CIA
Citizens, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
3.76
▼ 0.04 (1.05%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
3.80
Prev close
3.80
Day high
3.87
Day low
3.75
Volume
101.08K
Market cap
$190.42M
P/E (TTM)
17.09
52W range
3.56 – 6.54
Day trading desk
Gap from prior close
+0.00%
Prior close 3.80
VWAP
3.80
-0.92% from price
Relative volume
0.90×
Normal
Session range
3.47%
3.75 – 3.88
Position in range
8%
Near session low
ATR (14D)
0.27
7.07% of price
Prior day high
3.94
PDH
Prior day low
3.80
PDL
Bid / ask spread
—
Quote not published
Session volume
121.02K
Avg 134.72K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-5.29%
-3.9%
1M
-23.58%
-27.3%
3M
-23.89%
-27.0%
6M
-35.06%
-46.1%
YTD
-22.15%
-34.4%
1Y
-25.25%
-45.2%
3Y
+19.37%
-54.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
10 more panels on CIA open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
5.84M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 14, 26 | LEWIS BRYON MATTHEW Chief Operating Officer |
— | 2.63K | — | Direct |
| Aug 14, 26 | GUERRERO PAULA L Chief Technology Officer |
— | 2.71K | — | Direct |
| Aug 11, 26 | STENBERG JON Chief Executive Officer |
BUY | 12.00K | $43.80K | Direct |
| Aug 10, 26 | STENBERG JON Chief Executive Officer |
BUY | 50.00K | $199.63K | Direct |
| Jul 31, 26 | GUERRERO PAULA L Chief Technology Officer |
BUY | 932 | $4.97K | Direct |
| Jun 17, 26 | TAYLOR MARY ALICE Director |
— | 12.01K | — | Direct |
| Jun 17, 26 | CARLSON PETER M Director |
— | 12.01K | — | Direct |
| Jun 17, 26 | CLAUS CHRISTOPHER W Director |
— | 12.01K | — | Direct |
| May 29, 26 | TAYLOR MARY ALICE Director |
BUY | 454 | $2.49K | Direct |
| May 29, 26 | DAVIS JERRY DODD JR Director |
BUY | 1.82K | $9.95K | Direct |
| May 21, 26 | STENBERG JON Chief Executive Officer |
BUY | 10.00K | $48.19K | Direct |
| Apr 7, 26 | DAVIS CYNTHIA H Director |
BUY | 261 | $1.35K | |
| Mar 31, 26 | CONKLIN JEFFERY P. Chief Financial Officer |
— | 15.53K | — | Direct |
| Mar 31, 26 | KINLAW SHERYL L Officer |
— | 13.66K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CLAUS CHRISTOPHER W |
Director | 84.41K | Conversion of Exercise of derivative security |
CONKLIN JEFFERY P. |
Chief Financial Officer | 200.09K | Conversion of Exercise of derivative security |
DAVIS JERRY DODD JR |
Director | 74.98K | Purchase |
KINLAW SHERYL L |
Officer | 99.35K | Conversion of Exercise of derivative security |
MAULDIN ROBERT M III |
Officer | 145.07K | Conversion of Exercise of derivative security |
MORGAN JAMES KEITH |
Director | 94.18K | Conversion of Exercise of derivative security |
SHIELDS GERALD |
Director | 303.94K | Conversion of Exercise of derivative security |
STENBERG JON |
Chief Executive Officer | 507.67K | Purchase |
TAYLOR MARY ALICE |
Director | 60.83K | Conversion of Exercise of derivative security |
WAITE HARVEY L J |
Officer | 84.03K | Purchase |
Fundamentals
Market cap$190.42M
Enterprise value$175.01M
Revenue (TTM)$255.01M
Gross profit$68.54M
EBITDA$14.94M
Net income$11.60M
EPS (TTM)$0.22
Free cash flow$9.61M
Total cash$15.41M
Total debt$0
Book value / share$4.64
Shares outstanding50.64M
Float45.14M
Short % of float8.34%
Dividend yield—
Beta (5Y)0.46
Valuation & profitability ratios
Trailing P/E17.09
Forward P/E18.80
PEG ratio1.21
Price / sales—
Price / book0.81
EV / revenue0.69
EV / EBITDA11.72
Gross margin26.88%
Operating margin-0.88%
Profit margin4.55%
Return on equity5.00%
Return on assets0.51%
Debt / equity—
Current ratio0.64
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $255.62M | $245.00M | $240.68M | $232.52M | +4.3% |
| Operating revenue | $255.62M | $245.00M | $240.68M | $232.52M | +4.3% |
| Selling, general & admin | $53.04M | $52.27M | $47.13M | $45.18M | +1.5% |
| Pre-tax income | $17.47M | $14.98M | $26.17M | $27.38M | +16.6% |
| Tax provision | $2.88M | $68.00K | $1.74M | $1.37M | +4,133.8% |
| Net income | $14.59M | $14.91M | $24.44M | $26.01M | -2.2% |
| Net income to common | $14.59M | $14.91M | $24.44M | $26.01M | -2.2% |
| Basic EPS | 0.29 | 0.30 | 0.49 | 0.52 | -2.9% |
| Diluted EPS | 0.28 | 0.29 | 0.48 | 0.51 | -3.4% |
| Basic shares | 50.30M | 49.91M | 49.70M | 50.14M | +0.8% |
| Diluted shares | 52.11M | 51.42M | 50.68M | 50.87M | +1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $21.42M | $27.72M | $27.00M | $22.97M | — | -22.7% |
| Cash & short-term investments | $49.74M | $1.25B | $27.00M | $1.20B | — | -96.0% |
| Accounts receivable | $22.17M | $18.66M | $15.26M | $16.39M | — | +18.8% |
| Property, plant & equipment | $9.84M | $10.57M | $11.81M | $12.93M | — | -7.0% |
| Goodwill & intangibles | — | — | — | — | $941.00K | — |
| Total assets | $1.75B | $1.69B | $1.67B | $1.59B | — | +4.1% |
| Total liabilities | $1.52B | $1.47B | $1.50B | $1.46B | — | +3.0% |
| Retained earnings | $71.65M | $57.06M | $42.15M | $16.31M | — | +25.6% |
| Shareholder equity | $234.99M | $210.35M | $65.88M | $127.79M | — | +11.7% |
| Net tangible assets | $234.99M | $210.35M | $65.88M | $127.79M | — | +11.7% |
| Shares issued | 54.63M | 54.24M | 53.88M | 53.76M | — | +0.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $14.59M | $14.91M | $24.44M | $26.01M | -2.2% |
| Depreciation & amortisation | $741.00K | $619.00K | $515.00K | $536.00K | +19.7% |
| Stock-based compensation | $2.77M | $1.52M | $588.00K | $461.00K | +82.9% |
| Change in working capital | $14.57M | $32.20M | $3.71M | $23.35M | -54.8% |
| Operating cash flow | $17.99M | $31.92M | $22.06M | $56.92M | -43.6% |
| Capital expenditure | -$447.00K | -$663.00K | -$442.00K | -$100.00K | +32.6% |
| Investing cash flow | -$19.67M | -$27.17M | -$14.50M | -$60.74M | +27.6% |
| Share buybacks | -$278.00K | -$393.00K | -$979.00K | -$2.71M | +29.3% |
| Financing cash flow | -$4.61M | -$2.47M | -$3.54M | -$499.00K | -86.5% |
| Free cash flow | $17.54M | $31.25M | $21.61M | $56.82M | -43.9% |
| End cash position | $22.98M | $29.27M | $27.00M | $22.97M | -21.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $60.41M | $59.72M | $72.07M | $62.81M | $65.09M | +1.2% |
| Operating revenue | $60.41M | $59.72M | $72.07M | $62.81M | $65.09M | +1.2% |
| Selling, general & admin | $14.09M | $13.37M | $13.60M | $13.29M | $13.46M | +5.4% |
| Pre-tax income | -$529.00K | $2.37M | $7.86M | $4.48M | $6.91M | -122.3% |
| Tax provision | -$104.00K | $106.00K | $526.00K | $2.06M | $455.00K | -198.1% |
| Net income | -$425.00K | $2.27M | $7.34M | $2.42M | $6.46M | -118.7% |
| Net income to common | -$425.00K | $2.27M | $7.34M | $2.42M | $6.46M | -118.7% |
| Basic EPS | -0.01 | 0.05 | 0.15 | 0.04 | 0.13 | -120.0% |
| Diluted EPS | -0.01 | 0.04 | 0.14 | 0.04 | 0.13 | -125.0% |
| Basic shares | 50.52M | 50.31M | 50.30M | 50.27M | 50.11M | +0.4% |
| Diluted shares | 51.82M | 51.58M | 52.41M | 51.57M | 50.98M | +0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $15.41M | $16.97M | $21.42M | $21.57M | $21.12M | -9.2% |
| Cash & short-term investments | $31.87M | $37.38M | $49.74M | $53.48M | $42.23M | -14.7% |
| Accounts receivable | $25.14M | $22.26M | $22.17M | $20.32M | $20.12M | +12.9% |
| Property, plant & equipment | $9.17M | $9.67M | $9.84M | $9.58M | $9.85M | -5.2% |
| Total assets | $1.75B | $1.74B | $1.75B | $1.74B | $1.71B | +0.7% |
| Total liabilities | $1.52B | $1.50B | $1.52B | $1.52B | $1.48B | +1.1% |
| Retained earnings | $73.50M | $73.92M | $71.65M | $64.31M | $61.90M | -0.6% |
| Shareholder equity | $235.16M | $238.67M | $234.99M | $225.60M | $229.03M | -1.5% |
| Net tangible assets | $235.16M | $238.67M | $234.99M | $225.60M | $229.03M | -1.5% |
| Shares issued | 50.55M | 54.66M | 54.63M | 54.62M | 54.57M | -7.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | -$425.00K | $2.27M | $7.34M | $2.42M | $6.46M | — | -118.7% |
| Depreciation & amortisation | $180.00K | $171.00K | $206.00K | $192.00K | $182.00K | — | +5.3% |
| Stock-based compensation | $533.00K | $476.00K | $1.05M | -$70.00K | $1.23M | — | +12.0% |
| Change in working capital | $4.10M | $635.00K | $7.42M | $3.26M | $1.85M | — | +545.8% |
| Operating cash flow | $2.05M | -$323.00K | $9.10M | $4.67M | $3.47M | — | +733.7% |
| Capital expenditure | -$35.00K | -$326.00K | -$104.00K | -$60.00K | -$176.00K | — | +89.3% |
| Investing cash flow | -$3.00M | -$3.43M | -$8.51M | -$4.53M | $4.80M | — | +12.4% |
| Share buybacks | — | — | — | — | — | -$393.00K | — |
| Financing cash flow | -$603.00K | -$705.00K | -$733.00K | $307.00K | -$3.95M | — | +14.5% |
| Free cash flow | $2.01M | -$649.00K | $8.99M | $4.61M | $3.29M | — | +410.0% |
| End cash position | $16.96M | $18.52M | $22.98M | $23.12M | $22.67M | — | -8.4% |
Options analytics
Put / call volume
2.00
Put-heavy session
Put / call open interest
87.00
Positioning, not flow
Max pain
5.00
+33.0% from spot
ATM implied vol
130.5%
Nearest strike to spot
Skew (10% OTM)
-52.3%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
5.00
2 contracts
Heaviest put OI
5.00
174 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.07 | 0.01 | -85.7% |
| Mar 2026 | 0.05 | 0.03 | -40.0% |
| Dec 2025 | 0.08 | 0.11 | +37.5% |
| Sep 2025 | 0.06 | 0.07 | +16.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.03 | 1 | $64.17M | +2.2% |
| Next quarter | 0.05 | 1 | $71.37M | -1.0% |
| Current year | 0.12 | 1 | $255.67M | +0.0% |
| Next year | 0.20 | 1 | $264.99M | +3.6% |
Analyst targets & ownership
Mean target$5.00
High target$5.00
Low target$5.00
Implied upside32.98%
Analyst count1
ConsensusSTRONG BUY
Strong buy / Buy0 / 0
Hold0
Sell / Strong sell0 / 0
Held by insiders11.54%
Held by institutions30.56%
Institutions holding110
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
3.84
-2.08% from price
SMA 20
4.26
-11.74% from price
SMA 50
5.08
-25.96% from price
SMA 100
5.20
-27.68% from price
SMA 200
5.29
-28.97% from price
EMA 12
3.99
-5.77% from price
EMA 26
4.37
-14.03% from price
EMA 50
4.74
-20.74% from price
RSI (14)
27.4
Oversold
MACD (12,26,9)
-0.38
Hist -0.00
ATR (14)
0.27
7.07% of price
Realised vol 30D
59.7%
Annualised
Bollinger upper
5.23
20, 2σ
Bollinger lower
3.29
20, 2σ
50 / 200 cross
Death
5.08 vs 5.29
Trend bias
Below 200
-28.97%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.01
More volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
59.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-41.7%
Peak to trough
Max drawdown 5Y
-75.4%
Peak to trough
ATR 14
0.27
7.07% of price
Beta (reported)
0.46
5Y monthly, from filing
Short interest
Shares short
4.13M
Prior 3.75M
Change vs prior
+10.2%
Shorts adding
% of float
8.34%
Normal
% of shares out
8.15%
Against total outstanding
Days to cover
38.0
Crowded exit
Float
45.14M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate—
Forward yield—
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split107:100
Split dateDec 13, 2005
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-06-18
Offering Registrations
S-8 · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-05-07
Proxy Statements
DEF 14A · 2026-04-30
Periodic Financial Reports
10-K · 2026-03-12
Corporate Changes & Voting Matters
8-K · 2026-03-10
Corporate Changes & Voting Matters
8-K · 2025-11-07
Headlines
Citizens: Q2 Earnings Snapshot
Associated Press · 17d ago
Citizens, Inc. Reports Second Quarter 2026 Financial Results
TMX Newsfile · 17d ago
Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar?
Zacks · 55d ago
Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026
TMX Newsfile · 75d ago
Presenting on Emerging Growth Conference 93 Day 1 on June 10; Register to live stream
GlobeNewswire · 76d ago
PRIVATE STRATEGY · BY QUALIFICATION
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