CIAFinancial Services · Insurance - Life

CIA Stock Forecast: Citizens, Inc. (Austin, Texas) Price Predictions for 2026-2027

Last close, 21 Sept 2026

$3.61

+0.84% on the day

The 1 Wall Street analysts covering Citizens, Inc. (Austin, Texas) hold a median 12-month price target of $5.25 — +45.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 35 of 100 as at 21 Sept 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap

$182.8M

Ticker Nerd rank

35 / 100

Median analyst target

$5.25

Analysts covering

Revenue$60.4M−7.2% y/y

Net income−$425K

Free cash flow$2.0M

Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown

Total return, dividends reinvested

−0.3%

−4.0%

YTD

−25.3%

−38.7%

From 52W high

−43.4%

From 52W low

+3.7%

$3.48

$6.38

52-week range, adjusted closes · the dot is the last close

Ticker Nerd rank

CIA stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Citizens, Inc. (Austin, Texas) on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 21 Sept 2026

35 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth

Size

Issuance

Value

Accruals

Momentum

Revisions

Quality

Volatility

Growth (83): Sales and profits are climbing, and climbing faster than before.

Volatility (19): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

CIA stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CIA, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says1 analysts

1 Buy0 Hold0 Sell

Low $5.00Median $5.25High $5.50

The green dot is the last close — the median target sits +45.4% from it.

Recent analyst actionsNewest first

Date	Firm	Action	Rating	Target
24 Aug 2026	Freedom Broker	Initiates	Buy	$5.50

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CIA appears on the weeks it earns a place.

Performance

CIA vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 21 Sept 2026, Citizens, Inc. (Austin, Texas) returned −38.7% against +17.8% for the S&P 500, dividends included.

CIA vs S&P 500, last 12 monthsTotal return, rebased to 100

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CIA analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year

EPS revision, 90 days

−60.0%

Analysts raising

Analysts cutting

Fundamentals

Citizens, Inc. (Austin, Texas) (CIA) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation

Trailing P/E: 16.4×
Price / sales: 0.7×
Price / book: 0.8×
EV / EBITDA: 11.2×

Growth & margins

Revenue growth (YoY): −7.2%
Earnings growth (YoY): −7.2%
Gross margin: —
Operating margin: −0.9%
Net margin: 4.5%

Returns & dividend

Return on equity: 5.0%
Return on assets: 0.5%
Dividend yield: —

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Citizens, Inc. (Austin, Texas) (CIA) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

Citizens, Inc. (Austin, Texas) has a market value of $182.8M and an enterprise value of $167.4M.
Revenue in the twelve months to 30 June 2026: $255.0M. The latest quarter shrank 7.2% year on year.
Net income over the same four quarters: $11.6M, a 4.5% net margin.
Diluted earnings per share, trailing twelve months: $0.21.
Free cash flow in the twelve months to 30 June 2026: $15.0M.
Shares outstanding: 50.6M.
Trailing P/E: 16.4×; forward P/E: 18.1× — the forward figure prices analyst consensus estimates, not reported earnings.
Citizens, Inc. (Austin, Texas) employs 243 people — $1.0M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 22 Sept 2026

Data provided by Twelve Data

Peers

CIA vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelInsurance - Life

Company	Market cap	TKN rank
CIACitizens, Inc. (Austin, Texas)	$182.8M	35
SNFCASecurity National Financial Corp.	$239.5M	53
ABXAbacus Global Management, Inc.	$786.9M	95
BHFBrighthouse Financial, Inc.	$2.9B	59
FGF&G Annuities & Life, Inc.	$3.1B	19
BWIVBlue Water Acquisition Corp. IV*	$182.2M	10
RVIIRobinhood Ventures Fund II*	$182.4M	5

* Nearest Financial Services names by size — few insurance - life companies of this scale trade in the US universe.

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Citizens, Inc. (Austin, Texas) — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CIA news & analysis

CIA-backed investor helped top German drones firm break into US

Reuters · 31 Aug 2026neutral

The co-CEO of German drone maker Quantum Systems said the firm gained an early foothold in the United States with help from CIA-linked investor In-Q-Tel (IQT). The case highlights how U.S. capital and networks continue to shape Europe's emerging defence companies.

Why it matters — A CIA watcher would care because it illustrates how the agency's investment arm In-Q-Tel aids European defence firms in entering the U.S. market.

Champion Iron Gets Second Strike on Pay Report as Shareholders Back Board

MarketBeat · 27 Aug 2026negative

At Champion Iron's annual general meeting, shareholders adopted the company's 2026 remuneration report, but opposition exceeding 25% of votes cast constituted a second strike under Australia's Corporations Act.

Why it matters — A second strike on a remuneration report is a notable corporate governance signal for Champion Iron shareholders and watchers of the company.

CIA chief John Ratcliffe reportedly made secretive Moscow trip to warn Russia against attacking NATO

CNBC · 27 Aug 2026neutral

CIA Director John Ratcliffe reportedly made a secretive trip to Moscow to warn Russia against attacking NATO. The trip comes as Russia and Ukraine have intensified long-range drone and missile strikes amid fears of further escalation.

Why it matters — A CIA watcher would care because it shows the agency's director engaging directly in high-stakes deterrence diplomacy over potential NATO conflict.

Citizens, Inc. Reports Second Quarter 2026 Financial Results

Newsfile Corp · 6 Aug 2026positive

Citizens, Inc. (NYSE: CIA), a diversified financial services company specializing in life, living benefits, and final expense insurance, reported financial results for the second quarter ended June 30, 2026. Management stated that underlying indicators of future growth continued to advance.

Why it matters — CIA watchers would care because the quarterly report offers a view of the company's recent financial performance and the growth indicators it views as pointing toward future progress.

Champion Iron Q1 Earnings Call Highlights

MarketBeat · 1 Aug 2026negative

Champion Iron reported first-quarter fiscal 2027 production of about 3.9 million tonnes of high-grade iron ore across its Bloom Lake and Rana Gruber operations, while sales totaled about 3.3 million tonnes. The company noted that lower sales volumes, elevated freight costs, and startup activity at its new direct-reduction pellet feed plant affected quarterly profitability.

Why it matters — For CIA watchers, these results show near-term profitability pressure on the company's iron ore operations despite continued production output.

FAQ

Frequently asked questions about CIA stock

What is the CIA stock price forecast for 2026-2027?

The 1 Wall Street analysts covering Citizens, Inc. (Austin, Texas) have a median 12-month price target of $5.25, with estimates ranging from $5 to $5.5. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CIA stock a buy right now?

Of the 1 analysts covering Citizens, Inc. (Austin, Texas), 1 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Citizens, Inc. (Austin, Texas) 35 out of 100 across roughly 4,600 US stocks as at 21 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CIA?

As at 21 Sept 2026, Citizens, Inc. (Austin, Texas) ranks 35 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (83 of 100).

Will CIA stock go up?

No one can know that. What the data says: the median 12-month target from 1 analysts implies +45.4% from the last close, and Ticker Nerd's factor model ranks Citizens, Inc. (Austin, Texas) 35 out of 100 as at 21 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CIA stock forecast for 2030?

No analyst covering Citizens, Inc. (Austin, Texas) publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CIA are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $5 to $5.5 over the next 12 months.

How has CIA stock performed over the past year?

Citizens, Inc. (Austin, Texas) returned -38.7% over the 12 months to 21 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Citizens, Inc. (Austin, Texas) do?

Citizens, Inc. Class A Common Stock represents ownership in Citizens, Inc., an insurance holding company focused on life insurance and related financial protection products.

What is the latest news on CIA?

The most recent item we track (Reuters, 31 Aug 2026): "CIA-backed investor helped top German drones firm break into US". The co-CEO of German drone maker Quantum Systems said the firm gained an early foothold in the United States with help from CIA-linked investor In-Q-Tel (IQT). The case highlights how U.S. capital and networks continue to shape Europe's emerging defence companies.

Company

About Citizens, Inc. (Austin, Texas).

Citizens, Inc. Class A Common Stock represents ownership in Citizens, Inc., an insurance holding company focused on life insurance and related financial protection products. Citizens, Inc. provides whole life, endowment, final expense, living benefits, and critical illness coverage through its Life Insurance and Home Service Insurance segments. Its products are distributed to individual policyholders and small businesses, with a particular emphasis on middle- and lower-income households in the United States and on non-U.S. residents seeking U.S. dollar-denominated policies. The company also offers accident and health insurance policies through selected distribution channels, including independent agents, marketing agencies, and funeral homes. Citizens, Inc. is headquartered in Austin, Texas, and its Class A common stock is used by market participants to track a niche life and health insurance business with exposure to both domestic and international insurance markets.

CEO Mr. Jon Scott Stenberg · 243 employees · United States · https://www.citizensinc.com