Grade My Investments

Citizens, Inc. (CIA) Stock Grade

CIA · Financial Services

C-
Grade updated: September 29, 2026
Computed by the GradeMyInvestments scoring model from revenue growth, profitability, balance-sheet strength, and analyst targets.
Market Cap
$182.5M
P/E Ratio
16.6
Revenue Growth (YoY)
+4.3%
Net Margin
5.7%
Return on Equity
6.2%
Dividend Yield
None

About Citizens, Inc.'s fundamentals

Citizens, Inc. is a small-cap life insurance company with a market capitalization of $182.5 million that is growing modestly at 4.3% year-over-year in revenue. The company trades at a P/E ratio of 16.6 and generates a net margin of 5.7%, indicating moderate profitability relative to its sales. Return on equity stands at 6.2%, suggesting relatively modest efficiency in deploying shareholder capital, and the company does not currently pay a dividend.

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