Citizens Inc (CIA)

$4.76

-1.1

(-18.77%)▲

Live

Performance

  • $4.71
    $5.62
    $4.76
    downward going graph

    1.05%

    Downside

    Day's Volatility :16.19%

    Upside

    15.3%

    downward going graph
  • $1.78
    $5.95
    $4.76
    downward going graph

    62.61%

    Downside

    52 Weeks Volatility :70.06%

    Upside

    19.93%

    downward going graph

Returns

PeriodCitizens IncSector (Financials)Index (Russel 2000)
3 Months
113.09%
11.1%
0.0%
6 Months
190.1%
17.9%
0.0%
1 Year
85.44%
47.9%
0.0%
3 Years
-8.72%
18.9%
-23.0%

Highlights

Market Capitalization
292.2M
Book Value
$3.85
Earnings Per Share (EPS)
0.43
PE Ratio
13.63
PEG Ratio
0.0
Wall Street Target Price
5.23
Profit Margin
8.92%
Operating Margin TTM
5.32%
Return On Assets TTM
0.82%
Return On Equity TTM
12.97%
Revenue TTM
246.0M
Revenue Per Share TTM
4.96
Quarterly Revenue Growth YOY
6.1%
Gross Profit TTM
39.1M
EBITDA
22.2M
Diluted Eps TTM
0.43
Quarterly Earnings Growth YOY
-0.33
EPS Estimate Current Year
0.34
EPS Estimate Next Year
0.43
EPS Estimate Current Quarter
0.06
EPS Estimate Next Quarter
0.07

Analyst Recommendation

Analyst Forecast

What analysts predicted

Upside of 9.87%

Current $4.76
Target $5.23

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%
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%
Q2 FY24Q/Q Change
Revenue
62.1M
↑ 7.58%
Net Income
4.0M
↓ 12.84%
Net Profit Margin
6.38%
↓ 1.49%
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%
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%
Q2 FY24Q/Q Change
Total Assets
1.7B
↓ 0.25%
Total Liabilities
1.5B
↓ 0.03%
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%
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 not in a favorable trading position ( SELL ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens Inc
Citizens Inc
69.36%
190.1%
85.44%
-8.72%
-17.7%
Manulife Financial Corporation
Manulife Financial Corporation
5.72%
29.97%
74.13%
50.64%
62.7%
Metlife, Inc.
Metlife, Inc.
4.74%
18.57%
45.87%
29.65%
83.33%
Aflac Inc.
Aflac Inc.
4.07%
37.09%
48.39%
104.03%
116.45%
Prudential Plc
Prudential Plc
2.68%
-4.39%
-12.97%
-56.66%
-56.36%
Prudential Financial, Inc.
Prudential Financial, Inc.
5.47%
14.29%
42.62%
12.47%
40.18%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens Inc
Citizens Inc
13.63
13.63
0.0
0.34
0.13
0.01
NA
3.85
Manulife Financial Corporation
Manulife Financial Corporation
17.98
17.98
1.01
2.69
0.1
0.01
0.04
26.24
Metlife, Inc.
Metlife, Inc.
23.29
23.29
0.15
8.6
0.1
0.0
0.03
38.72
Aflac Inc.
Aflac Inc.
12.07
12.07
0.93
6.76
0.24
0.03
0.02
46.4
Prudential Plc
Prudential Plc
26.72
26.72
0.4
0.93
0.05
0.01
0.02
5.9
Prudential Financial, Inc.
Prudential Financial, Inc.
16.25
16.25
0.54
13.34
0.1
0.0
0.04
78.32
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens Inc
Citizens Inc
NA
$292.2M
-17.7%
13.63
8.92%
Manulife Financial Corporation
Manulife Financial Corporation
Buy
$54.1B
62.7%
17.98
17.34%
Metlife, Inc.
Metlife, Inc.
Buy
$60.0B
83.33%
23.29
4.23%
Aflac Inc.
Aflac Inc.
Hold
$64.1B
116.45%
12.07
28.34%
Prudential Plc
Prudential Plc
Buy
$23.0B
-56.36%
26.72
8.01%
Prudential Financial, Inc.
Prudential Financial, Inc.
Hold
$45.5B
40.18%
16.25
4.61%

Insights on Citizens Inc

  • Increasing Revenue

    Revenue is up for the last 2 quarters, 57.71M → 62.08M (in $), with an average increase of 7.0% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 3 quarters, 10.74M → 3.95M (in $), with an average decrease of 35.3% per quarter

  • Vs AFL

    In the last 3 years, Aflac Inc. has given 50.6% return, outperforming this stock by 59.3%

Institutional Holdings

  • Vanguard Group Inc

    4.23%

  • BlackRock Inc

    1.65%

  • Geode Capital Management, LLC

    0.90%

  • Arnhold & S. Bleichroeder Advisers, LLC

    0.84%

  • Bridgeway Capital Management, LLC

    0.84%

  • Dimensional Fund Advisors, Inc.

    0.60%

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

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