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CIA

Citizens, Inc.

Financial Services · $182M market cap

Verdict

We can't put a fair value on CIA right now. Its tangible book value is very small compared with its earnings, so it can't anchor a bank-style valuation. This is common when bond losses have temporarily shrunk a financial company's equity.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth3.5% a year✗
Equity per share growth0.8% a year✗
Sales growth2.5% a year✗
Free cash flow growth-1.1% a year✗
Return on invested capital4.3%✗

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Superinvestors

1 of the investors we track holds CIA. Who we track

First Eagle Investment Management

First Eagle Investment Management · as of Q2 2026

$3.4M

584,050 shares

About Citizens, Inc.

Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily…

Insurance - Life

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works