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CIA · Citizens, Inc.

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ChatGPT Claude Gemini
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https://mcp.equibles.com/mcp
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$3.80 -0.07 (-1.81%) At close · Aug 20
Market Cap
$192.44M
Shares
50.64M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$3.80 Open$3.88 Day$3.80–3.94 52W close$3.72–6.38 Avg vol 30d138K Short int4.1M · 8.1% float · 38.2d Short vol87% Last earningsNov 7, 2025 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 6, 2026

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Strong Sell Momentum Very Weak Sentiment Bullish Fundamentals Excellent Quant / Vol Very High
Market backdrop VIX 14.9 · calm Equity put/call 0.52
Technical
price trend
Strong Sell
50 / 200-day cross No cross
Price vs 200-day avg −28%
below
Price vs 50-day avg −26%
below
RSI (14) 28
oversold
MACD trend Negative
52-week position 3%
near low
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Weak
1-month return −23%
trailing
6-month return −30%
trailing
YTD return −21%
this year
Relative strength −41%
vs S&P · 6-mo
Sentiment
smart money
Bullish
Trend (MA cross) No cross
50d $5 › 200d $5 — 200d above 50d
Institutional flow Accumulating
+5% holders QoQ · +10 funds added
Insider flow Accumulating
Net +$264.0K over 90 days · 0% sells
Short interest Rising
8.15% of float · ▲ +8.0% MoM · 38.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
77 holders — near 3-yr high, broad support
Squeeze score 70
elevated · 0–100
Fundamentals
Excellent
Revenue growth +4%
Y/Y
Free cash flow $17.5M
Balance sheet $23.0M
net cash
Quant / Vol
risk profile
Very High
Volatility 52%
annualized · 1-yr
Max drawdown −42%
past year
ATR 7.2%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Strong Sell
4 · 3 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−28% Bearish
Price vs 50-day avg
−26% Bearish
RSI (14)
28 Neutral
MACD trend
Negative Bearish
52-week position
3% Bearish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross) No cross
50d $5 › 200d $5 — 200d above 50d
Institutional flow Accumulating
+5% holders QoQ · +10 funds added
Insider flow Accumulating
Net +$264.0K over 90 days · 0% sells
Short interest Rising
8.15% of float · ▲ +8.0% MoM · 38.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
77 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $4 Now $4 · 3% Range high $6
vs 200-day avg -28% vs 50-day avg -26%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Adjusted book value per Class A share non-GAAP $6.44 Q2 2026 —
Net cash provided by operating activities $1.7M Q2 2026 —
Book value per Class A share excluding accumulated other comprehensive income (loss) (AOCI) non-GAAP $6.48 Q1 2026 —
Net investment income $17.3M Q1 2026 —
producing agents 22% fourth quarter —
total direct insurance in force 5.43B full year ended December 31, 2025 —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Insurance - Life — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
CIA
Citizens, Inc.
this stock
$192.44M -21.3% +4.3% — 8.1%
CILJF
China Life Insurance Co Ltd
 $96.67B -1.0% — — 0.0%
MFC
Manulife Financial Corp
 $72.16B +17.1% — — 0.8%
MET
Metlife Inc
 $60.44B +18.4% +8.6% 18.2 1.8%
GWLIF
Great-West Lifeco Inc.
 $58.30B +29.3% — — 0.4%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
77
% held
30.6%
Net QoQ
+1.3M sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
94
View
Short & Settlement
Short Interest Rising
Shares short
4.1M
Days to cover
38.2d
Change
+305.2K sh
View
Short Volume
Short vol %
87%
As of
Aug 20, 2026
Short Total
View
Fails to Deliver
FTD shares
126
Value
$612
As of
Jul 31, 2026
View
Off-Exchange
Off-exchange %
27.3%
Week of
Jul 13, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net buying
Net (90d)
+$264.0K
Buyers / Sellers
2 / 0
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$255.6M
Net income (FY)
$14.6M
View
Filings
SEC Filings
Latest
8-K
Filed
Aug 6, 2026
This year
9
View
Earnings & Events
Earnings Calls
Last call
Nov 7, 2025
View

Performance

5D 20D 120D MTD YTD
CIA -2.6% -22.8% -29.9% -19.7% -21.3%
SPY -2.0% +3.3% +11.2% +2.1% +11.8%
vs SPY -0.6% -26.1% -41.1% -21.7% -33.2%
Key facts CIK 24090 CUSIP 174740100 13F (30d) 73 filings 72 filers Visit website Investor relations

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