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Citizens, Inc. (CIA)

Profile

Full Name

Citizens, Inc.

Ticker

NYSE: 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

$3.42(-0.58%)

Market cap

$171.51M(Small cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$245.00M(+1.80% YoY)

Annual EPS

$0.29(-39.58% YoY)

PE ratio

20.12

Next earnings date

Aug 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $3.42
    CIA price is $3.42

    30-Day Relative Volume

    0.36
    CIA 30-day relative volume is 0.36

    Price Performance

    Price Most recent change

    -0.58%
    CIA price was down -0.58% on Jul 11, 2025

    Price YTD change

    -14.71%
    CIA price is down -14.71% since January 1st

    Price 1-year change

    +32.56%
    CIA price is up +32.56% year-on-year

    Price 3-year change

    -17.39%
    CIA price is down -17.39% over the past 3 years

    Price Range

    Price All-time high

    $37.82
    CIA price is currently -90.96% below its historical high of $37.82

    Price 3-year low

    $1.64
    CIA price is currently +108.54% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $171.51M
    CIA market capitalization is $171.51 million

    Market cap 3-year change

    -17.5%
    CIA market capitalization is down -17.5% over the past 3 years

    Market cap All-time high

    $837.84M
    CIA market capitalization is currently -79.53% below its historical high of $837.84 million

    Market cap sector rank

    26.67%
    CIA market capitalization is higher than 26.67% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.87%
    CIA shares outstanding is up +0.87% year-on-year

    Shares Outstanding 3-Year Change

    -0.13%
    CIA shares outstanding is down -0.13% over the past 3 years

    Technical Indicators

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    Beta

    1.20
    CIA beta is 1.20

    200-day SMA

    $4.34
    CIA price is currently -21.22% below its 200-day simple moving average

    50-day SMA

    $3.71
    CIA price is currently -7.72% below its 50-day simple moving average

    RSI

    43.43
    CIA 14-day relative strength index is 43.43

    Volume

    0.36
    CIA 30-day relative volume is 0.36

    ATR

    $0.16
    CIA average true range is $0.16

    10-day Historical Volatility

    52.08%
    CIA 10-day historical volatility is 52.08%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $245.00M
    CIA annual revenue is $245.00 million

    Revenue Analysts estimate

    $252.44M
    CIA annual revenue is currently -2.95% 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

    59.65%
    CIA annual revenue is higher than 59.65% of companies in Financial Services sector

    EPS

    EPS

    $0.29
    CIA annual earnings per share is $0.29

    EPS Analysts estimate

    -
    CIA annual earnings per share consensus analysts' forecast is unknown

    EPS 1-year change

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

    EPS Sector rank

    29.7%
    CIA annual earnings per share is higher than 29.7% 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

    20.12
    CIA price to earnings ratio is 20.12

    PE ratio Sector rank

    64.94%
    CIA price to earnings ratio is higher than 64.94% of companies in Financial Services sector

    PB Ratio

    PB ratio

    0.79
    CIA price to book ratio is 0.79

    PB ratio Sector rank

    18.55%
    CIA price to book ratio is higher than 18.55% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.71
    CIA price to sales ratio is 0.71

    PS ratio Sector rank

    9.26%
    CIA price to sales ratio is higher than 9.26% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $153.16M
    CIA enterprise value is $153.16 million

    Enterprise value Sector rank

    26.84%
    CIA enterprise value is higher than 26.84% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    17.20
    CIA EV/EBITDA is 17.20

    EV/EBITDA Sector rank

    88.95%
    CIA EV/EBITDA is higher than 88.95% 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

    0.32
    CIA altman z-score is 0.32

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with CIA included

    Growing Shares Outstanding
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    Small cap stocks
    • What is the ticker symbol for Citizens, Inc.?
    • Does Citizens, Inc. pay dividends?
    • What sector is Citizens, Inc. in?
    • What industry is Citizens, Inc. in?
    • What country is Citizens, Inc. based in?
    • When did Citizens, Inc. go public?
    • Is Citizens, Inc. in the S&P 500?
    • Is Citizens, Inc. in the NASDAQ 100?
    • Is Citizens, Inc. in the Dow Jones?
    • When was Citizens, Inc.'s last earnings report?
    • When does Citizens, Inc. report earnings?

    What is the ticker symbol for Citizens, Inc.?

    The ticker symbol for Citizens, Inc. is NYSE:CIA

    Does Citizens, Inc. pay dividends?

    No, Citizens, Inc. does not pay dividends

    What sector is Citizens, Inc. in?

    Citizens, Inc. is in the Financial Services sector

    What industry is Citizens, Inc. in?

    Citizens, Inc. is in the Insurance - Life industry

    What country is Citizens, Inc. based in?

    Citizens, Inc. is headquartered in United States

    When did Citizens, Inc. go public?

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

    Is Citizens, Inc. in the S&P 500?

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

    Is Citizens, Inc. in the NASDAQ 100?

    No, Citizens, Inc. is not included in the NASDAQ 100 index

    Is Citizens, Inc. in the Dow Jones?

    No, Citizens, Inc. is not included in the Dow Jones index

    When was Citizens, Inc.'s last earnings report?

    Citizens, Inc.'s most recent earnings report was on May 8, 2025

    When does Citizens, Inc. report earnings?

    The next expected earnings date for Citizens, Inc. is August 6, 2025
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