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CIA Quote, Financials, Valuation and Earnings
Last price:
$5.34
Seasonality move
:
-5.84%
Day range:
$5.23 - $5.44
52-week range:
$2.90 - $6.36
Dividend yield:
0%
P/E ratio:
24.99x
P/S ratio:
1.09x
P/B ratio:
1.19x
Volume:
46.8K
Avg. volume:
104.9K
1-year change:
20.27%
Market cap:
$268.6M
Revenue:
$245M
EPS (TTM):
$0.21
Analysts' Opinion
-
Consensus RatingNo consensus rating exists at this time due to lack of analyst coverage.
-
Price Target DownsideNo price target exists because of limited analyst coverage.
-
Price Target UpsideSimilarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.
Fair Value
-
According to the consensus of 0 analysts, Citizens, Inc. (Austin, Texas) has -6.37% downside to fair value with a price target of $5.00 per share.
CIA vs. S&P 500
-
Over the past 5 trading days, Citizens, Inc. (Austin, Texas) has underperformed the S&P 500 by -10.66% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Citizens, Inc. (Austin, Texas) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Citizens, Inc. (Austin, Texas) has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Citizens, Inc. (Austin, Texas) reported revenues of $62.8M.
Earnings Growth
-
Citizens, Inc. (Austin, Texas) earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens, Inc. (Austin, Texas) reported earnings per share of $0.05.
Enterprise value:
268.6M
EV / Invested capital:
1.19x
Price / LTM sales:
1.09x
EV / EBIT:
20.16x
EV / Revenue:
1.09x
PEG ratio (5yr expected):
0.41x
EV / Free cash flow:
13.94x
Price / Operating cash flow:
14.02x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.64%
Net Income Margin (TTM):
4.4%
Return On Equity:
4.99%
Return On Invested Capital:
4.95%
Operating Margin:
7.13%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $241.1M | $248.4M | $247M | $61.7M | $62.8M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $28.8M | $20M | $13.3M | $3M | $4.5M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $0.55 | $0.44 | $0.21 | $0.06 | $0.05 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $97.2M | $71.7M | $58.1M | $73.4M | $95.7M | |
| Total Assets | $1.8B | $1.5B | $1.6B | $1.7B | $1.7B | |
| Current Liabilities | $58.3M | $6.7M | $4.5M | $5.8M | $3.2M | |
| Total Liabilities | $1.6B | $1.6B | $1.4B | $1.5B | $1.5B | |
| Total Equity | $265M | -$14.2M | $152.7M | $207.6M | $225.6M | |
| Total Debt | -- | -- | -- | -- | -- | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $32.6M | $27.7M | $19.7M | $9.7M | $4.7M | |
| Cash From Investing | -$33.1M | -$9.4M | -$25M | -$3.1M | -$4.5M | |
| Cash From Financing | -$3.7M | -$2.7M | -$4M | -$545K | $307K | |
| Free Cash Flow | $32.3M | $27M | $19.3M | $9.3M | $4.6M | |
CIA
Sector
Market Cap
$268.6M
$555.9M
Price % of 52-Week High
83.96%
89.84%
Dividend Yield
0%
1.65%
Shareholder Yield
--
3.16%
1-Year Price Total Return
20.27%
1.51%
Beta (5-Year)
0.364
0.481
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$5.61
200-day SMA
Buy
Level
$4.67
Bollinger Bands (100)
Buy
Level
4.57 - 5.87
Chaikin Money Flow
Buy
Level
29.9M
20-day SMA
Sell
Level
$5.67
Relative Strength Index (RSI14)
Sell
Level
42.38
ADX Line
Sell
Level
15.66
Williams %R
Neutral
Level
-75
50-day SMA
Sell
Level
$5.61
MACD (12, 26)
Sell
Level
-0.05
25-day Aroon Oscillator
Sell
Level
-20
On Balance Volume
Neutral
Level
31.5M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (0.3555)
Sell
CA Score
(Annual)
Level (-2.1383)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (2.9505)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (2)
Sell
Fundamental Score
Level (4)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Citizens, Inc. is a holding company, which engages in the provision of insurance and reinsurance services. It operates through the Life Insurance and Home Service Insurance segments. The Life Insurance segment primarily issues ordinary whole life insurance and endowment policies in U.S. dollar-denominated amounts to foreign residents. The Home Service Insurance segment focuses on the life insurance needs of the middle- and lower-income markets. The company was founded by Harold Eugene Riley in 1969 and is headquartered in Austin, TX.
Stock Forecast FAQ
In the current month, CIA has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CIA average analyst price target in the past 3 months is $5.00.
-
Where Will Citizens, Inc. (Austin, Texas) Stock Be In 1 Year?
According to analysts, the consensus estimate is that Citizens, Inc. (Austin, Texas) share price will drop to $5.00 per share over the next 12 months.
-
What Do Analysts Say About Citizens, Inc. (Austin, Texas)?
Analysts are divided on their view about Citizens, Inc. (Austin, Texas) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens, Inc. (Austin, Texas) is a Sell and believe this share price will rise from its current level to $5.00.
-
What Is Citizens, Inc. (Austin, Texas)'s Price Target?
The price target for Citizens, Inc. (Austin, Texas) over the next 1-year time period is forecast to be $5.00 according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.
-
Is CIA A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Citizens, Inc. (Austin, Texas) is a --. 0 of 0 analysts rate the stock a -- at this time.
-
How Can I Buy Shares Of CIA?
You can purchase shares of Citizens, Inc. (Austin, Texas) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens, Inc. (Austin, Texas) shares.
-
What Is The Citizens, Inc. (Austin, Texas) Share Price Today?
Citizens, Inc. (Austin, Texas) was last trading at $5.34 per share. This represents the most recent stock quote for Citizens, Inc. (Austin, Texas). Yesterday, Citizens, Inc. (Austin, Texas) closed at $5.34 per share.
-
How To Buy Citizens, Inc. (Austin, Texas) Stock Online?
In order to purchase Citizens, Inc. (Austin, Texas) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
CIA
Sector
P/E ratio
24.99x
11.82x
PEG ratio
0.41x
0.31x
P/B ratio
1.19x
1.08x
Price / LTM sales
1.09x
1.79x
Growth Metrics
CIA
Sector
Revenue growth
1.75%
5.54%
Earnings growth
-14.88%
14.72%
Revenue (5-year growth)
-0.01%
8.86%
Earnings forecast
$0.06
$0.62
Profitability
CIA
Sector
Profitability FY 2024
--
--
Return on invested capital
4.95%
5.04%
Return on assets
0.64%
1.02%
Return on equity
4.99%
9.7%
Earnings Date
Last Earnings Date
Nov
6
Next Earnings Date
Mar
12
Estimated Next Earnings Date
Feb
5
Balance Sheet
CIA
Sector
Total cash
$42.2M
$436.6M
Short term investments
$1.2B
$211.5M
Total assets
$1.7B
$3.1B
Long term debt
--
$84.4M
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