Stock Ratings / Financials / CIA / options

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Citizens Inc. ($1.00 Par) (Class A) (CIA) Options Positioning, Max Pain & Unusual Sweeps

$3.86 +1.58% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.86

Citizens Inc. ($1.00 Par) (Class A) (CIA) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $195.5M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.86 (+0.09%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 6.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

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 C

Each axis scored 0–20

12M PRICE TARGET CONE+0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CIA)Realized 20D OHLCV Swing Band: ±9.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY CIA SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (25% of score)

FRED Regime × Technicals: 17% of 52W Range • RSI-14 at 50.1 (NEUTRAL RANGE)

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

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

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk10/20 pts (-10 pt drag)

Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling

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

Q1 (-3Q)

Grade C-$3.47-0.9% Next Q

Q2 (-2Q)

Grade C-$3.44+4.7% Next Q

Q3 (-1Q)

Grade C$3.60+7.2% Next Q

Current

Grade C-$3.86+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

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

⚔️ Adversarial Opposing Case: Why the CIA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, CIA faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($3.63) or 200D SMA ($4.86) invalidates the momentum regime and cuts Target Base ($3.88) toward Bear Floor ($3.03).

🎲 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 59%NO 41%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±9.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CIA)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CIA.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CIA & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CIA
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CIA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -28.52%▲ RESISTANCE BREAKOUT

2026-10-30O $3.87H $3.87L $3.61C $3.86VOL 204.0K

RES: $3.24SUP: $3.24SMA50: $3.63SMA200: $4.86

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 #578 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 #578 by composite RQD confidence (59/100, grade C-) 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. GNW currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with CIA at 59/100 (C-).

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)	C-	59/100	—	—	—	+1.58%	$195.5M	Benchmark Subject
AAME Atlantic American Corporation	D+	53/100	3.8x	—	3.8%	-0.88%	$23.0M	/aame-vs-cia →
BHF Brighthouse Financial Inc.	C	64/100	7.5x	—	4.9%	-1.89%	$2.47B	/bhf-vs-cia →
FG F&G Annuities & Life Inc.	D+	55/100	11.1x	—	5.2%	+2.18%	$2.76B	/fg-vs-cia →
GNW Genworth Financial Inc	C	65/100	15.3x	—	2.5%	+1.69%	$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?

As of 2026-11-01, Citizens Inc. ($1.00 Par) (Class A) (NYSE: CIA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $3.86 (+1.58% 1D, market cap $195.5M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, CIA ranks #578 in composite RQD confidence.

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

Within the Financials sector (Life Insurance), CIA carries a Roarable C- (59/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, AAME (Atlantic American Corporation) holds a D+ grade (53/100 RQD, P/E 3.8x, ROIC 3.8%, cap $23.0M) and BHF (Brighthouse Financial Inc.) posts a C grade (64/100 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).

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

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: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.

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

CIA last traded at $3.86 (+1.58% on volume of 120,763 shares), positioning the stock +6.34% above its 50-day simple moving average ($3.63) and -20.58% below its 200-day simple moving average ($4.86). Across its 52-week range of $3.31 to $6.54, CIA sits at the 17.0% percentile with a 14-day RSI of 50.1 (NEUTRAL RANGE) and an implied next-earnings move of ±9.4% ($3.50 to $4.22).

CIA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is CIA's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CIA.

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