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CIACitizens, Inc.
NYSE · US · Financial Services · Insurance - Life · citizensinc.com
5.450USD-1.98%Mkt Cap: 275.52M $P/E: 15.57

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
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Indicators:|

Key Statistics

Company
Market Cap275.52M $
Enterprise Value258.55M $
Revenue (TTM)259.68M $
Gross Profit75.35M $
Net Income (TTM)14.59M $
Revenue/Share5.168 USD
Last Price5.450 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees243
CountryUS
SectorFinancial Services
IndustryInsurance - Life
ISIN—
Valuation
P/E (Trailing)15.57
P/E (Forward)15.14
PEG1.21
EV/EBITDA11.55
EV/Revenue1.00
P/S1.06
P/B1.15
EPS (TTM)0.35
EPS (Forward)0.36
52W Range
3.25068% 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 Yield3.29%
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)+10.1%
Target Range6.000 USD – 6.000 USD
# Analysts1
Ownership
Shares Out.50.55M
Float45.11M
Insiders11.42%
Institutions28.33%
Short Interest
Short Ratio26.5d
Short % Float7.58%
Short % Out.7.41%
Shares Short3.75M
Short (prev mo.)3.70M
Technical
SMA 505.463 (-0.2%)
SMA 2005.432 (+0.3%)
Beta0.45
S&P 52W Chg20.25%
Avg Vol (30d)98.83K
Avg Vol (10d)99.57K
Technical Indicators
RSI (14)43.9
MACD0.0049
MACD Signal0.0683
MACD Hist.-0.0634
BB Upper6.248 USD
BB Middle5.784 USD
BB Lower5.319 USD
BB Width16.07%
ATR (14)0.3092 USD
Vol Ratio (20d)0.72x