CIA (Citizens) ROE % Adjusted to Book Value: 3.61% (As of Mar. 2026)

Citizens CIA -0.51% 62 ROE % Adjusted to Book Value is 3.61% as of Mar. 2026. GuruFocus rates CIA with a GF Score™ of 62/100 and a GF Value™ of $5.11 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Citizens's ROE % for the quarter that ended in Mar. 2026 was 3.83%. Citizens's PB Ratio for the quarter that ended in Mar. 2026 was 1.06. Citizens's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 3.61%.

Citizens ROE % Adjusted to Book Value Related Terms

Citizens ROE % Adjusted to Book Value Historical Data

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The historical data trend for Citizens's ROE % Adjusted to Book Value can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens ROE % Adjusted to Book Value Chart

Citizens Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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28.19

13.98

12.50

11.37

6.36

Citizens Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															-2.91	15.01	3.63	12.38	3.61

CIA vs SNFCA, KCLI, UTGN: ROE % Adjusted to Book Value Comparison

For the Insurance - Life subindustry, Citizens's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citizens ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Citizens's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Citizens's ROE % Adjusted to Book Value falls into.

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62GF Score

Citizens Inc CIA

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Citizens ROE % Adjusted to Book Value Calculation

Citizens's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	6.55%	/	1.03
	=	6.36%

Citizens's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	3.83%	/	1.06
	=	3.61%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 3.61% mean?

Citizens (CIA) has a ROE % Adjusted to Book Value of 3.61% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens and its competitors.

Is Citizens' ROE % Adjusted to Book Value too high?

Citizens' current ROE % Adjusted to Book Value is 3.61%. Overall, Citizens has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Citizens' ROE % Adjusted to Book Value compare to SNFCA and KCLI?

Citizens' ROE % Adjusted to Book Value of 3.61% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for an Insurance company?

A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Citizens and its competitors. Citizens's current ROE % Adjusted to Book Value is 3.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Citizens stock overvalued right now?

Based on GuruFocus' analysis, Citizens (CIA) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.11, compared to a current price of $5.86 — trading 14.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 3.61%. Citizens' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Citizens (CIA), the current ROE % Adjusted to Book Value is 3.61% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens (CIA) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens stock appears to be overvalued. The current stock price of $5.86 is trading 14.7% above its estimated GF Value™ of $5.11. GuruFocus considers Citizens to be Modestly Overvalued.

Key valuation signals for CIA:

ROE % Adjusted to Book Value: 3.61%
GF Value™: $5.11 vs. price of $5.86 (14.7% above fair value)
GF Score™: 62/100 with 3 warning signs

No single metric tells the full story. See the CIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Business Description

Industry Financial Services Insurance

Comparable Companies SNFCA KCLI UTGN AAME ABX SHSE:601318 SHSE:601628 HKSE:01299 TSX:MFC AFL BOM:543526 MET TSX:GWO TPE:2881 XKRX:032830 SHSE:601601 TPE:2882 TSX:POW TSE:8750 LSE:PRU

Address 11815 Alterra Parkway, Suite 1500, Austin, TX, USA, 78758

Website https://www.citizensinc.com

Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Domestic Insurance and International Insurance segments.. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.

62GF Score

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$5.86

Price

$5.11

GF Value

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