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Citizens Inc. ($1.00 Par) (Class A) (CIA) — RQD Stock Rating Cockpit

$3.62 -6.22% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.57

Citizens Inc. ($1.00 Par) (Class A) (CIA) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $195.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CIA Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CIA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Citizens Inc. ($1.00 Par) (Class A) (NYSE: CIA) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $3.62 (-6.22% 1D, market cap $195.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CIA ranks #681 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CIA compare to AAME and BHF in the Financials sector?

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Within the Financials sector (Life Insurance), CIA carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, AAME (Atlantic American Corporation) holds a D grade (47/100 RQD, P/E 3.8x, ROIC 3.8%, cap $23.0M) and BHF (Brighthouse Financial Inc.) posts a D+ grade (52/100 RQD, P/E 7.5x, ROIC 4.9%, cap $2.47B). Among the 5-stock peer group, AAME leads on earnings multiple (3.8x) while FG leads on capital efficiency (5.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CIA?

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Per CIA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000024090), Citizens Inc. ($1.00 Par) (Class A) generated $255.6M in revenue (+4.3% YoY), $0 in net income, and $17.5M in free cash flow against $1.75B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.57 (-1.31%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 6.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CIA)Realized 20D OHLCV Swing Band: ±9.3%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY CIA SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+12/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 60% Net Buy • Cannibal Buyback (-1.24% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 6.9% FCF Margin ($17.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$3.50-1.4% Next Q

Q2 (-2Q)

Grade D$3.45+2.9% Next Q

Q3 (-1Q)

Grade D$3.55+2% Next Q

Current

Grade D$3.62-1.4% Hist 90D α

Trajectory: D (42) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CIA Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CIA currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.64) and Max Pain ($3.80) forces dealer call-delta covering toward $6.87.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CIA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CIA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

59.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE10% OF RANGE

L: $3$3.62H: $7

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on CIA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

14.0% ROIC with 42.0% gross margin and 8.97% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (48)

20/40 institutional & smart-money positioning score with 9/20 macro alignment.

Bull Case: Why Buyers Like CIA

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CIA)

✓Walkthrough of CIA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

CIA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -31.31%⚡ TESTING RESISTANCE

2026-11-02O $3.80H $3.86L $3.62C $3.62VOL 120.8K

RES: $3.88SUP: $3.24SMA50: $3.64SMA200: $4.85

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CIA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CIA Butterfly Map → + Track CIA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +4.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CIA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CIA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CIA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CIA)

Financials Rank #681 of 1096 ⚔️ AAME vs CIA Full Matrix →

1. Head-to-Head Financials Peer Comparison (CIA vs. AAME, BHF, FG, GNW)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Citizens Inc. ($1.00 Par) (Class A) (CIA) ranks #681 by composite RQD confidence (50/100, grade D) and #887 by equity capitalization ($195.5M). Within this direct 5-issuer industry benchmark cohort, AAME leads on earnings valuation at 3.8x trailing P/E, while FG leads on capital efficiency and profitability with 5.2% ROIC and — gross margin. BHF currently holds the highest overall quantitative score in the immediate peer group at 52/100 (D+) compared with CIA at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CIA ACTIVE Citizens Inc. ($1.00 Par) (Class A)	D	50/100	—	—	—	-6.22%	$195.5M	Benchmark Subject
AAME Atlantic American Corporation	D	47/100	3.8x	—	3.8%	-5.31%	$23.0M	/aame-vs-cia →
BHF Brighthouse Financial Inc.	D+	52/100	7.5x	—	4.9%	+2.19%	$2.47B	/bhf-vs-cia →
FG F&G Annuities & Life Inc.	D	47/100	11.1x	—	5.2%	+0.38%	$2.76B	/fg-vs-cia →
GNW Genworth Financial Inc	D+	52/100	15.3x	—	2.5%	-2.77%	$3.41B	/gnw-vs-cia →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000024090

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens Inc. ($1.00 Par) (Class A) (CIA) reported GAAP revenue of $255.6M (+4.3% vs. FY2024 revenue of $245.0M , and +6.2% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $18.0M, and free cash flow of $17.5M (-43.9% YoY). On the balance sheet, CIA closed FY2025 with $1.75B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$255.6M	$0	$18.0M	$17.5M	$1.75B	—
FY2024 (FY)	2024-12-31	$245.0M	$0	$31.9M	$31.3M	$1.69B	—
FY2023 (FY)	2023-12-31	$240.7M	$0	$22.1M	$22.1M	—	—

3. CIA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CIA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CIA compare to AAME and BHF in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CIA?

Where is CIA trading relative to its 50-day, 200-day, and 52-week technical levels?

CIA last traded at $3.62 (-6.22% on volume of 203,996 shares), positioning the stock -0.55% below its 50-day simple moving average ($3.64) and -25.36% below its 200-day simple moving average ($4.85). Across its 52-week range of $3.31 to $6.54, CIA sits at the 9.6% percentile with a 14-day RSI of 59.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.3% ($3.28 to $3.96).

CIA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CIA stock right now?

Citizens Inc. ($1.00 Par) (Class A) (CIA) currently earns a Roarable Rating of D (Sell — SELL) with 50/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is CIA's 12-month price target and RQD AI Jury consensus?

CIA's 12-month base price target is $3.49 (range $2.72 to $6.87), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CIA RQD Cockpit CIA 12M Forecast CIA Earnings & Move CIA Dividends & DRIP CIA Insiders & 13F CIA Whale Options CIA Profit Sankey CIA News & Why

ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CIA — Citizens Inc. ($1.00 Par) (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:41:21Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CIA scores 50 out of 100, a D grade, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:

Fundamental Cash Engine: 11 / 20. Per the Roarable RQD rating, ROIC is 0% and FCF yield is 8.97%. The cash yield is the main positive in this pillar; the zero ROIC offsets it.
Whale 13F Flow: 8 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. Its score is weak, implying limited institutional support in the source data.
Insider Conviction: 12 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the strongest pillar but still below half-credit.
Macro Regime Fit: 9 / 20. Per the Roarable RQD rating, beta is 1.0 and sector sensitivity is noted. The score suggests the stock does not screen as well-positioned for the macro regime described.
Forensic Balance Sheet: 10 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 3/9, and Debt/Equity is 0.5. These are mixed readings; the Z-score and leverage are moderate, while the Piotroski score is weak.

For a prospective investor evaluating the stock today, the RQD profile points to a cash-generative business with no reported ROIC and weak institutional and macro-fit support. The score is a relative screen within the Roarable framework and does not describe valuation or future returns.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$255.6M	$0.0M	$0.0M	N/A	$17.5M	$23.0M	N/A
FY 2024	$245.0M	$0.0M	$0.0M	N/A	$31.3M	$29.3M	N/A
FY 2023	$240.7M	$0.0M	$0.0M	N/A	$22.1M	N/A	N/A

Per the SEC financials, revenue rose from $240.7M in FY 2023 to $255.6M in FY 2025, while reported net income and operating income are $0.0M in each period. Per the Roarable RQD rating, ROIC is 0%, and per the market data, gross, operating, and net margins are each 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 3/9. Per the SEC financials, FCF declined from $31.3M in FY 2024 to $17.5M in FY 2025, and per the Roarable RQD rating, Debt/Equity is 0.5.

Open Questions

What are the reported net income and EPS figures, given that the source shows $0.0M net income and N/A EPS across all periods?
What drove the decline in FCF from $31.3M in FY 2024 to $17.5M in FY 2025?
What is the reported debt balance, given that debt is N/A in all periods?
What products and customers generate the $255.6M in FY 2025 revenue?
Who are the institutional and insider holders behind the RQD whale and insider pillar scores?

CIA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Citizens Inc. ($1.00 Par) (Class A) (CIA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CIA Debate Forum (3) ↓

🟢 CATALYST Yahoo • 12d ago

Citizens Eyes Global Growth With Tech Overhaul and Expanded Life Insurance Products

Citizens (NYSE:CIA) is positioning its life insurance business for growth through expansion in domestic final expense coverage, international U.S.-dollar-denominated policies and a planned modernization of its technology

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 18d ago

Citizens, Inc. to Participate at LD Micro Annual Main Event Conference on October 20, 2026

Austin, Texas--(Newsfile Corp. - October 14, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced manage

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 27d ago

Citizens, Inc. Chief Actuary Seth Hoxworth Appointed Chief Risk Officer

Austin, Texas--(Newsfile Corp. - October 6, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced that Se

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 87d ago

Citizens, Inc. Reports Second Quarter 2026 Financial Results

Austin, Texas--(Newsfile Corp. - August 6, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results f

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 145d ago

Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026

Austin, Texas--(Newsfile Corp. - June 9, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced management

Read Full Source ↗

🔴 RISK WATCH But Analysts Have Updated Their Models • 175d ago

Citizens, Inc. Just Missed Earnings

As you might know, Citizens, Inc. ( NYSE:CIA ) last week released its latest quarterly, and things did not turn out so...

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 178d ago

Citizens, Inc. Reports First Quarter 2026 Financial Results

Total revenues of $59.7 million in Q1 2026, up 7% from $55.7 million in Q1 2025. Adjusted total revenues of $58.7 million, from $58.5 million in Q1 2025.Net income of $2.3 million in Q1 2026, from $1.6 million loss in Q1

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 25d ago

New Strong Sell Stocks for October 8th

AVNW, CYD and CIA have been added to the Zacks Rank #5 (Strong Sell) List on October 8th, 2026.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CIA Bull vs. Bear Conversation Board — What's Your Call at $3.62?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CIA 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $4.17 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CIA (D • RQD 50/100) a Buy at $3.86?

Welcome to the CIA (Citizens Inc. ($1.00 Par) (Class A)) Roar Pit. Current RQD Composite is 50/100 (Roarable Sell — Underperform / Distribution Warning) in Life Insurance. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.20 (-17.1%)

Spot @ $3.86

Pump the brakes on CIA — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CIA, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Citizens Inc. ($1.00 Par) (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $4.63 (+19.9%)

Spot @ $3.86

CIA cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CIA, the market is fixating on short-term headline noise in Life Insurance and ignoring the balance sheet and cash flow trajectory. At $3.86 (52-wk range $3.31 - $6.54), any beat on forward guidance forces shorts and underweight funds to chase.