04/2023	10-Q
03/31/2023	05/08/2023	10-Q
12/31/2022	03/10/2023	10-K
09/30/2022	11/04/2022	10-Q
06/30/2022	08/04/2022	10-Q
03/31/2022	05/05/2022	10-Q
12/31/2021	03/11/2022	10-K

Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Stenberg, Jon	President & CEO	Direct	Buy	6182025	3.33	19,914	66,407	663,372	Form
2	Stenberg, Jon	President & CEO	Direct	Buy	6022025	3.69	30,000	110,838	661,393	Form
3	Stenberg, Jon	President & CEO	Spouse	Buy	6022025	3.80	4,850	18,430	491,009	Form
4	Kinlaw, Sheryl L	Chief Legal Officer	Direct	Buy	5292025	3.59	2,500	8,968	248,554	Form
5	Stenberg, Jon	President & CEO	Direct	Buy	4102025	4.20	10,000	42,000	625,867	Form

CIA Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

null

Diversification Alternatives

How Is The Market Pricing CIA?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What CIA Makes & Who Pays

TTM figures based on

CIA Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

Life & Health Insurance Resources

Insurance Business America

A.M. Best

National Underwriter

Insurance News

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Citizens (CIA)

Market Price (3/14/2026): $4.61 | Market Cap: $231.7 MilSector: Financials | Industry: Life & Health Insurance

Citizens (CIA)

Market Price (3/14/2026): $4.61Market Cap: $231.7 MilSector: FinancialsIndustry: Life & Health Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Citizens (CIA)

Jon Stenberg

Jeffery P. Conklin

Sheryl Kinlaw

Bryon Matthew Lewis

Paula Guerrero

Share Repurchases

Share Issuance

Inbound Investments

Outbound Investments

Capital Expenditures

Interactive Breakdown

Better Bets vs. Citizens (CIA)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

Top Gainers

Top Losers

Top Gainers

Top Losers

Top Gainers

Top Losers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons

Financials

Growth & Margins

Valuation

Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Insider Activity

CIA Trade Sentinel

null

CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

Market Price (3/14/2026): $4.61 | Market Cap: $231.7 Mil
Sector: Financials | Industry: Life & Health Insurance

Market Price (3/14/2026): $4.61
Market Cap: $231.7 Mil
Sector: Financials
Industry: Life & Health Insurance