Citizens, Inc. (CIA)
$
3.76
+0.16 (4.26%)
Key metrics
Financial statements
Free cash flow per share
0.5707
Market cap
188.6 Million
Price to sales ratio
0.7762
Debt to equity
0
Current ratio
0
Income quality
3.3342
Average inventory
0
ROE
0.0501
Technology
Technology – consumer electronics
Largecap
With a market cap of 121,78 bil stock is ranked 1
Low risk
ISS score of this stock is ranked 1
Company description
Profile
Citizens, Inc., through its subsidiaries, provides a range of life insurance products both domestically and internationally, with operations divided into two main segments: Life Insurance and Home Service Insurance. The Life Insurance segment primarily focuses on issuing ordinary whole life insurance and endowment policies, specifically designed for non-U.S. residents, and these products are marketed through independent agencies and consultants. The Home Service Insurance segment caters to middle- and lower-income households by offering final expense life insurance and property insurance policies, along with whole life products in states such as Louisiana, Mississippi, and Arkansas. This segment delivers its services primarily through funeral homes and independent agents. In terms of financial performance, the company recorded an operating income of $14,980,000.00 reflecting its earnings from core operations. Additionally, the company recorded a notable revenue of $245,001,000.00 showcasing its steady growth over time. The net income stood at $14,912,000.00 indicating the company's overall profitability levels. With reported selling, general, and administrative expenses of $52,266,000.00 the figure suggests a clear understanding of its operational overhead. The operating income ratio is $0.06 highlighting the company's operational profitability margin and efficiency in managing its business operations. Furthermore, the stock is affordable at $3.76 making it suitable for budget-conscious investors looking to enter the market. Despite a low average trading volume of $107,245.00 indicating lower market activity, the company maintains a strong position with a market capitalization of $188,564,000.00 classifying it as a small-cap player. It is a key player in the Insurance - Life industry, contributing significantly to the overall market landscape and offering a variety of financial products. Additionally, it belongs to the Financial Services sector, driving innovation and growth within its niche. With these attributes, Citizens, Inc. represents an intriguing opportunity for those interested in the insurance market while maintaining a balanced approach to investment.
Is Citizens, Inc. (CIA) a good investment?
Investing in Citizens, Inc. (CIA) depends on multiple factors, including revenue growth, profit margins, debt-to-equity ratio, earnings per share, and return on equity. Analysts have rated it as C, with a Bearish outlook. Always conduct your own research before investing.
What is Citizens, Inc. (CIA)'s stock forecast?
Analysts predict Citizens, Inc. stock to fluctuate between $2.33 (low) and $5.95 (high) in the next 365 days, reflecting market expectations and potential volatility.
What is Citizens, Inc.'s market capitalization?
As of 2025-05-29, Citizens, Inc.'s market cap is $188,564,000, based on 50,150,000 outstanding shares.
How does Citizens, Inc. compare to competitors like JPMorgan Chase & Co.?
Compared to JPMorgan Chase & Co., Citizens, Inc. has a Lower Market-Cap, indicating a difference in performance.
How can I buy Citizens, Inc. (CIA) stock?
To buy Citizens, Inc. (CIA) stock: Open a brokerage account (e.g., Robinhood, TD Ameritrade, E-Trade). Search for CIA. Place an order (Market, Limit, etc.).
What is the best time to invest in Citizens, Inc.?
The best time to invest depends on market trends and technical indicators, which show a Bearish trend based on economic conditions and company performance.
Has Citizens, Inc. stock ever split?
Citizens, Inc.'s last stock split was 107:100 on 2005-12-13.
How did Citizens, Inc. perform in the last earnings report?
Revenue: $245,001,000 | EPS: $0.27 | Growth: -44.90%.
Where can I find Citizens, Inc.'s investor relations reports?
Visit https://www.citizensinc.com/investor-relations for detailed financial reports.
Where can I find historical stock prices for Citizens, Inc.?
You can explore historical data from here
What is the all-time high and low for Citizens, Inc. stock?
All-time high: $7.06 (2021-03-12) | All-time low: $1.64 (2023-05-26).
What are the key trends affecting Citizens, Inc. stock?
Key trends include market demand, economic conditions, interest rates, and industry competition, which influence the stock's performance.
News
newsfilecorp.com
22 days ago
Total revenues of $55.7 million in Q1 2025, from $57.7 million in Q1 2024Adjusted total revenues of $58.5 million in Q1 2025, up from $56.7 million in Q1 2024 $1.8 million loss before federal income tax in Q1 2025, from $4.9 million income in Q1 2024 Adjusted income before federal income tax of $1.1 million in Q1 2025, from $4.0 million in Q1 2024 Book value per Class A share of $4.37 at March 31 2025, from $3.94 at March 31, 2024Adjusted book value per Class A share of $6.12 at March 31, 2025, from $5.95 at March 31, 2024 Austin, Texas--(Newsfile Corp. - May 8, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the first quarter ended March 31, 2025. "We continue to deliver on our strategic commitments with our tenth consecutive quarter of year-over-year growth in first year premiums.
newsfilecorp.com
a month ago
Emerging Growth Virtual Conference on April 17, 2025 Singular Research Virtual Conference on May 22, 2025 Austin, Texas--(Newsfile Corp. - April 16, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced management's plan for participation in upcoming investor conferences. Emerging Growth Virtual Conference on April 17, 2025 Citizens management plans to present at the Emerging Growth Virtual Conference on April 17 at 2:55 ET.
zacks.com
2 months ago
Citizens (CIA) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.
zacks.com
3 months ago
Citizens (CIA) came out with quarterly earnings of $0.07 per share, missing the Zacks Consensus Estimate of $0.10 per share. This compares to earnings of $0.21 per share a year ago.
newsfilecorp.com
3 months ago
Total revenues of $245.0 million in the full year 2024, from $240.7 in 2023. Adjusted total revenues of $247.6 million in the full year 2024, from $239.9 million in 2023.
zacks.com
4 months ago
Citizens (CIA) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
newsfilecorp.com
4 months ago
Austin, Texas--(Newsfile Corp. - February 3, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced Paula Guerrero, who serves as Citizens' Vice President of Information Technology, is promoted to Chief Information Officer, effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. "We improved our processes and technology to remove complexity and hassles for agents and policyholders in the insurance sales cycle, which drives global business growth," said Jon Stenberg, President and Chief Executive Officer.
newsfilecorp.com
4 months ago
Austin, Texas--(Newsfile Corp. - January 30, 2025) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced Bryon Matthew Lewis, who serves as Citizens' global Vice President of Operations, is promoted to Chief Operating Officer, a newly created global position effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. This role will oversee Underwriting, New Business, Claims, and Corporate and Policyholder Services, which are critical activities as we continue delivering our promises to policyholders.
newsfilecorp.com
6 months ago
Austin, Texas--(Newsfile Corp. - November 27, 2024) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced it has filed a shelf registration statement (the "Shelf Registration") on Form S-3 with the United States Securities and Exchange Commission (the "SEC"), replacing a previous shelf registration statement on Form S-3 that will expire on November 30, 2024. The replacement Shelf Registration will allow the Company to continue offering shares under its Stock Investment Plan (SIP), which has been in place since 2001.
newsfilecorp.com
7 months ago
Austin, Texas--(Newsfile Corp. - November 7, 2024) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits and final expense insurance, today reported results for the third quarter ended September 30, 2024. "We are thrilled to report strong sales momentum and exceptional execution in the third quarter and throughout 2024 with several significant developments.
See all news
