# Citizens share price today (Citizens, Inc., CIA)

> Citizens, Inc.'s P/BV is near the low end of its own history, higher than only 24% of past readings, and its quarterly results are still getting worse. CIA · Financials · Insurance - Life · data as of 6 November 2026. Page: https://www.sectoralpha.in/us/stocks/cia

Sector Alpha also publishes a daily newsletter that explains one Indian stock at a time: https://newsletter.sectoralpha.in/?utm_source=sectoralpha&utm_medium=ai_text&utm_campaign=llms

## Key numbers

- Business trend: Turning around, from the last 12 quarters
- Price: $4.13 (−32.1% in a year)
- P/BV: 0.9× (lower than 76% of the last 1 year)
- Revenue (Sep 2026): $65.0 M (+3.6% on a year ago)
- Profit (Sep 2026): −$422 K (−117.5% on a year ago)
- Net margin: −0.6% (−4.4 points on a year ago)
- ROE: 4%, FY25
- ROA: 0.36%, latest

The main question: yearly earnings per share moved −3.4% while the share price moved −32.1%. ## What is the Citizens share price today? Citizens, Inc.'s share price was $4.13 at the close on 6 November 2026. That is 14.5% below its average price over the last 200 trading days. In the last 52 weeks it traded between $3 and $6, and at that close it sat 23% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 1 year the share price moved +21% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Citizens pay? Citizens, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Citizens on? Citizens is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Citizens profitable? Citizens, Inc. posted a net loss of $422 K in the Sep 2026 quarter. Full-year FY25 profit was $14.6 M. Over 4 years profit has grown −33.1% a year on average. That loss is 0.6% of the quarter's revenue. The same quarter a year earlier earned $2.4 M. 3 of the last 12 reported quarters were loss-making. Sep 2026 profit was −$422 K, −117.5% on a year earlier. For the full year, FY25 profit was $14.6 M (−2.2% on the year before). Why profit moved: revenue changed +3.6% on a year earlier and the margin moved −4.4 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed −40.5% and revenue +4.3%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does Citizens make, and is it growing? Citizens, Inc. reported $65.0 M of income in the Sep 2026 quarter, +3.6% on the same quarter a year earlier. Over 4 years it has grown 0.5% a year on average. The last full year, FY25, came in at $256 M. The last four reported quarters add to $257 M. FY25 revenue was $256 M, +4.3% on the year before. Recent pace: the last four quarters grew +4.3% on average, against 0.5% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +4.1%, against +1.8% a year over the last 8 quarters (stabilising); profit over the last 12 months grew −19.5%, against −36.9% a year (accelerating). ## How much does Citizens keep from what it earns? Citizens, Inc.'s net margin was −0.6% in the Sep 2026 quarter, 4.4 percentage points lower than the same quarter a year ago. Across 5 years it has been between 5.7% and 29.0%. The latest quarter is below every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Citizens' loans have gone bad? Citizens, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Citizens' loan book growing? Citizens, Inc.'s revenue was $256 M in FY25, +4.3% on the year before, so the loan book is growing. The latest quarter was +3.6% on a year earlier. The net margin on that income is −0.6%, −4.4 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Citizens' P/BV ratio, and how does it compare with its own history? Citizens, Inc.'s P/BV is 0.9×, near the low end of its own history: it has been lower only 24% of the time. Its usual P/BV (the middle reading) is 1.1×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 4% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved −32.1%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the Citizens business getting better or worse? Citizens, Inc.'s business is turning around. Profit growth has swung from −50.6% at its low to −19.5%, rising from a low 5 quarters ago, with ROE falling at 4.0%. This is based on 12 quarters of 4 measures. Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it. ## How much does Citizens earn on its equity and assets? Citizens, Inc. earned a return on equity of 6% in FY25. That is its lowest yearly reading on file. On its assets, every $100 earned about $0.36, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Citizens have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Citizens shareholding pattern? 9.9% of Citizens, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 38.4 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Citizens from balance-sheet trouble? For Citizens, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Citizens rank in its industry? 31.4 out of 100, rank 14 of 17 in Insurance - Life, with 80% of the evidence available. Citizens, Inc. scores 31.4 out of 100 against the 17 companies it is compared with in Insurance - Life, ranking 14. The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. The four parts add up to the total exactly: 10.4 + 6.8 + 7.6 + 6.6 = 31.4. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Citizens compared with? Citizens ranks 14 of 17 Insurance - Life companies on the 4-Factor Sector Score, with 31.4 out of 100. 1. [MetLife, Inc.](https://www.sectoralpha.in/us/stocks/met) MET · leader · Most evidence points up · 80% evidence 69.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 26.0/35 · Income 14.8% · Profit 33.8% · 81% evidence Capital efficiency 14.6/25 · ROA 0.6% · ROE 19.9% · GNPA n/a · 68% evidence Valuation 10.3/20 · P/BV 2.63× · P/BV÷ROE 0.13 · 70% evidence Relative strength 18.9/20 · Lead over its industry 14.5% · Lead over S&P 500 13.8% · 1 year 29% · 100% evidence · 7 of 12 weeks ahead Exact sum: 26 + 14.6 + 10.3 + 18.9 = 69.8 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 2. [Jackson Financial Inc.](https://www.sectoralpha.in/us/stocks/jxn) JXN · leader · Most evidence points up · 80% evidence 66.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 28.9/35 · Income 33.4% · Profit 58.1% · 81% evidence Capital efficiency 6.3/25 · ROA 0.1% · ROE 9.5% · GNPA n/a · 68% evidence Valuation 13.8/20 · P/BV 0.97× · P/BV÷ROE 0.1 · 70% evidence Relative strength 17.5/20 · Lead over its industry 12.4% · Lead over S&P 500 11.7% · 1 year 41.8% · 100% evidence · 11 of 12 weeks ahead Exact sum: 28.9 + 6.3 + 13.8 + 17.5 = 66.5 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 3. [Lincoln National Corporation](https://www.sectoralpha.in/us/stocks/lnc) LNC · quiet · Most evidence points up · 80% evidence 65.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 27.8/35 · Income 10.1% · Profit 57.9% · 81% evidence Capital efficiency 14.0/25 · ROA 0.6% · ROE 33.3% · GNPA n/a · 68% evidence Valuation 16.4/20 · P/BV 0.82× · P/BV÷ROE 0.03 · 70% evidence Relative strength 7.1/20 · Lead over its industry -0.8% · Lead over S&P 500 -1.6% · 1 year -2.7% · 100% evidence · 7 of 12 weeks ahead Exact sum: 27.8 + 14 + 16.4 + 7.1 = 65.3 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 4. [Primerica, Inc.](https://www.sectoralpha.in/us/stocks/pri) PRI · quiet · Evidence leans up · 76% evidence 64.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 20.8/35 · Income 8.2% · Profit 17.4% · 71% evidence Capital efficiency 20.4/25 · ROA 4.7% · ROE 33% · GNPA n/a · 68% evidence Valuation 11.7/20 · P/BV 3.51× · P/BV÷ROE 0.11 · 70% evidence Relative strength 12.0/20 · Lead over its industry 4.2% · Lead over S&P 500 3.3% · 1 year 15% · 100% evidence · 2 of 12 weeks ahead Exact sum: 20.8 + 20.4 + 11.7 + 12 = 64.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 5. [CNO Financial Group, Inc.](https://www.sectoralpha.in/us/stocks/cno) CNO · turning · Evidence leans up · 80% evidence 64.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 19.5/35 · Income 2.3% · Profit 30.6% · 81% evidence Capital efficiency 15.9/25 · ROA 1.2% · ROE 16.9% · GNPA n/a · 68% evidence Valuation 10.9/20 · P/BV 2.11× · P/BV÷ROE 0.13 · 70% evidence Relative strength 18.1/20 · Lead over its industry 15.3% · Lead over S&P 500 14.5% · 1 year 34.4% · 100% evidence · 6 of 12 weeks ahead Exact sum: 19.5 + 15.9 + 10.9 + 18.1 = 64.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Security National Financial Corporation](https://www.sectoralpha.in/us/stocks/snfca) SNFCA · turning · Evidence leans up · 76% evidence 63.0 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 17.6/35 · Income -1.2% · Profit 27.6% · 71% evidence Capital efficiency 13.7/25 · ROA 1.9% · ROE 8.5% · GNPA n/a · 68% evidence Valuation 16.3/20 · P/BV 0.56× · P/BV÷ROE 0.07 · 70% evidence Relative strength 15.4/20 · Lead over its industry 4.8% · Lead over S&P 500 4% · 1 year 24.9% · 100% evidence · 0 of 12 weeks ahead Exact sum: 17.6 + 13.7 + 16.3 + 15.4 = 63 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 7. [Prudential Financial, Inc.](https://www.sectoralpha.in/us/stocks/pru) PRU · turning · Evidence leans up · 80% evidence 62.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.9/35 · Income 7.7% · Profit 48.1% · 81% evidence Capital efficiency 8.9/25 · ROA 0.4% · ROE 11.9% · GNPA n/a · 68% evidence Valuation 13.7/20 · P/BV 1.21× · P/BV÷ROE 0.1 · 70% evidence Relative strength 17.0/20 · Lead over its industry 7.3% · Lead over S&P 500 6.5% · 1 year 12.2% · 100% evidence · 5 of 12 weeks ahead Exact sum: 22.9 + 8.9 + 13.7 + 17 = 62.5 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 8. [Abacus Global Management, Inc.](https://www.sectoralpha.in/us/stocks/abx) ABX · quiet · Evidence leans up · 80% evidence 57.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 31.3/35 · Income 43.4% · Profit 100% · 81% evidence Capital efficiency 14.3/25 · ROA 6.7% · ROE 8% · GNPA n/a · 68% evidence Valuation 6.5/20 · P/BV 1.73× · P/BV÷ROE 0.22 · 70% evidence Relative strength 5.6/20 · Lead over its industry -1.7% · Lead over S&P 500 -2.6% · 1 year 36.1% · 100% evidence · 2 of 12 weeks ahead Exact sum: 31.3 + 14.3 + 6.5 + 5.6 = 57.7 · What this means: Earnings are strong; relative strength in its sector is -1.7% and the one-year return is 36.1%. 9. [Globe Life Inc.](https://www.sectoralpha.in/us/stocks/gl) GL · quiet · Evidence leans up · 80% evidence 55.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 15.4/35 · Income 5.7% · Profit 3% · 81% evidence Capital efficiency 19.7/25 · ROA 3.4% · ROE 20.9% · GNPA n/a · 68% evidence Valuation 13.5/20 · P/BV 2.07× · P/BV÷ROE 0.1 · 70% evidence Relative strength 7.3/20 · Lead over its industry -0.1% · Lead over S&P 500 -0.8% · 1 year 18.9% · 100% evidence · 3 of 12 weeks ahead Exact sum: 15.4 + 19.7 + 13.5 + 7.3 = 55.9 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 10. [Prudential plc](https://www.sectoralpha.in/us/stocks/puk) PUK · basing · Too little evidence to rank firmly · 56% evidence 53.0 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 19.3/35 · Income n/a · Profit n/a · 15% evidence Capital efficiency 17.4/25 · ROA 2.9% · ROE 15.4% · GNPA n/a · 68% evidence Valuation 12.9/20 · P/BV 1.61× · P/BV÷ROE 0.1 · 70% evidence Relative strength 3.4/20 · Lead over its industry -15.1% · Lead over S&P 500 -15.8% · 1 year -13.3% · 100% evidence · 0 of 12 weeks ahead Exact sum: 19.3 + 17.4 + 12.9 + 3.4 = 53 · What this means: Some evidence is missing, so the score is pulled toward the middle on purpose. 11. [Manulife Financial Corporation](https://www.sectoralpha.in/us/stocks/mfc) MFC · turning · Evidence leans up · 80% evidence 52.1 out of 100 Growth Capital Valuation Relative
12. [F&G Annuities & Life, Inc.](https://www.sectoralpha.in/us/stocks/fg) FG · basing · Evidence leans down · 76% evidence 49.7 out of 100 Growth Capital Valuation Relative
13. [Aflac Incorporated](https://www.sectoralpha.in/us/stocks/afl) AFL · turning · Evidence leans down · 80% evidence 48.6 out of 100 Growth Capital Valuation Relative
14. Citizens, Inc. this page CIA · turning · Most evidence points down · 80% evidence 31.4 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 10.4/35 · Income 4% · Profit -10% · 81% evidence Capital efficiency 6.8/25 · ROA 0.4% · ROE 3.9% · GNPA n/a · 68% evidence Valuation 7.6/20 · P/BV 0.79× · P/BV÷ROE 0.2 · 70% evidence Relative strength 6.6/20 · Lead over its industry -17.7% · Lead over S&P 500 -18.6% · 1 year -32.1% · 100% evidence · 1 of 12 weeks ahead Exact sum: 10.4 + 6.8 + 7.6 + 6.6 = 31.4 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 15. [Brighthouse Financial, Inc.](https://www.sectoralpha.in/us/stocks/bhf) BHF · basing · Most evidence points down · 80% evidence 29.3 out of 100 Growth Capital Valuation Relative
16. [Genworth Financial, Inc.](https://www.sectoralpha.in/us/stocks/gnw) GNW · quiet · Most evidence points down · 80% evidence 23.8 out of 100 Growth Capital Valuation Relative
17. [Unum Group](https://www.sectoralpha.in/us/stocks/unm) UNM · quiet · Most evidence points down · 80% evidence 18.0 out of 100 Growth Capital Valuation Relative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Insurance - Life](https://www.sectoralpha.in/us/sectors/insurance-life), all 17 compared on one page. ## Which companies are close to Citizens in size? Citizens is the 17th largest of 17 Insurance - Life companies on Sector Alpha by market value (scores of 6 November 2026). Just above it: CNO Financial Group, Inc., Genworth Financial, Inc., F&G Annuities & Life, Inc., Brighthouse Financial, Inc., Abacus Global Management, Inc. and Security National Financial Corporation. It is the smallest. ### Insurance - Life companies close in size

1. [CNO Financial Group, Inc.](https://www.sectoralpha.in/us/stocks/cno) $5.1 billion
2. [Genworth Financial, Inc.](https://www.sectoralpha.in/us/stocks/gnw) $3.3 billion
3. [F&G Annuities & Life, Inc.](https://www.sectoralpha.in/us/stocks/fg) $3.1 billion
4. [Brighthouse Financial, Inc.](https://www.sectoralpha.in/us/stocks/bhf) $2.4 billion
5. [Abacus Global Management, Inc.](https://www.sectoralpha.in/us/stocks/abx) $858 million
6. [Security National Financial Corporation](https://www.sectoralpha.in/us/stocks/snfca) $247 million
7. Citizens, Inc. $209 million

[All 17 Insurance - Life companies, largest first](https://www.sectoralpha.in/us/sectors/insurance-life#all-companies)

### Companies close in size in other industries

1. [Biodesix, Inc.](https://www.sectoralpha.in/us/stocks/bdsx) $209 million · Diagnostics & Research
2. [CURRENC Group Inc.](https://www.sectoralpha.in/us/stocks/curr) $209 million · Software - Application
3. Citizens, Inc. $209 million
4. [SuperX AI Technology Limited](https://www.sectoralpha.in/us/stocks/supx) $209 million · Software - Infrastructure
5. [ZKH Group Limited](https://www.sectoralpha.in/us/stocks/zkh) $208 million · Internet Retail

## What else do people ask about Citizens? ### What were Citizens's latest quarterly results? Citizens, Inc. reported total income of $65.0 M and a net loss of $422 K for the Sep 2026 quarter. Income rose 3.6% and profit fell 117.5% compared with a year earlier. Earnings per share were −$0.01. The net margin was −0.6%, 4.4 percentage points lower than a year earlier (as of 6 November 2026). ### What is Citizens's market cap? Citizens, Inc.'s market capitalisation is $209 M at a stock price of $4.13. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 6 November 2026). ### How is Citizens performing? Citizens, Inc.'s latest readings are below. In its latest quarter, income rose 3.6% and profit fell 117.5% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running. This describes what the data did, not a rating (as of 6 November 2026). ### Will Citizens's stock price go up? This page does not forecast Citizens, Inc.'s stock price. What it shows instead: the stock price is $4.13. Its P/BV of 0.9× is higher than 24% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 6 November 2026). ### Where is Citizens in its business cycle? Citizens, Inc.'s FY25 net margin was 5.7%, against a 5-year range of 5.7% to 29.0%: the low end of its own range, which is often where recoveries start. The latest quarter was −0.6%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 6 November 2026). ### What could break the Citizens story? The main question: yearly earnings per share moved −3.4% while the share price moved −32.1%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 6 November 2026). ### Is Citizens a stock worth studying right now? What the numbers show: Citizens, Inc.'s P/BV is near the low end of its own history, higher than only 24% of past readings, and its quarterly results are still getting worse. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 6 November 2026). This is research, not advice. We’re not SEBI-registered.