CIA logo

Citizens (CIA)

Profile

Full Name

Citizens, Inc.

Ticker Symbol

CIA

Exchange

NYSE

Sector

Financial Services

Industry

Insurance - Life

Country

United States

IPO

December 4, 1980

Indexes

Not included

Website

http://www.citizensinc.com

Employees

247

Key Details

Price

$4.20(+5.00%)

Market cap

$209.61M(Small cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$245.00M(+1.80% YoY)

Annual EPS

$0.29(-39.58% YoY)

PE ratio

14.48

Next earnings date

May 7, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$4.20
CIA price is $4.20

30-Day Relative Volume

0.70
CIA 30-day relative volume is 0.70

Price Performance

Price Most recent change

+5%
CIA price was up +5% on Apr 14, 2025

Price YTD change

+4.74%
CIA price is up +4.74% since January 1st

Price 1-year change

+111.06%
CIA price is up +111.06% year-on-year

Price 3-year change

-1.41%
CIA price is down -1.41% over the past 3 years

Price Range

Price All-time high

$37.82
CIA price is currently -88.89% below its historical high of $37.82

Price 3-year low

$1.64
CIA price is currently +156.10% above its 3-year low

Capitalization

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Market cap

Market cap

$209.61M
CIA market capitalization is $209.61 million

Market cap 3-year change

-2.43%
CIA market capitalization is down -2.43% over the past 3 years

Market cap All-time high

$837.84M
CIA market capitalization is currently -74.98% below its historical high of $837.84 million

Market cap sector rank

34.72%
CIA market capitalization is higher than 34.72% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

+0.68%
CIA shares outstanding is up +0.68% year-on-year

Shares Outstanding 3-Year Change

-1.03%
CIA shares outstanding is down -1.03% over the past 3 years

Technical Indicators

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Beta

1.33
CIA beta is 1.33

200-day SMA

$4.05
CIA price is currently +3.61% above its 200-day simple moving average

50-day SMA

$4.80
CIA price is currently -12.57% below its 50-day simple moving average

RSI

45.23
CIA 14-day relative strength index is 45.23

Volume

0.70
CIA 30-day relative volume is 0.70

ATR

$0.40
CIA average true range is $0.40

10-day Historical Volatility

138.60%
CIA 10-day historical volatility is 138.60%

Dividend

Income Statement

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Revenue

Revenue

$245.00M
CIA annual revenue is $245.00 million

Revenue Analysts estimate

$256.11M
CIA annual revenue is currently -4.34% lower than the consensus analysts' forecast

Revenue 1-year change

+1.8%
CIA annual revenue is up +1.8% year-on-year

Revenue Sector rank

59.06%
CIA annual revenue is higher than 59.06% of companies in Financial Services sector

EPS

EPS

$0.29
CIA annual earnings per share is $0.29

EPS Analysts estimate

$0.31
CIA annual earnings per share is currently -6.45% lower than the consensus analysts' forecast

EPS 1-year change

-39.58%
CIA annual earnings per share is down -39.58% year-on-year

EPS Sector rank

28.93%
CIA annual earnings per share is higher than 28.93% of companies in Financial Services sector

Profit

Gross profit

-
CIA annual gross profit value is unknown

Gross margin

-
CIA annual gross profit margin value is unknown

Operating profit

-
CIA annual operating income value is unknown

Operating margin

-
CIA annual operating profit margin value is unknown

Net income

$14.91M
CIA annual net profit is $14.91 million

Net margin

6.09%
CIA annual net profit margin is 6.09%

Expenses

Total expenses

$230.02M
CIA annual total expenses is $230.02 million

Operating expenses

$52.27M
CIA annual total operating expenses is $52.27 million

Cost of goods sold

-
CIA annual cost of goods sold value is unknown

Selling, general & administrative expenses

$52.27M
CIA annual SGA is $52.27 million

Depreciation and amortization

$619.00K
CIA annual depreciation & amortization is $619.00 thousand

Interest expense

-
CIA annual interest expense value is unknown

Income tax

$68.00K
CIA annual income tax is $68.00 thousand

EBIT & EBITDA

EBIT

$14.98M
CIA annual earnings before interest & taxes is $14.98 million

EBITDA

$15.60M
CIA annual EBITDA is $15.60 million

Balance Sheet

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Assets

Total assets

$1.69B
CIA annual total assets is $1.69 billion

Non current assets

$1.54B
CIA annual long term assets is $1.54 billion

Current assets

$48.08M
CIA annual total current assets is $48.08 million

Cash and cash equivalents

$29.27M
CIA annual cash & cash equivalents is $29.27 million

Accounts receivable

$18.66M
CIA annual accounts receivable is $18.66 million

Inventory

-
CIA annual inventory value is unknown

Liabilities

Total liabilities

$1.47B
CIA annual total liabilities is $1.47 billion

Long term liabilities

$34.62M
CIA annual total long term liabilities is $34.62 million

Current liabilities

$8.82M
CIA annual total current liabilities is $8.82 million

Accounts payable

$8.82M
CIA annual accounts payable is $8.82 million

Debt

Total debt

$0.00
CIA annual total debt is $0.00

Total debt 1-year change

0%
CIA {parameterFullLabel} has remained unchanged year-on-year

Long term debt

-
CIA annual long term debt value is unknown

Short term debt

-
CIA annual short term debt value is unknown

Equity & Capital

Shareholders equity

$80.79M
CIA annual stockholders equity is $80.79 million

Book value

$80.79M
CIA annual book value is $80.79 million

Retained earnings

$57.06M
CIA annual retained earnings is $57.06 million

Working capital

$39.26M
CIA annual working capital is $39.26 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$31.92M
CIA annual cash flow from operations is $31.92 million

Cash from operations 1-year change

+44.71%
CIA annual cash flow from operations is up +44.71% year-on-year

Cash from investing

-$27.17M
CIA annual cash flow from investing activities is -$27.17 million

Cash from investing 1-year change

-87.45%
CIA annual cash flow from investing activities is down -87.45% year-on-year

Cash from financing

-$2.47M
CIA annual cash flow from financing activities is -$2.47 million

Cash from financing 1-year change

+30.12%
CIA annual cash flow from financing activities is up +30.12% year-on-year

CAPEX

CAPEX

$663.00K
CIA annual capital expenditures is $663.00 thousand

CAPEX 1-year change

+50%
CIA annual capital expenditures is up +50% year-on-year

Free Cash Flow

Free cash flow

$31.25M
CIA annual free cash flow is $31.25 million

Free cash flow 1-year change

+44.61%
CIA annual free cash flow is up +44.61% year-on-year

Profitability Ratios

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Margins

Gross margin

-
CIA annual gross profit margin value is unknown

Operating margin

-
CIA annual operating profit margin value is unknown

Net margin

6.09%
CIA annual net profit margin is 6.09%

ROA & ROE

ROA

0.89%
CIA annual return on assets is 0.89%

ROE

7.80%
CIA annual return on equity is 7.80%

Valuation

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PE Ratio

PE ratio

14.48
CIA price to earnings ratio is 14.48

PE ratio Sector rank

61.35%
CIA price to earnings ratio is higher than 61.35% of companies in Financial Services sector

PB Ratio

PB ratio

2.59
CIA price to book ratio is 2.59

PB ratio Sector rank

81.63%
CIA price to book ratio is higher than 81.63% of companies in Financial Services sector

PS Ratio

PS ratio

0.86
CIA price to sales ratio is 0.86

PS ratio Sector rank

13.13%
CIA price to sales ratio is higher than 13.13% of companies in Financial Services sector

Enterprise value

Enterprise value

$180.34M
CIA enterprise value is $180.34 million

Enterprise value Sector rank

32.49%
CIA enterprise value is higher than 32.49% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

11.56
CIA EV/EBITDA is 11.56

EV/EBITDA Sector rank

85.36%
CIA EV/EBITDA is higher than 85.36% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

5.45
CIA annual current ratio is 5.45

Quick ratio

-
CIA annual quick ratio value is unknown

Leverage

Debt to equity

0.00
CIA annual debt to equity ratio is 0.00

Interest coverage ratio

-
CIA annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
CIA piotroski f-score value is unknown

Altman Z-Score

0.34
CIA altman z-score is 0.34

Analyst ratings

Recent major analysts updates

No data about analysts updates

Institutional Ownership

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  • What is the ticker symbol for Citizens?
  • Does Citizens pay dividends?
  • What sector is Citizens in?
  • What industry is Citizens in?
  • What country is Citizens based in?
  • When did Citizens go public?
  • Is Citizens in the S&P 500?
  • Is Citizens in the NASDAQ 100?
  • Is Citizens in the Dow Jones?
  • When was Citizens's last earnings report?
  • When does Citizens report earnings?
  • Should I buy Citizens stock now?

What is the ticker symbol for Citizens?

The ticker symbol for Citizens is NYSE:CIA

Does Citizens pay dividends?

No, Citizens does not pay dividends

What sector is Citizens in?

Citizens is in the Financial Services sector

What industry is Citizens in?

Citizens is in the Insurance - Life industry

What country is Citizens based in?

Citizens is headquartered in United States

When did Citizens go public?

Citizens's initial public offering (IPO) was on December 4, 1980

Is Citizens in the S&P 500?

No, Citizens is not included in the S&P 500 index

Is Citizens in the NASDAQ 100?

No, Citizens is not included in the NASDAQ 100 index

Is Citizens in the Dow Jones?

No, Citizens is not included in the Dow Jones index

When was Citizens's last earnings report?

Citizens's most recent earnings report was on Mar 13, 2025

When does Citizens report earnings?

The next expected earnings date for Citizens is May 7, 2025

Should I buy Citizens stock now?

As of today, analysts generally recommend a 'Strong buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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