CIA · Citizens, Inc.
$3.58
+0.04 (+1.13%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$185.35M
Shares
50.64M
Volume · Oct 5
24.4K
Avg daily vol (3M)
127.95K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$3.54
Open$3.53
Day$3.49–3.60
52W close$3.45–6.38
Avg vol 30d120K
Short int4.6M · 9.0% float · 37.2d
Short vol65%
Last earningsNov 7, 2025
DataJan 2020–Oct 2026
Filing10-Q · Aug 6
Up next
filed Aug 6, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$255.01M
Trailing 12 months
Net income (TTM)
$11.60M
Trailing 12 months
Revenue growth YoY
-7.2%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
16.0
Trailing earnings · reciprocal yield 6.3%
FCF yield
8.1%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-0.4%
Year over year · fewer shares
Price change (1Y)
-31.0%
Trailing year
Short interest
9.0%
Latest settlement · 37.2 days to cover
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−30%
below
Price vs 50-day avg
−10%
below
RSI (14)
42
neutral
MACD trend
Positive
52-week position
3%
near low
Momentum
relative strength
1-month return
−11%
trailing
6-month return
−37%
trailing
YTD return
−27%
this year
Relative strength
−49%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $4 › 200d $5 — 200d above 50d
Institutional flow
Accumulating
+5% holders QoQ · +9 funds added
Insider flow
Accumulating
Net +$302.0K over 90 days · 0% sells
Short interest
Rising
9.00% of float · ▲ +4.8% MoM · 37.2 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
Revenue growth
+4%
Y/Y
Free cash flow
$17.5M
Quant / Vol
risk profile
Volatility
52%
annualized · 1-yr
Max drawdown
−46%
past year
ATR
5.2%
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 Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−30%
Bearish
Price vs 50-day avg
−10%
Bearish
RSI (14)
42
Neutral
MACD trend
Positive
Bullish
52-week position
3%
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $4 › 200d $5 — 200d above 50d
Institutional flow
Accumulating
+5% holders QoQ · +9 funds added
Insider flow
Accumulating
Net +$302.0K over 90 days · 0% sells
Short interest
Rising
9.00% of float · ▲ +4.8% MoM · 37.2 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 $3
Now $4 · 3%
Range high $6
vs 200-day avg -30%
vs 50-day avg -10%
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 | As of June 30, 2026 | — |
| Adjusted income before federal income tax non-GAAP | $965K | Q2 2026 | — |
| Adjusted net income non-GAAP | $2.1M | Six Months Ended June 30, 2026 | — |
| Average annualized yield on the investment portfolio | 4.41% | Q2 2026 | — |
| Basic adjusted income per share of Class A common stock non-GAAP | $0.02 | Q2 2026 | — |
| Diluted adjusted income per share of Class A common stock non-GAAP | $0.04 | Six Months Ended June 30, 2026 | — |
| Total direct insurance in force | $5.54B | As of June 30, 2026 | — |
| Total investment portfolio carrying value | $1.4B | As of June 30, 2026 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CIA
this stock
Citizens, Inc.
|
$185.35M | -26.7% | +4.3% | — | 9.0% |
|
CILJF
China Life Insurance Co Ltd
|
$107.41B | +4.3% | — | — | 0.0% |
|
MFC
Manulife Financial Corp
|
$72.67B | +18.3% | — | — | 0.5% |
|
MET
Metlife Inc
|
$62.09B | +19.6% | +8.6% | 18.7 | 1.9% |
|
GWLIF
Great-West Lifeco Inc.
|
$59.05B | +27.7% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CIA | -1.4% | -10.8% | -36.7% | +2.6% | -26.7% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -1.2% | -10.4% | -48.9% | +1.7% | -39.6% |