Citizens (CIA) Stock Price, News & Analysis

Company Overview

Citizens, Inc. provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Key Stats

• Today's Range: $4.62 to $4.75
• 50-Day Range: $3.06 to $5.86
• 52-Week Range: $1.78 to $5.95
• Volume: 14,182 shs
• Average Volume: 72,069 shs
• Market Capitalization: $232.58 million
• P/E Ratio: 10.84
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Strong Buy

Citizens Stock Analysis - MarketRank™

Citizens scored higher than 27% of companies evaluated by MarketBeat, and ranked 827th out of 930 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Citizens.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 18.75%

Earnings Growth

Earnings for Citizens are expected to grow by 18.75% in the coming year, from $0.32 to $0.38 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Citizens is 10.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 123.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Citizens is 10.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 45.55.

Price to Book Value per Share Ratio

Citizens has a P/B Ratio of 1.12. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

9.31% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 35.7, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently increased by 0.97%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Citizens does not currently pay a dividend.

Dividend Growth

Citizens does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

9.31% of the float of Citizens has been sold short.

Short Interest Ratio / Days to Cover

Citizens has a short interest ratio ("days to cover") of 35.7, which indicates bearish sentiment.

Change versus previous month

Short interest in Citizens has recently increased by 0.97%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.54

News Sentiment

Citizens has a news sentiment score of 0.54. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Citizens this week, compared to 6 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Citizens insiders have bought more of their company's stock than they have sold. Specifically, they have bought $37,172.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 1.20% of the stock of Citizens is held by insiders.

Percentage Held by Institutions

Only 13.73% of the stock of Citizens is held by institutions.

CIA Stock Analysis - Frequently Asked Questions

How have CIA shares performed this year?

Citizens' stock was trading at $2.69 on January 1st, 2024. Since then, CIA shares have increased by 72.5% and is now trading at $4.64.
View the best growth stocks for 2024 here.

How were Citizens' earnings last quarter?

Citizens, Inc. (NYSE:CIA) released its earnings results on Friday, November, 10th. The insurance provider reported ($0.04) earnings per share for the quarter. Citizens had a trailing twelve-month return on equity of 11.50% and a net margin of 8.87%.

Who are Citizens' major shareholders?

Top institutional investors of Citizens include Geode Capital Management LLC (0.92%), Empowered Funds LLC (0.28%), Barclays PLC (0.10%) and Barclays PLC (0.11%). Insiders that own company stock include Gerald Shields, Jeffery P Conklin, James Keith Morgan, Gerald W Shields, Christopher W Claus, Harvey J Waite, Jon Stenberg and Terry Sam Maness.
View institutional ownership trends.

How do I buy shares of Citizens?

Shares of CIA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Citizens own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Citizens investors own include HubSpot (HUBS), Domino's Pizza (DPZ), Netflix (NFLX), Bank of America (BAC), Diamondback Energy (FANG), ForgeRock (FORG) and InMode (INMD).

Company Calendar

• Last Earnings: 11/10/2017
• Today: 11/21/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 3/13/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Life insurance
• Sub-Industry: Life & Health Insurance
• Current Symbol: NYSE:CIA
• CUSIP: 17474010
• CIK: 24090
• Web: www.citizensinc.com
• Phone: (512) 837-7100
• Fax: 512-836-9785
• Employees: 220
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $0.43
• Trailing P/E Ratio: 10.79
• Forward P/E Ratio: 14.50
• P/E Growth: N/A
• Net Income: $24.44 million
• Net Margins: 8.87%
• Pretax Margin: 8.07%
• Return on Equity: 11.50%
• Return on Assets: 1.31%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.05
• Quick Ratio: 0.05

Sales & Book Value

• Annual Sales: $240.68 million
• Price / Sales: 0.96
• Cash Flow: $0.62 per share
• Price / Cash Flow: 7.44
• Book Value: $4.16 per share
• Price / Book: 1.12

Miscellaneous

• Outstanding Shares: 49,910,000
• Free Float: 49,308,000
• Market Cap: $231.58 million
• Optionable: Optionable
• Beta: 0.11