Financhill
Buy
58

CIA Quote, Financials, Valuation and Earnings

Last price:
$4.21
Seasonality move :
7.88%
Day range:
$4.10 - $4.33
52-week range:
$2.05 - $5.95
Dividend yield:
0%
P/E ratio:
14.55x
P/S ratio:
0.88x
P/B ratio:
2.61x
Volume:
68.8K
Avg. volume:
111.5K
1-year change:
97.2%
Market cap:
$210.6M
Revenue:
$245M
EPS (TTM):
$0.29

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Upside
    No price target exists because of limited analyst coverage.
  • Price Target Downside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Citizens has 18.48% upside to fair value with a price target of $5.00 per share.

CIA vs. S&P 500

  • Over the past 5 trading days, Citizens has underperformed the S&P 500 by -4.43% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Citizens does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Citizens revenues have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens reported revenues of $63.5M.

Earnings Growth

  • Citizens earnings have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens reported earnings per share of $0.07.
Enterprise value:
181.3M
EV / Invested capital:
--
Price / LTM sales:
0.88x
EV / EBIT:
12.11x
EV / Revenue:
0.74x
PEG ratio (5yr expected):
0.41x
EV / Free cash flow:
5.80x
Price / Operating cash flow:
6.87x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.89%
Net Income Margin (TTM):
6.09%
Return On Equity:
7.63%
Return On Invested Capital:
10.06%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $232.5M $240.7M $245M $66.8M $63.5M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $0.31 $0.48 $0.29 $0.21 $0.07
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $1.5B $1.5B $1.2B $43.8M $48.1M
Total Assets $1.8B $1.9B $1.6B $1.7B $1.7B
Current Liabilities $65M $16.9M $11.9M $6.6M $8.8M
Total Liabilities $1.5B $1.5B $1.5B $1.5B $1.5B
Total Equity $300.9M $320.6M $127.8M $172.1M $210.4M
Total Debt -- -- -- -- --
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Cash Flow Statement
Cash Flow Operations $56.9M $22.1M $31.9M $6.6M $10.8M
Cash From Investing -$60.7M -$14.5M -$27.2M $4M -$13.8M
Cash From Financing -$499K -$3.5M -$2.5M -$375K -$98K
Free Cash Flow $56.8M $21.6M $31.3M $6.5M $10.7M
CIA
Sector
Market Cap
$210.6M
$600.6M
Price % of 52-Week High
70.98%
85.08%
Dividend Yield
0%
2%
Shareholder Yield
--
3.98%
1-Year Price Total Return
97.2%
9.32%
Beta (5-Year)
0.444
0.591
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Sell
Level $4.27
200-day SMA
Buy
Level $4.15
Bollinger Bands (100)
Sell
Level 4.07 - 5.03
Chaikin Money Flow
Buy
Level 19.8M
20-day SMA
Buy
Level $4.19
Relative Strength Index (RSI14)
Sell
Level 46.92
ADX Line
Sell
Level 16.94
Williams %R
Neutral
Level -65.2778
50-day SMA
Sell
Level $4.54
MACD (12, 26)
Sell
Level -0.10
25-day Aroon Oscillator
Sell
Level -24
On Balance Volume
Neutral
Level 23.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3315)
Sell
CA Score (Annual)
Level (-2.4631)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Sell
Ohlson Score
Level (2.9861)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Sell
Fundamental Score
Level (4)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Life Insurance segment and the Home Service Insurance segment. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.

Stock Forecast FAQ

In the current month, CIA has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CIA average analyst price target in the past 3 months is $5.00.

  • Where Will Citizens Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Citizens share price will rise to $5.00 per share over the next 12 months.

  • What Do Analysts Say About Citizens?

    Analysts are divided on their view about Citizens share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens is a Sell and believe this share price will drop from its current level to $5.00.

  • What Is Citizens's Price Target?

    The price target for Citizens over the next 1-year time period is forecast to be $5.00 according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is CIA A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Citizens is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of CIA?

    You can purchase shares of Citizens via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens shares.

  • What Is The Citizens Share Price Today?

    Citizens was last trading at $4.21 per share. This represents the most recent stock quote for Citizens. Yesterday, Citizens closed at $4.22 per share.

  • How To Buy Citizens Stock Online?

    In order to purchase Citizens stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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