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NYSE: CIA
Citizens Inc Stock

$5.12+0.17 (+3.43%)
Updated Nov 6, 2024
CIA Price
$5.12
Fair Value Price
N/A
Market Cap
$255.33M
52 Week Low
$1.78
52 Week High
$5.95
P/E
11.64x
P/B
1.33x
P/S
0.55x
PEG
N/A
Dividend Yield
N/A
Revenue
$246.04M
Earnings
$21.94M
Gross Margin
40.6%
Operating Margin
8.8%
Profit Margin
8.9%
Debt to Equity
7.68
Operating Cash Flow
$21M
Beta
0.78
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

CIA Overview

Citizens, Inc. is an insurance company. Its Life Insurance segment issues whole life insurance and endowment policies to non-U.S. residents in through independent marketing agencies and consultants. Its Home Service Insurance segment offers life insurance and property insurance policies to middle-and lower-income households in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens was founded in 1969 and is headquartered in Austin, TX.

Zen Score

Industry Average (37)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how CIA scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CIA is forecast by analysts to be unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CIA is good value based on its earnings relative to its share price (11.64x), compared to the US market average (24.29x)
P/E vs Market Valuation
CIA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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CIA News

Valuation

CIA price to earnings (PE)

For valuing profitable companies with steady earnings
Company
11.64x
Industry
14.51x
Market
24.29x
CIA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIA is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CIA price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.33x
Industry
1.56x
CIA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CIA's financial health

Profit margin

Revenue
$62.1M
Net Income
$4.0M
Profit Margin
6.4%
CIA's Earnings (EBIT) of $21.64M... subscribe to Premium to read more.
Interest Coverage Financials
CIA's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.7B
Liabilities
$1.5B
Debt to equity
7.68
CIA's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CIA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$4.6M
Investing
-$735.0k
Financing
-$751.0k
CIA's operating cash flow ($21.23M)... subscribe to Premium to read more.
Debt Coverage Financials

CIA vs Property & Casualty Insurance Stocks

TickerMarket Cap1d %P/EP/B
CIA$255.33M+3.43%11.64x1.33x
AAME$34.13M+3.27%-9.29x0.34x
ABL$648.72M+1.52%-72.42x2.53x
GNW$3.08B+8.84%79.33x0.36x
BHF$3.21B+11.84%-3.42x0.78x

Citizens Stock FAQ

What is Citizens's quote symbol?

(NYSE: CIA) Citizens trades on the NYSE under the ticker symbol CIA. Citizens stock quotes can also be displayed as NYSE: CIA.

If you're new to stock investing, here's how to buy Citizens stock.

What is the 52 week high and low for Citizens (NYSE: CIA)?

(NYSE: CIA) Citizens's 52-week high was $5.95, and its 52-week low was $1.78. It is currently -13.88% from its 52-week high and 187.64% from its 52-week low.

How much is Citizens stock worth today?

(NYSE: CIA) Citizens currently has 49,868,613 outstanding shares. With Citizens stock trading at $5.12 per share, the total value of Citizens stock (market capitalization) is $255.33M.

Citizens stock was originally listed at a price of $6.50 in Dec 31, 1997. If you had invested in Citizens stock at $6.50, your return over the last 26 years would have been -21.23%, for an annualized return of -0.91% (not including any dividends or dividend reinvestments).

How much is Citizens's stock price per share?

(NYSE: CIA) Citizens stock price per share is $5.12 today (as of Nov 6, 2024).

What is Citizens's Market Cap?

(NYSE: CIA) Citizens's market cap is $255.33M, as of Nov 7, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens's market cap is calculated by multiplying CIA's current stock price of $5.12 by CIA's total outstanding shares of 49,868,613.
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