Citizens Inc (CIA)

$2.8

+0.05

(+1.82%)

Market is closed - opens 7 PM, 24 Jul 2024

Performance

  • $2.70
    $2.97
    $2.80
    downward going graph

    3.57%

    Downside

    Day's Volatility :9.09%

    Upside

    5.72%

    downward going graph
  • $1.78
    $3.69
    $2.80
    downward going graph

    36.43%

    Downside

    52 Weeks Volatility :51.76%

    Upside

    24.12%

    downward going graph

Returns

PeriodCitizens IncSector (Financials)Index (Russel 2000)
3 Months
33.33%
5.0%
0.0%
6 Months
5.66%
12.7%
0.0%
1 Year
7.28%
21.3%
0.0%
3 Years
-49.09%
19.1%
-19.9%

Highlights

Market Capitalization
139.0M
Book Value
$3.94
Earnings Per Share (EPS)
0.47
PE Ratio
5.96
PEG Ratio
0.0
Wall Street Target Price
3.85
Profit Margin
9.94%
Operating Margin TTM
8.53%
Return On Assets TTM
0.92%
Return On Equity TTM
13.8%
Revenue TTM
242.5M
Revenue Per Share TTM
4.89
Quarterly Revenue Growth YOY
3.2%
Gross Profit TTM
39.1M
EBITDA
24.9M
Diluted Eps TTM
0.47
Quarterly Earnings Growth YOY
-0.08
EPS Estimate Current Year
0.31
EPS Estimate Next Year
0.43
EPS Estimate Current Quarter
0.0
EPS Estimate Next Quarter
0.0

Analyst Recommendation

Analyst Forecast

What analysts predicted

Upside of 37.5%

Current $2.80
Target $3.85

Company Financials

FY18Y/Y Change
Revenue
244.0M
↓ 3.41%
Net Income
-11.1M
↓ 70.99%
Net Profit Margin
-4.53%
↑ 10.56%
FY19Y/Y Change
Revenue
250.5M
↑ 2.68%
Net Income
-1.4M
↓ 87.62%
Net Profit Margin
-0.55%
↑ 3.98%
FY20Y/Y Change
Revenue
238.9M
↓ 4.67%
Net Income
-11.0M
↑ 702.04%
Net Profit Margin
-4.6%
↓ 4.05%
FY21Y/Y Change
Revenue
250.5M
↑ 4.89%
Net Income
-50.2M
↑ 356.53%
Net Profit Margin
-20.02%
↓ 15.42%
FY22Y/Y Change
Revenue
232.5M
↓ 7.19%
Net Income
-7.5M
↓ 85.06%
Net Profit Margin
-3.22%
↑ 16.8%
FY23Y/Y Change
Revenue
240.7M
↑ 3.51%
Net Income
24.4M
↓ 426.0%
Net Profit Margin
10.15%
↑ 13.37%
Q4 FY22Q/Q Change
Revenue
67.3M
↑ 19.73%
Net Income
1.3M
↓ 124.79%
Net Profit Margin
1.89%
↑ 11.02%
Q1 FY23Q/Q Change
Revenue
55.9M
↓ 16.87%
Net Income
4.9M
↑ 283.02%
Net Profit Margin
8.71%
↑ 6.82%
Q2 FY23Q/Q Change
Revenue
58.5M
↑ 4.67%
Net Income
6.1M
↑ 25.74%
Net Profit Margin
10.47%
↑ 1.76%
Q3 FY23Q/Q Change
Revenue
59.4M
↑ 1.47%
Net Income
2.7M
↓ 55.96%
Net Profit Margin
4.54%
↓ 5.93%
Q4 FY23Q/Q Change
Revenue
66.8M
↑ 12.56%
Net Income
10.7M
↑ 298.11%
Net Profit Margin
16.07%
↑ 11.53%
Q1 FY24Q/Q Change
Revenue
57.7M
↓ 13.67%
Net Income
4.5M
↓ 57.71%
Net Profit Margin
7.87%
↓ 8.2%
FY18Y/Y Change
Total Assets
1.6B
↓ 1.76%
Total Liabilities
1.4B
↑ 0.48%
FY19Y/Y Change
Total Assets
1.7B
↑ 8.01%
Total Liabilities
1.5B
↑ 4.01%
FY20Y/Y Change
Total Assets
1.8B
↑ 5.64%
Total Liabilities
1.5B
↑ 3.86%
FY21Y/Y Change
Total Assets
1.9B
↑ 0.6%
Total Liabilities
1.5B
↓ 0.55%
FY22Y/Y Change
Total Assets
1.6B
↓ 15.34%
Total Liabilities
1.6B
↑ 2.28%
FY23Y/Y Change
Total Assets
1.7B
↑ 6.05%
Total Liabilities
1.5B
↓ 4.85%
Q4 FY22Q/Q Change
Total Assets
1.6B
↑ 1.88%
Total Liabilities
1.6B
↑ 0.88%
Q1 FY23Q/Q Change
Total Assets
1.6B
↑ 4.36%
Total Liabilities
1.5B
↓ 5.4%
Q2 FY23Q/Q Change
Total Assets
1.6B
↓ 0.88%
Total Liabilities
1.5B
↓ 0.47%
Q3 FY23Q/Q Change
Total Assets
1.6B
↓ 3.65%
Total Liabilities
1.4B
↓ 4.42%
Q4 FY23Q/Q Change
Total Assets
1.7B
↑ 6.41%
Total Liabilities
1.5B
↑ 5.73%
Q1 FY24Q/Q Change
Total Assets
1.7B
↓ 0.21%
Total Liabilities
1.5B
↓ 1.78%
FY18Y/Y Change
Operating Cash Flow
84.6M
↓ 9.02%
Investing Cash Flow
-85.1M
↑ 0.15%
Financing Cash Flow
-58.0K
↓ 102.28%
FY19Y/Y Change
Operating Cash Flow
72.2M
↓ 14.65%
Investing Cash Flow
-69.3M
↓ 18.55%
Financing Cash Flow
-2.2M
↑ 3632.76%
FY20Y/Y Change
Operating Cash Flow
48.8M
↓ 32.38%
Investing Cash Flow
-61.8M
↓ 10.86%
Financing Cash Flow
904.0K
↓ 141.76%
FY21Y/Y Change
Operating Cash Flow
40.5M
↓ 17.16%
Investing Cash Flow
-41.1M
↓ 33.55%
Financing Cash Flow
-6.2M
↓ 787.5%
FY22Y/Y Change
Operating Cash Flow
56.9M
↑ 40.7%
Investing Cash Flow
-60.7M
↑ 47.87%
Financing Cash Flow
-499.0K
↓ 91.97%
Q4 FY22Q/Q Change
Operating Cash Flow
17.2M
↓ 1.49%
Investing Cash Flow
-14.6M
↓ 19.85%
Financing Cash Flow
-586.0K
↓ 1.18%
Q1 FY23Q/Q Change
Operating Cash Flow
7.4M
↓ 57.14%
Investing Cash Flow
-11.0M
↓ 24.51%
Financing Cash Flow
-377.0K
↓ 35.67%
Q2 FY23Q/Q Change
Operating Cash Flow
4.8M
↓ 34.13%
Investing Cash Flow
-885.0K
↓ 91.97%
Financing Cash Flow
-2.0M
↑ 422.28%
Q3 FY23Q/Q Change
Operating Cash Flow
3.2M
↓ 32.99%
Investing Cash Flow
-18.5M
↑ 1987.12%
Financing Cash Flow
-815.0K
↓ 58.61%

Technicals Summary

Sell

Neutral

Buy

Citizens Inc is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens Inc
Citizens Inc
-3.78%
5.66%
7.28%
-49.09%
-63.64%
Manulife Financial Corporation
Manulife Financial Corporation
-0.15%
20.91%
32.83%
36.5%
40.31%
Metlife, Inc.
Metlife, Inc.
4.26%
7.91%
21.31%
29.53%
49.28%
Aflac Inc.
Aflac Inc.
4.3%
10.96%
30.17%
75.64%
74.93%
Prudential Plc
Prudential Plc
-7.23%
-15.67%
-33.74%
-52.75%
-58.83%
Prudential Financial, Inc.
Prudential Financial, Inc.
4.42%
18.74%
28.92%
23.52%
21.34%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens Inc
Citizens Inc
5.96
5.96
0.0
0.31
0.14
0.01
NA
3.94
Manulife Financial Corporation
Manulife Financial Corporation
15.52
15.52
1.03
2.7
0.1
0.01
0.04
25.58
Metlife, Inc.
Metlife, Inc.
26.03
26.03
0.11
8.68
0.08
0.0
0.03
39.87
Aflac Inc.
Aflac Inc.
10.4
10.4
0.93
6.45
0.25
0.03
0.02
41.27
Prudential Plc
Prudential Plc
14.56
14.56
0.39
1.25
0.1
0.01
0.02
6.5
Prudential Financial, Inc.
Prudential Financial, Inc.
21.01
21.01
0.43
13.5
0.07
0.0
0.04
75.78
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens Inc
Citizens Inc
NA
$139.0M
-63.64%
5.96
9.94%
Manulife Financial Corporation
Manulife Financial Corporation
Buy
$47.1B
40.31%
15.52
18.29%
Metlife, Inc.
Metlife, Inc.
Buy
$53.5B
49.28%
26.03
3.5%
Aflac Inc.
Aflac Inc.
Hold
$53.7B
74.93%
10.4
27.67%
Prudential Plc
Prudential Plc
Buy
$24.7B
-58.83%
14.56
15.41%
Prudential Financial, Inc.
Prudential Financial, Inc.
Hold
$44.7B
21.34%
21.01
3.58%

Insights on Citizens Inc

  • Decreasing Revenue

    Revenue is down for the last 2 quarters, 66.84M → 57.71M (in $), with an average decrease of 13.7% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 2 quarters, 10.74M → 4.54M (in $), with an average decrease of 57.7% per quarter

  • Vs MFC

    In the last 1 year, Manulife Financial Corporation has given 32.8% return, outperforming this stock by 25.5%

  • Vs AFL

    In the last 3 years, Aflac Inc. has given 37.3% return, outperforming this stock by 85.8%

Institutional Holdings

  • Vanguard Group Inc

    4.25%
  • BlackRock Inc

    1.65%
  • Dimensional Fund Advisors, Inc.

    0.93%
  • Geode Capital Management, LLC

    0.88%
  • Bridgeway Capital Management, LLC

    0.82%
  • Susquehanna International Group, LLP

    0.78%

Company Information

citizens, inc. (nyse: cia) is a insurance holding company serving the life insurance needs of individuals in the united states since 1969 and internationally since 1975. citizens operates through its insurance subsidiaries: cica life insurance company of america (“cica life”), citizens national life insurance company (“cnlic”), security plan life insurance company (“splic”) and security plan fire insurance company (“spfic”).

Organization
Citizens Inc
Employees
232
CEO
Mr. Gerald W. Shields
Industry
Finance

FAQs