Financhill
Buy
64

CIA Quote, Financials, Valuation and Earnings

Last price:
$5.10
Seasonality move :
4.67%
Day range:
$4.90 - $5.12
52-week range:
$2.90 - $6.40
Dividend yield:
0%
P/E ratio:
18.05x
P/S ratio:
1.02x
P/B ratio:
1.10x
Volume:
70.5K
Avg. volume:
145.7K
1-year change:
6.03%
Market cap:
$257.5M
Revenue:
$255.6M
EPS (TTM):
$0.28

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Upside
    No price target exists because of limited analyst coverage.
  • Price Target Downside
    Similarly, 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 17.65% upside to fair value with a price target of $6.00 per share.

CIA vs. S&P 500

  • Over the past 5 trading days, Citizens, Inc. (Austin, Texas) has overperformed the S&P 500 by 8.45% suggesting its relative strength compared to the major market average is strong 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 3 quarters straight. In the most recent quarter Citizens, Inc. (Austin, Texas) reported revenues of $72.1M.

Earnings Growth

  • Citizens, Inc. (Austin, Texas) has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Citizens, Inc. (Austin, Texas) reported earnings per share of $0.14.
Enterprise value:
264.4M
EV / Invested capital:
--
Price / LTM sales:
1.02x
EV / EBIT:
15.13x
EV / Revenue:
1.03x
PEG ratio (5yr expected):
0.41x
EV / Free cash flow:
15.07x
Price / Operating cash flow:
14.89x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.85%
Net Income Margin (TTM):
5.71%
Return On Equity:
6.53%
Return On Invested Capital:
6.44%
Operating Margin:
10.91%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $240.7M $245M $255.6M $63.5M $72.1M
Gross Profit -- -- -- -- --
Operating Income $26.2M $15M $17.5M $3.7M $7.9M
EBITDA -- -- -- -- --
Diluted EPS $0.49 $0.30 $0.28 $0.07 $0.14
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $95.8M $53.8M $68.2M $78.7M $81.6M
Total Assets $1.9B $1.6B $1.7B $1.7B $1.7B
Current Liabilities $12.6M $7.3M $7.6M $7.9M $3.7M
Total Liabilities $1.5B $1.5B $1.5B $1.5B $1.5B
Total Equity $320.6M $127.8M $172.1M $210.4M $235M
Total Debt $10.8M -- $9.1M $7.8M $7.9M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Cash Flow Statement
Cash Flow Operations $22.1M $31.9M $18M $10.8M $9.1M
Cash From Investing -$14.5M -$27.2M -$19.7M -$13.8M -$8.5M
Cash From Financing -$3.5M -$2.5M -$4.6M -$98K -$733K
Free Cash Flow $21.6M $31.3M $17.5M $10.7M $9M
CIA
Sector
Market Cap
$257.5M
$544.9M
Price % of 52-Week High
79.64%
86.06%
Dividend Yield
0%
1.93%
Shareholder Yield
-0.65%
2.67%
1-Year Price Total Return
6.03%
7.54%
Beta (5-Year)
0.482
0.429
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $4.78
200-day SMA
Buy
Level $5.08
Bollinger Bands (100)
Sell
Level 4.92 - 5.8
Chaikin Money Flow
Buy
Level 115K
20-day SMA
Buy
Level $4.83
Relative Strength Index (RSI14)
Buy
Level 53.38
ADX Line
Buy
Level 23.3
Williams %R
Sell
Level -16.6667
50-day SMA
Sell
Level $5.36
MACD (12, 26)
Buy
Level 1.11
25-day Aroon Oscillator
Sell
Level -52
On Balance Volume
Neutral
Level 228.3K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3873)
Sell
CA Score (Annual)
Level (-2.0593)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (2.538)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (6)

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 $6.00.

  • 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 rise to $6.00 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 drop from its current level to $6.00.

  • 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 $6.00 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 $5.10 per share. This represents the most recent stock quote for Citizens, Inc. (Austin, Texas). Yesterday, Citizens, Inc. (Austin, Texas) closed at $5.10 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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