InsidersTradesSigma
Follow the Citizens, INC. share price and the full directors' dealings record of the company, a publicly traded company based in United States. Shares trade on the US market, under the oversight of SEC (Form 4). Operating in the Banks sector, Citizens, INC. has published 219 public disclosures. Market capitalisation: €201.1m. The latest transaction was reported on 1 September 2026 (L). Among the most active insiders: Stenberg Jon. The full history is free.
219
Insider Decl.
n/a
Thresholds
€1m
31 ops.
Buy Volume
€38,572
1 ops.
Sell Volume
Analyst consensus: bullish or bearish?
Analysts rate Citizens, INC. Strong Buy (bullish), based on 1 analysts. Average price target: US$5.00.
45Σ signal
This score ranks the purchase within its own market. No market currently meets the historical allocation criteria, so signals remain watch-only. Not investment advice.
Fundamental score
Ranked 11,689 of 29,063 companies
56.8
score / 100
Value65
Quality49
FCF yld8.7%
Earn yld6.2%
EV/EBITDA13.5x
ROE5.0%
Gross mgn·
Net mgn5.7%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Sigma AI Analysis
Fundamental view, insider signal, bull and bear case, synthesis.
AI analysis generation is paused.
Last declaration on 1 September 2026
Declarations219 total
167.599 shares@ US$5.94Citizens, Inc. Class A Common StockSEC:0002097014-26-000004:0
209.41 shares@ US$4.75Citizens, Inc. Class A Common StockSEC:0002097014-26-000004:1
255.518 shares@ US$3.88Citizens, Inc. Class A Common StockSEC:0002097014-26-000004:2
10,000 shares@ US$3.80Citizens, Inc. Class A Common StockSEC:0002097014-26-000004:3
Canonical exit: 29 Nov 2026 (T+90)
2,709 sharesCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:5
2,626 sharesCitizens, Inc. Class A Common StockSEC:0002015584-26-000008:0
640 shares@ US$3.970.0013% mcap15.4% of flowCitizens, Inc. Class A Common StockSEC:0002015584-26-000008:1
183.602 shares@ US$5.424.1% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:0
181.407 shares@ US$5.484.1% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:1
190.049 shares@ US$5.230.0005% mcap4.1% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:2
167.599 shares@ US$5.940.0005% mcap4.2% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:3
209.41 shares@ US$4.750.0005% mcap4.1% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:4
796 shares@ US$3.970.0016% mcap13.1% of flowCitizens, Inc. Class A Common StockSEC:0002051485-26-000008:6
91.8 shares@ US$5.422.1% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:0
95.024 shares@ US$5.230.0002% mcap2.1% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:2
83.799 shares@ US$5.940.0003% mcap2.2% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:3
104.704 shares@ US$4.750.0003% mcap2.2% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:4
5,376 shares@ US$3.830.010% mcap89.3% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:5
Canonical exit: 9 Nov 2026 (T+90)
90.703 shares@ US$5.482.1% of flowCitizens, Inc. Class A Common StockSEC:0002120865-26-000007:1
12,000 shares@ US$3.64960.023% mcap3.9% of flowCitizens, Inc. Class A Common StockSEC:0002015793-26-000014:0
Canonical exit: 9 Nov 2026 (T+90)
50,000 shares@ US$3.99260.10% mcap18.5% of flowCitizens, Inc. Class A Common StockSEC:0002015793-26-000012:0
Canonical exit: 8 Nov 2026 (T+90)
10,697 shares0Citizens, Inc. Class A Common StockSEC:0002015584-26-000006:0
12,012 sharesCitizens, Inc. Class A Common StockSEC:0001607890-26-000002:0
88.77 shares@ US$5.6013.9% of flowCitizens, Inc. Class A Common StockSEC:0001877855-26-000004:1
90.703 shares@ US$5.480.0002% mcap14.0% of flowCitizens, Inc. Class A Common StockSEC:0001877855-26-000004:3
25 of 219 declarations
关于 Citizens, INC.
Citizens, Inc. (NYSE: CIA) 是一家总部位于德克萨斯州奥斯汀的美国上市保险控股公司。该公司在科罗拉多州注册成立，自1969年起在美国开展人寿保险业务，自1975年起在国际上开展业务。对于投资者而言，Citizens 最好被理解为一家专业保险公司，而非一家广泛多元化的金融集团：它专注于美国和海外有针对性的保障产品和利基分销渠道。([sec.gov](https://www.sec.gov/Archives/edgar/data/24090/000002409025000018/cia-20241231.htm?utm_source=openai)) 根据其年度申报文件，该公司通过两个主要业务部门运营：国内人寿保险和家庭服务保险。其核心产品围绕旨在满足生命保障需求、生前利益和最终费用保障的传统保险产品。Citizens 强调，它寻求在利基市场中获得竞争优势，在这些市场中，它可以利用产品设计、定价、承保和代理关系。其国内子公司在美国43个州获得许可，而其国际子公司服务于近80个国家的居民，这使得该集团对于其规模的公司而言，拥有相对广泛的地理足迹。([sec.gov](https://www.sec.gov/Archives/edgar/data/24090/000002409025000018/cia-20241231.htm?utm_source=openai)) 从竞争角度来看，Citizens 并非作为规模领导者与美国最大的人寿保险公司竞争。相反，它扮演着更专业的角色，拥有较小的资产负债表，但具有差异化的分销模式和悠久的运营历史。该公司将其战略描述为专注于增加首年保费收入，扩大在现有和新服务国家的渗透率，推出新产品或重大产品增强，以及改进代理/客户服务平台以提高效率。这种定位表明这是一种稳步建设模式，而非高增长、收购主导的故事。([citizensinc.com](https://www.citizensinc.com/wp-content/uploads/2026/03/CIA-Q4-2025-Results-PR-Final-03.12.26.pdf?utm_source=openai)) 近期公司披露的信息表明运营势头持续。Citizens 强调，截至2025年9月30日，其在保直接保险额达到创纪录的5.38 billion美元，同比增长，同时围绕产品和平台效率持续推进增长计划。其2025年的沟通还提及了管理层向投资者进行的演示以及战略路线图的持续执行。对于跟踪SEC Form 4内部人交易活动的分析师而言，关键在于 Citizens 是一家拥有悠久历史、美国总部、在美国纽约证券交易所上市的利基人寿保险公司，其商业模式由严谨的承保、产品开发和渐进式地理扩张驱动。([citizensinc.com](https://www.citizensinc.com/investors/?utm_source=openai))
