Citizens, Inc.

Citizens, Inc.verified

CIA

Price:

$5.34

Market Cap:

$268.48M

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and indepen...[Read more]

Industry

Insurance - Life

IPO Date

1980-12-04

Stock Exchange

NYSE

Ticker

CIA

The ROE as of December 2025 (TTM) for Citizens, Inc. (CIA) is 4.93%

According to Citizens, Inc.’s latest financial reports and current stock price. The company's current ROE is 4.93%. This represents a change of 304.63% compared to the average of 1.22% of the last 4 quarters.

Citizens, Inc. (CIA) Historical ROE (quarterly & annually)

How has CIA ROE performed in the past?

The mean historical ROE of Citizens, Inc. over the last ten years is -74.09%. The current 4.93% ROE has changed -106.65% with respect to the historical average. Over the past ten years (40 quarters), CIA's ROE was at its highest in in the December 2022 quarter at 121.96%. The ROE was at its lowest in in the December 2017 quarter at -19.78%.

Quarterly (TTM)
Annual

Average

-74.09%

Median

-2.56%

Minimum

-718.70%

Maximum

14.20%

Citizens, Inc. (CIA) ROE by Quarter and Year

Discovering the peaks and valleys of Citizens, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 4.49%

Maximum Annual ROE = 14.20%

Minimum Annual Increase = -2258.03%

Minimum Annual ROE = -718.70%

Quarterly (TTM)
Annual
YearROEChange
20247.09%-50.07%
202314.20%-101.98%
2022-718.70%4.49%
2021-15.65%328.58%
2020-3.65%592.48%
2019-0.53%-91.05%
2018-5.89%-65.46%
2017-17.06%-2258.03%
20160.79%-153.56%
2015-1.48%-41.39%

Citizens, Inc. (CIA) Average ROE

How has CIA ROE performed in the past?

The current ROE of Citizens, Inc. (CIA) is greater than its 3-year, greater than its 5-year, and greater than its 10-year historical averages

3-year avg

-232.47%

5-year avg

-143.34%

10-year avg

-74.09%

Citizens, Inc. (CIA) ROE vs. Peers

How is CIA’s ROE compared to its peers?

Citizens, Inc.’s ROE is less than NI Holdings, Inc. (0.63%), less than Destiny Tech100 Inc. (30.62%), less than Citizens & Northern Corporation (9.59%), less than Waterstone Financial, Inc. (6.99%), less than FS Bancorp, Inc. (10.84%), less than Graf Global Corp. (5.13%), less than Legato Merger Corp. III (8.43%), less than Launch One Acquisition Corp. (5.25%), less than Plumas Bancorp (1.11%), greater than Ethzilla Corp. (-192.62%),

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