Compliance updated on Jun 19, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor

Financial data updated nightly

Citizens Inc

CIA ✗ NOT COMPLIANT ☆ Track — members

NYSE · Financials · Life & Health Insurance ·

USA Micro Cap Analyst: N/A

Last Close

$3.97

▲ +1.79%

Market Cap $201.05M · Vol 39.50K

Key Metrics

P/E Ratio

17.68

FWD: 11.79

Market Cap

$201.05M

Micro Cap

Div Yield

N/A

Dividend with no set frequency

EPS Growth

+7.14%

YoY

RSI (14)

25.52

Momentum

Beta

0.41

vs Market

52W High

$6.54

39.30% below

52W Low

$3.56

11.52% above

Volume

39.50K

Avg 44.05K

P/B

1.03

Price-to-book

ROE

N/A

Return on equity

Free Float

88.29%

Public shares

Shariah Compliance8 STANDARDS

✗ Citizens Inc (CIA) stock is currently not Shariah compliant

AAOIFI—
Dow Jones Islamic (DJIM)—
FTSE Shariah—
MSCI Islamic—
S&P Shariah—
Al Rajhi—
Alinma—
Albilad—

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Which standards does CIA pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

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Members get zakat per share and a built-in calculator for their exact holding.

Historical Returns

+4.47%

-28.21%

-24.52%

-33.61%

YTD

-17.81%

-21.85%

+32.33%

-32.71%

Financials & Valuation

TTM · Annual

Total Revenue	$255.62M
Net Income	$14.59M
Revenue Growth (YoY)	-7.19%
Gross Margin	N/A
Operating Margin	6.83%
Net Profit Margin	5.71%
ROE	N/A
ROA · ROIC	1.02% · 6.55%

P/E Ratio	17.68
Forward P/E (FY1)	11.79
PEG Ratio	-4.87
P/S	0.97
P/B	1.03
P/FCF	14.17
EPS Growth	+7.14%
Outstanding Shares	50.64M

Technical Indicators

50-Day SMA	$5.23
200-Day SMA	$5.34
RSI (14)	25.52
Beta	0.41
52-Week High	$6.54
52-Week Low	$3.56

Volume Today	39.50K
Avg Daily Volume (30D)	44.05K
Relative Volume	0.90x
Volatility (10D)	94.51
Volatility (30D)	59.98
Free Float	88.29%

Analyst Consensus

N/A

Current Price $3.97

Mean Target $5.00

52W Low$3.56 52W High$6.54

Current

Target

$3.56 $6.54

Current Analyst target

+25.94% upside potential · 1 analysts

Identifiers

ExchangeNYSE

FIGIBBG001S81V90

ISINUS1747401008

CountryUnited States of America

Sub-IndustryLife Insurance

Earnings DateNov 4, 2026

TypeStocks

Instrument TypeORD Ordinary Share

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Company Profile

Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the United States (U.S.), Latin America, and Asia. It operates two segments: Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment and critical illness policies to non-U.S. residents, located principally in Latin America and the Pacific Rim. In the U.S. it primarily sells whole-life final expense insurance and insurance with living benefits. This segment operates business through CICA Life, A.I. (CICA International) and CICA Life Insurance Company of America (CICA Domestic). The Home Service Insurance segment offers affordable life insurance policies to lower-income households in Louisiana, Mississippi and Arkansas, conducting business through Security Plan Life Insurance Company and Magnolia Guaranty Life Insurance Company.