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CIACitizens, Inc.
NYSE · US · Financial Services · Insurance - Life · citizensinc.com
5.740USD-7.12%Mkt Cap: 290.18M $P/E: 16.40

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asi…

Industry Peers

Insurance - Life
Screen all
vs Insurance - Life
P/E
Pricier
P/B
Pricier
1M Perf
Lower
MFC
Manulife Financial Corporation
$69.77BUSDP/E 16.6
AFL
Aflac Incorporated
$59.68BUSDP/E 13.4
GWO
Great-West Lifeco Inc.
$59.10BUSDP/E 19.4
MET
MetLife, Inc.
$54.44BUSDP/E 16.4
POW
Power Corporation of Canada
$40.58BUSDP/E 21.3
PRU
Prudential Financial, Inc.
$37.49BUSDP/E 11.1
PRU
Prudential plc
$27.22BUSDP/E 8.6
UNM
Unum Group
$14.28BUSDP/E 19.4
GL
Globe Life Inc.
$13.87BUSDP/E 12.4
PRI
Primerica, Inc.
$8.86BUSDP/E 11.9
JXN
Jackson Financial Inc.
$7.14BUSD
LNC
Lincoln National Corporation
$6.76BUSDP/E 3.9
CNO
CNO Financial Group, Inc.
$4.76BUSDP/E 20.6
ELF
E-L Financial Corporation Limited
$4.27BUSDP/E 5.2
BHF
Brighthouse Financial, Inc.
$3.64BUSD
GNW
Genworth Financial, Inc.
$3.63BUSDP/E 18.2
FG
F&G Annuities & Life, Inc.
$3.52BUSDP/E 6.9
WUW
Wüstenrot & Württembergische AG
$1.49BUSDP/E 11.3
ABX
Abacus Global Management, Inc.
$1.03BUSDP/E 28.2
ANHYT
Anadolu Hayat Emeklilik Anonim Sirketi
$1.06BUSDP/E 6.8
CSN
Chesnara plc
$829.90MUSD
SNFCA
Security National Financial Corporation
$252.31MUSDP/E 7.6
HSD
Hansard Global plc
$76.06MUSDP/E 17.1
AAME
Atlantic American Corporation
$34.06MUSDP/E 7.3
BHFAP
Brighthouse Financial, Inc.
—P/E 1.2
MET-PA
MetLife, Inc.
—P/E 2.7
MET-PE
MetLife, Inc.
—P/E 2.9
BHFAM
Brighthouse Financial, Inc.
—P/E 0.8
BHFAO
Brighthouse Financial, Inc.
—P/E 1.2
GWO-PS
Great-West Lifeco Inc.
—P/E 6.9
GWO-PT
Great-West Lifeco Inc.
—P/E 6.8
PWF-PA
Power Financial Corporation
—P/E 5.3
PWF-PE
Power Financial Corporation
—P/E 9.0
PWF-PF
Power Financial Corporation
—P/E 8.6
PWF-PL
Power Financial Corporation
—P/E 8.3
PWF-PS
Power Financial Corporation
—P/E 7.9
ELLA
Ecclesiastical Insurance Office PLC
—P/E 0.1
MET-PF
MetLife, Inc.
—P/E 2.4
GWO-PI
Great-West Lifeco Inc.
—P/E 6.1
GWO-PQ
Great-West Lifeco Inc.
—P/E 6.8
MFC-PC
Manulife Financial Corporation
—P/E 4.6
BHFAN
Brighthouse Financial, Inc.
—P/E 0.9
PWF-PK
Power Financial Corporation
—P/E 8.1
Indicators:|

Key Statistics

Company
Market Cap290.18M $
Enterprise Value273.21M $
Revenue (TTM)259.68M $
Gross Profit75.35M $
Net Income (TTM)14.59M $
Revenue/Share5.168 USD
Last Price5.740 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees243
CountryUS
SectorFinancial Services
IndustryInsurance - Life
ISIN—
Valuation
P/E (Trailing)16.40
P/E (Forward)15.94
PEG1.21
EV/EBITDA12.21
EV/Revenue1.05
P/S1.12
P/B1.21
EPS (TTM)0.35
EPS (Forward)0.36
52W Range
3.25077% of range6.500
52W High6.500 USD
52W Low3.250 USD
Profitability
Gross Margin29.02%
Oper. Margin3.98%
EBITDA Margin8.62%
Profit Margin5.71%
ROE6.21%
ROA0.83%
Growth
Revenue Growth7.30%
Earnings Growth—
Cash Flow & Leverage
Operating CF17.99M $
CapEx (TTM)447.00K $
FCF Margin3.49%
FCF Yield3.12%
Net Debt-16.97M $
Net Debt/EBITDA-0.76
Balance Sheet
Debt/Equity—
Current Ratio0.65
Quick Ratio0.30
Book Value/Sh4.742 USD
Cash/Share0.3360 USD
Dividends
Fwd Div Rate—
Trail. Div Rate0.0000 USD
Div. Yield—
5Y Avg Yield—
Payout Ratio0.00%
Ex-Div Date—
Pay Date—
Splits
Last Split107:100
Split DateDec 13, 2005
Analyst Consensus
Rating—
Target (Mean)6.000 USD
Upside (mean)+4.5%
Target Range6.000 USD – 6.000 USD
# Analysts1
Ownership
Shares Out.50.55M
Float45.15M
Insiders11.42%
Institutions28.34%
Short Interest
Short Ratio39.3d
Short % Float7.51%
Short % Out.7.34%
Shares Short3.71M
Short (prev mo.)3.61M
Technical
SMA 505.441 (+5.5%)
SMA 2005.428 (+5.8%)
Beta0.47
S&P 52W Chg20.05%
Avg Vol (30d)90.77K
Avg Vol (10d)181.86K
Technical Indicators
RSI (14)53.1
MACD0.2079
MACD Signal0.1702
MACD Hist.+0.0377
BB Upper6.336 USD
BB Middle5.622 USD
BB Lower4.909 USD
BB Width25.37%
ATR (14)0.3647 USD
Vol Ratio (20d)1.87x