CIA Fair Value — Citizens Inc

Insurance · Institutional-depth multi-model valuation on Equity Rank

Current Price
$6.50
Consensus Fair Value
$5.30
Margin of Safety
-18.5%

When does CIA report earnings?

Citizens Inc (CIA) is next scheduled to report earnings on Aug 6, 2026. The consensus analyst EPS estimate for the upcoming quarter is $0.07.

Heading into this report, the model's fair value estimate sits 18.5% above the current price (model fair value differential below current price). Descriptive context only — not a forecast of the earnings result.

Earnings dates and estimates are sourced from third-party data and may change or lag. Informational only.

How CIA's valuation models agree

Equity Rank computed model fair value for CIA from 8 independent valuation methods with sufficient data. 3 place fair value above the current price of $6.50, and 5 place it below. The model-blended estimate lands at $5.30 — a model fair value differential of 18.5% below the current price under these model assumptions. The larger group places fair value below the current price.

Models: FV above price
3
Models: FV below price
5
Models compared
8

Each method (DCF, Graham Number, EPV, Three-Stage DCF, DDM, Residual Income, Justified Price-to-Book, and more) is weighted by historical sector accuracy. Model-derived and informational only — not investment advice.

CIA fundamental profile

Equity Rank's fundamental strength composite scores CIA at 56.5/100 (C+, Adequate), blending profitability, balance-sheet, and cash-flow quality. Over the trailing three years, free cash flow has compounded at -32.4% per year and gross margin has moved -13.9 pp.

A composite quality metric for research context — not a rating, recommendation, or directional signal.

About CIA

Citizens Inc (CIA) is analyzed on Equity Rank using the S·A·V·E framework: Sentiment, Analyst consensus, Valuation (DCF, Graham, multiples), and Earnings quality. The consensus fair value is a blend of multiple models designed to surface potential mispricings versus current market price.

Equity Rank provides institutional-depth valuation research on 3,000+ US equities. Data is refreshed daily and combines quantitative models with AI-driven qualitative analysis.

Related Stocks in Insurance

JPM · BAC · WFC · GS · MS

Research Tools

Intrinsic Value Calculator · DCF Calculator · Margin of Safety Calculator