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Citizens, Inc.

CIA Finance Life Insurance
$5.18
▲ +1.2% Today
as of Jun 7, 06:55 ET
Last 30 days -9.60% Apr 28 → Jun 05
$4.73 $5.00 $5.27 $5.53 $5.80 Apr 28 May 05 May 13 May 20 May 29 Jun 05
Open
$5.04
High
$5.43
Low
$5.01
Volume
$156,555
Avg Vol
$150,868
Mkt Cap
$263M
P/E (TTM)
Beta
52w High
$6.40
52w Low
$3.25
Div Yield
Shares Out

Overview

52-week range
$3.25
$6.40
61% of range
Avg surprise (last 2)
-50.0%
Avg reaction (last 2)
+3.0%
100% positive
Latest IV / EM
112%
EM ±15.4% · $5 · Jun 18

Earnings trends

EPS — actual vs estimate Actual Estimate
$-0.48$-0.22$0.04$0.29$0.55 Actual $0.02Est $0.05Actual $0.03Est $0.05 Mar/2025Mar/2026
Revenue vs Net Income Revenue Net income
$-2M$16M$33M$51M$68M Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu May 7, 2026Mar/2026 $0.03 $0.05 -40.0% +50.0% +0.7% earnings
Thu May 8, 2025Mar/2025 $0.02 $0.05 -60.0% +5.2% earnings

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue$60M$63M$65M$56M$62M$62M
Cost of revenue
Gross profit
Operating income
Net income$2M$2M$6M$-2M$3M$4M
EPS (diluted)

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$19M$23M$23M$23M$18M$29M$32M$26M
Inventory
Total current assets
Total assets$1.74B$1.75B$1.74B$1.71B$1.70B$1.69B$1.74B$1.66B
Long-term debt
Total liabilities$1.50B$1.52B$1.52B$1.48B$1.48B$1.47B$1.53B$1.47B
Total equity$239M$235M$226M$229M$218M$210M$208M$191M

Implied volatility — last 90 days

106%109%111%114%116% Jun 07 — IV 112% · EM ±15.4%

Sector peers

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