Zacks Investment Research·2d ago
Citizens (CIA) Reports Break-Even Earnings for Q3Citizens (CIA) reported break-even quarterly earnings per share versus the Zacks Consensus Estimate of $0.03. This compares to earnings of $0.07 per share a year ago.
Citizens, Inc. (CIA) trades at 0.82x book value ($3.80/share) yet fundamentals appear fragile: the combined ratio has swung between 89.1% and 103.2% over ten quarters, with 2026Q2 posting 100.9% and a net loss of -$425K.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Nov 5, 2026 | -$0.01-115.3% vs $0.06 | $65M+0.5% vs $65M |
Q3 2026 Aug 6, 2026 | $0.01-85.7% vs $0.07 | $62M-3.1% vs $64M |
Q2 2026 May 7, 2026 | $0.03-40.0% vs $0.05 | $59M+0.0% vs $59M |
Q2 2026 Mar 12, 2026 | $0.11+37.5% vs $0.08 | $70M+3.4% vs $68M |
Citizens (CIA) reported break-even quarterly earnings per share versus the Zacks Consensus Estimate of $0.03. This compares to earnings of $0.07 per share a year ago.
Austin, Texas--(Newsfile Corp. - November 5, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the third quarter ended September 30, 2026. "Premium growth, distribution expansion, and cash generation all continued to strengthen.
Champion Iron TSE: CIA reported fiscal 2027 second-quarter production of about 3.9 million tonnes and sales of just under 4.5 million tonnes, with higher sales helping reduce inventories at its Bloom Lake operation and at Rana Gruber.
Citizens NYSE: CIA is positioning its life insurance business for growth through expansion in domestic final expense coverage, international U.S.-dollar-denominated policies and a planned modernization of its technology platform, Chief Executive Officer Jon Stenberg said during a company presentation.
Benchmark CIA against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citizens, Inc. (CIA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $4.13 | $208.79M | 24.04 | 4.33% | 3.42% | 3.77% | — | |
| $9.48 | $212.28M | 6.84 | 8535.01% | 15.23% | 9.13% | — | |
| $23.26 | $1.45B | 15.94 | 64.73% | 55.86% | 10.22% | 9.62% | |
| $21.75 | $311.87M | 10.26 | 2.02% | 6.74% | 4.34% | 6.45% | |
| $157.18 | $12.2B | 10.37 | 3.82% | 18.88% | 19.09% | 0.68% | |
| $55.45 | $5.18B | 12.52 | 0.94% | 9.19% | 16.62% | 1.22% |
Citizens, Inc. (CIA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citizens, Inc. (CIA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 6, 2026·SEC
Jun 18, 2026·SEC
May 7, 2026·SEC
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Citizens, Inc. (CIA) stock FAQ — growth, dividends, profitability & financials explained
Citizens, Inc. (CIA) grew revenue by 3.5% over the trailing twelve months, compared with the twelve months before.
Yes. Citizens, Inc. (CIA) earned $8.8M in net income over the trailing twelve months (a 3.4% net margin).
Citizens, Inc. (CIA) had a return on equity (ROE) of 3.8% over the trailing twelve months. That is below the market's typical 10-15%.
Citizens, Inc. (CIA) has a combined ratio of 93.2%. A ratio below 100% indicates underwriting profitability.
