Citizens, Inc. (CIA) Stock Score, Valuation & Financial Research
Citizens, Inc. is in the Financial Services sector and Insurance - Life industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 42/100.
Quick answer for CIA
Citizens, Inc. currently has a Wall Street Score of 42/100. The stored market price is $3.61. Its financial score is 46/100. Its valuation score is 22/100. The latest WSS change is +0.5 points. These figures are a research snapshot, not a buy or sell recommendation.
What Citizens, Inc. does
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independe
CIA financial snapshot
- Wall Street Score:
- 42/100
- Current price:
- $3.61
- Market capitalization:
- $182.5M
- Revenue:
- $253.5M
- Net income:
- $11.6M
- Free cash flow:
- $17.5M
- Cash:
- $15.4M
- Total debt:
- $0
- EPS:
- 0.23
- P/E ratio:
- 15.4x
- Financial score:
- 46/100
- Valuation score:
- 22/100
- Revenue score:
- 25/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $17.5M, showing positive cash generation.
- The balance sheet shows $15.4M of cash versus $0 of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +0.5 points: CIA increased 0.5 points because Capital improved by 4 points.
What the numbers mean
Its current valuation score is 22/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 46/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-14.
How to research CIA
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.