Is Citizens, Inc. overvalued?

Citizens, Inc. (CIA) looks undervalued — trading about 89% below its fair value.

Undervalued

Price

$3.97

Fair value

$7.52

Current P/E

17.3

Normal P/E

32.7

Market cap

$200.7M

Dividend yield

0.0%

Return on equity

5.0%

Sector

Financial Services

Fair value compares CIA's current P/E to its own historical "normal" P/E (FAST Graphs-style). Updated 12 Aug 2026.

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