CITIZENS, Inc. (CIA) intrinsic value & 10-year financials
CITIZENS, Inc. (CIA) has a Graham intrinsic value of $16.02 per share. At $3.44 on Oct 17, 2026, the stock trades 79% below that value. Over the last 10 fiscal years revenue grew 0.5% a year to $255.6M, with an average return on invested capital of 2.5%.
- Graham intrinsic value
- $16.02
- Share price (Oct 17, 2026)
- $3.44
- Price vs Graham value
- 79% below
- Market cap
- $104.1M
- Revenue (FY2025)
- $255.6M
- Revenue growth (10-yr CAGR)
- 0.5%
- ROIC (10-yr avg)
- 2.5%
- Free cash flow (FY2025)
- $17.5M
CIA 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $255.6M | $14.6M | — | $17.5M | — | 6.6% |
| FY2024 | $245.0M | $14.9M | — | $31.3M | — | 7.8% |
| FY2023 | $240.7M | $24.4M | — | $21.6M | — | 28.2% |
| FY2022 | $232.5M | -$6.6M | — | $56.8M | — | -4.1% |
| FY2021 | $250.5M | $36.8M | — | $39.4M | — | 11.8% |
| FY2020 | $238.9M | -$11.0M | — | $48.6M | — | -3.9% |
| FY2019 | $250.5M | -$1.4M | — | $71.7M | — | -0.6% |
| FY2018 | $244.0M | -$11.1M | — | $83.9M | — | -5.4% |
| FY2017 | $252.6M | -$38.1M | — | $91.7M | — | -16.1% |
| FY2016 | $245.4M | $2.0M | — | $100.1M | — | 0.8% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
CITIZENS, INC. has demonstrated mature, steady growth, with revenue compounding at 0.5% annually over the past decade.
CITIZENS, INC. 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
CITIZENS, INC. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, CITIZENS, INC. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $16.02 per share.