Citizens, Inc. (CIA)

NYSE: CIA · Real-Time Price · USD

3.710

-0.320 (-7.94%)

Nov 12, 2026, 2:17 PM EST - Market open

Citizens Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	188	243	200	133	107	264
Market Cap Growth	-38.78%	21.39%	50.14%	25.15%	-59.71%	-8.67%
Enterprise Value	172	221	168	117	86	234

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	21.83	16.65	13.42	5.46	4.10	3.64
PS Ratio	0.79	0.95	0.82	0.55	0.46	1.06
PB Ratio	0.92	1.03	0.95	0.77	0.83	0.83
P/FCF Ratio	9.69	13.85	6.40	6.17	1.88	6.70
P/OCF Ratio	9.26	13.51	6.27	6.04	1.87	6.54

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
EV/Sales Ratio	0.73	0.87	0.69	0.48	0.37	0.94
EV/EBITDA Ratio	17.76	12.16	10.75	4.37	3.06	5.29
EV/EBIT Ratio	19.12	12.67	11.20	4.45	3.12	5.43
EV/FCF Ratio	8.93	12.62	5.37	5.39	1.51	5.94

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Debt / Equity Ratio	-	0.03	-	-	-	-
Debt / EBITDA Ratio	-	0.40	-	-	-	-
Debt / FCF Ratio	-	0.42	-	-	-	-
Net Debt / Equity Ratio	-0.07	-0.06	-0.13	-0.16	-0.18	-0.08
Net Debt / EBITDA Ratio	-1.51	-0.77	-1.78	-1.01	-0.82	-0.62
Net Debt / FCF Ratio	-0.76	-0.80	-0.89	-1.25	-0.40	-0.69
Quick Ratio	0.28	0.35	0.43	0.46	0.41	0.41
Current Ratio	0.63	0.68	0.71	0.70	0.65	0.64
Asset Turnover	0.15	0.15	0.15	0.15	0.14	0.14
Return on Equity (ROE)	3.92%	6.55%	7.80%	16.30%	11.60%	23.40%
Return on Assets (ROA)	0.36%	0.64%	0.56%	1.00%	0.99%	1.46%
Return on Invested Capital (ROIC)	3.84%	6.45%	7.80%	16.30%	11.60%	13.88%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Earnings Yield	4.58%	6.01%	7.45%	18.33%	24.42%	27.50%
FCF Yield	10.32%	7.22%	15.62%	16.21%	53.35%	14.92%
Buyback Yield / Dilution	-0.20%	-1.40%	-0.13%	0.37%	-0.44%	0.58%

SEC Filings: 10-K · 10-Q