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CITIZENS, INC. CIA
CITIZENS, INC. (CIA) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $255.6M at a 5.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CIA | CITIZENS, INC. | 4/9 | — | 22.1 | +4.3% |
| AAME | ATLANTIC AMERICAN CORP | 3/9 | — | — | +0.8% |
| UTGN | UTG INC | 2/9 | — | 10.1 | -50.1% |
| PRI | Primerica, Inc. | 3/9 | — | — | +6.6% |
| FG | F&G Annuities & Life, Inc. | 4/9 | — | 13.5 | -0.2% |
| GL | GLOBE LIFE INC. | 6/9 | — | 12 | +3.7% |
| JXN | Jackson Financial Inc. | 6/9 | — | 275.7 | +104.3% |
All Finance, Insurance & Real Estate companies →
About CITIZENS, INC.
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
FAQ
Is CIA financially healthy?
CITIZENS, INC.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does CIA pay a dividend?
No, CITIZENS, INC. does not currently pay a dividend.
How profitable is CIA?
In FY2025, CITIZENS, INC. had a net margin of 5.7% and a return on equity of 6.2%.
What is CIA's P/E ratio?
CITIZENS, INC.'s trailing price-to-earnings (P/E) ratio is about 22.1×, based on its latest annual earnings.
What is the analyst price target for CIA?
The average Wall-Street price target for CITIZENS, INC. is $6.00, about 53.1% above the recent price, from 1 analysts.
Is CIA a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CITIZENS, INC.: a Piotroski F-score of 4/9, a P/E of about 22.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.