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Citizens, Inc. (CIA) Total Return Calculator with Dividends Reinvested

Citizens, Inc.

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The total return for Citizens, Inc. (CIA) stock is +37.75% over the past 12 months. So far it's up 12.85% this year. The 5-year total return is -1.58%, meaning $10,000 invested in CIA stock 5 years ago would be worth $9,842 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in CIA 1 year ago, it would be worth $14,751 today — you'd have gained $4,751.

With Dividends Reinvested$14,751+47.51%

Price Only (No DRIP)$14,751+47.51%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in CIA

1Y$13,775+$3,775 (+37.7%)37.7% CAGR

3Y$32,299+$22,299 (+223.0%)47.8% CAGR

5Y$9,842-$158 (-1.6%)-0.3% CAGR

10Y$7,444-$2,556 (-25.6%)-2.9% CAGR

15Y$8,314-$1,686 (-16.9%)-1.2% CAGR

20Y$10,604+$604 (+6.0%)0.3% CAGR

30Y$10,360+$360 (+3.6%)0.1% CAGR

Citizens, Inc. did not pay dividends during this period. Total return = price return.

Loading CIA total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+12.85%	—	+12.85%	—	$11,285
1Y	+37.75%	37.75%	+37.75%	—	$13,775
3Y	+222.99%	47.82%	+222.99%	—	$32,299
5Y	-1.58%	-0.32%	-1.58%	—	$9,842
10Y	-25.56%	-2.91%	-25.56%	—	$7,444
15Y	-16.86%	-1.22%	-16.86%	—	$8,314
20Y	+6.04%	0.29%	+6.04%	—	$10,604
30Y	+3.60%	0.12%	+3.60%	—	$10,360

Risk & Highlights

Best Year+84.00%2001

Worst Year-60.41%2022

Max Drawdown-25.86%2025-11-10 → 2026-03-24

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+8.84%	+8.84%	—	+0.41%	+8.4pp
2025	+12.06%	+12.06%	—	+16.64%	-4.6pp
2024	+47.43%	+47.43%	—	+24.00%	+23.4pp
2023	+29.33%	+29.33%	—	+24.81%	+4.5pp
2022	-60.41%	-60.41%	—	-19.95%	-40.5pp

CIA outperformed the S&P 500 by 6.42pp over the past year (+37.75% vs +31.32%).

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CIA Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
CIACitizens, Inc.	$287M	+8.5%	+12.9%	+37.7%	—	+223.0%	-1.6%	-25.6%
SNFCASecurity National Financial Corporation	$250M	+2.4%	+13.2%	-3.0%	—	+37.7%	+46.9%	+203.4%
CSWCCapital Southwest Corporation	$1.4B	+6.7%	+12.3%	+33.7%	+13.7pp	+76.9%	+52.1%	+231.6%
GBLIGlobal Indemnity Group, LLC	$384M	-2.3%	-5.6%	-2.8%	+4.8pp	+9.8%	+9.7%	+17.1%
GLGlobe Life Inc.	$12.1B	+7.7%	+12.0%	+29.2%	+0.9pp	+45.4%	+49.7%	+179.3%
CNOCNO Financial Group, Inc.	$4.3B	+9.9%	+8.7%	+23.8%	+1.8pp	+119.7%	+81.0%	+170.9%
FGF&G Annuities & Life, Inc.	$4.0B	+12.0%	-1.1%	-14.6%	+2.6pp	+91.8%	+92.7%	+92.7%
PRIPrimerica, Inc.	$8.8B	+9.1%	+7.4%	+6.6%	+1.6pp	+57.7%	+80.0%	+491.0%
MMCMarsh & McLennan Companies, Inc.	$85.3B	—	-3.6%	-21.6%	+1.6pp	+2.0%	+36.6%	+210.8%
AONAon plc	$66.0B	-5.5%	-10.0%	-13.0%	+0.9pp	-4.8%	+25.1%	+214.4%
BROBrown & Brown, Inc.	$19.3B	-15.0%	-26.9%	-48.2%	+0.6pp	-11.6%	+10.3%	+246.9%

Compare:CIA vs SNFCA CIA vs CSWC CIA vs GBLI CIA vs SNFCA vs CSWC

About CIA Dividend Returns

Citizens, Inc. (CIA) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of CIA over the past year?

Citizens, Inc. (CIA) delivered a return of 37.75% over the past year. Since CIA does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in CIA be worth today?

A $10,000 investment in Citizens, Inc. one year ago would be worth $13,775 today, representing a gain of $3,775.

Q3Does CIA pay dividends?

Citizens, Inc. (CIA) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For CIA, the total return equals the price-only return.

Q4Did CIA beat the S&P 500?

Yes, Citizens, Inc. (CIA) outperformed the S&P 500 by 6.42 percentage points over the past year. CIA delivered a total return of 37.75%, compared to the S&P 500's 31.32%. This 6.42pp alpha means investors in CIA earned more than a passive S&P 500 index fund.

Q5What is CIA's worst drawdown?

Citizens, Inc. (CIA) experienced a maximum drawdown of -25.86% over the past year, declining from its peak on 2025-11-10 to its trough on 2026-03-24. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is CIA's long-term total return over 10, 20, or 30 years?

Here are Citizens, Inc. (CIA)'s long-term returns with dividends reinvested. Over 10 years, the total return is -25.6% (-2.9% CAGR) — $10,000 would have grown to $7,444. Over 20 years: 6.0% total return (0.3% CAGR) — $10,000 → $10,604. Over 30 years: 3.6% total return (0.1% CAGR) — $10,000 → $10,360. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was CIA's best and worst year?

Citizens, Inc.'s best calendar year was 2001 with a total return of 84.0%. Its worst year was 2022 with a total return of -60.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 144.4 percentage points.