The stock of Citizens, Inc (NYSE: CIA) has decreased by -7.11 when compared to last closing price of 3.80.Despite this, the company has seen a loss of -4.85% in its stock price over the last five trading days. newsfilecorp.com reported 2025-05-08 that Total revenues of $55.7 million in Q1 2025, from $57.7 million in Q1 2024Adjusted total revenues of $58.5 million in Q1 2025, up from $56.7 million in Q1 2024 $1.8 million loss before federal income tax in Q1 2025, from $4.9 million income in Q1 2024 Adjusted income before federal income tax of $1.1 million in Q1 2025, from $4.0 million in Q1 2024 Book value per Class A share of $4.37 at March 31 2025, from $3.94 at March 31, 2024Adjusted book value per Class A share of $6.12 at March 31, 2025, from $5.95 at March 31, 2024 Austin, Texas–(Newsfile Corp. – May 8, 2025) – Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the first quarter ended March 31, 2025. “We continue to deliver on our strategic commitments with our tenth consecutive quarter of year-over-year growth in first year premiums.
Is It Worth Investing in Citizens, Inc (NYSE: CIA) Right Now?
The price-to-earnings ratio for Citizens, Inc (NYSE: CIA) is 20.40x, which is above its average ratio. Moreover, the 36-month beta value for CIA is 0.38. Analysts have varying opinions on the stock, with 0 analysts rating it as a “buy,” 0 as “overweight,” 0 as “hold,” and 0 as “sell.”
The public float for CIA is 44.57M and currently, short sellers hold a 11.64% of that float. On June 13, 2025, CIA’s average trading volume was 113.73K shares.
CIA’s Market Performance
The stock of Citizens, Inc (CIA) has seen a -4.85% decrease in the past week, with a -13.90% drop in the past month, and a -21.38% fall in the past quarter. The volatility ratio for the week is 5.00%, and the volatility levels for the past 30 days are at 2.95% for CIA. The simple moving average for the past 20 days is -5.67% for CIA’s stock, with a -18.03% simple moving average for the past 200 days.
Analysts’ Opinion of CIA
Many brokerage firms have already submitted their reports for CIA stocks, with KeyBanc Capital Mkts repeating the rating for CIA by listing it as a “Buy.” The predicted price for CIA in the upcoming period, according to KeyBanc Capital Mkts is $8.50 based on the research report published on April 10, 2008 of the previous year 2008.
Oppenheimer, on the other hand, stated in their research note that they expect to see CIA reach a price target of $6.50. The rating they have provided for CIA stocks is “Buy” according to the report published on January 11th, 2008.
CIA Trading at -11.58% from the 50-Day Moving Average
After a stumble in the market that brought CIA to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -40.62% of loss for the given period.
Insider Trading
Reports are indicating that there were more than several insider trading activities at CIA starting from Stenberg Jon, who purchase 30,000 shares at the price of $3.69 back on May 29 ’25. After this action, Stenberg Jon now owns 179,016 shares of Citizens, Inc, valued at $110,838 using the latest closing price.
Stenberg Jon, the President & CEO of Citizens, Inc, purchase 4,850 shares at $3.80 during a trade that took place back on May 29 ’25, which means that Stenberg Jon is holding 129,213 shares at $18,430 based on the most recent closing price.
Stock Fundamentals for CIA
Current profitability levels for the company are sitting at:
- 0.03 for the present operating margin
- 0.77 for the gross margin
The net margin for Citizens, Inc stands at 0.04. The total capital return value is set at -121.0. Equity return is now at value 4.23, with 0.52 for asset returns.
When we switch over and look at the enterprise to sales, we see a ratio of 0.73. The liquidity ratio also appears to be rather interesting for investors as it stands at 12.43.
Conclusion
To wrap up, the performance of Citizens, Inc (CIA) has been bad in recent times. The stock has received a mixed of “buy” and “hold” ratings from analysts. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
