5.240USD-1.13%Mkt Cap: 265.41M USDP/E: 15.00Last update: 2026-06-01
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 - Life87.20BCADP/E 15.1
70.67BCADP/E 16.9
57.21BUSDP/E 12.8
52.61BUSDP/E 15.8
51.90BCADP/E 19.8
44.81BTRYP/E 6.9
34.94BUSDP/E 10.4
26.60BGBpP/E 9.3
Indicators:|
Key Statistics
Company
Market Cap265.41M USD
Enterprise Value245.41M USD
Revenue (TTM)259.68M USD
Gross Profit75.35M USD
Net Income (TTM)14.59M USD
Revenue/Share5.168 USD
Last Price5.240 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees243
CountryUS
SectorFinancial Services
IndustryInsurance - Life
ISIN—
Valuation
P/E (Trailing)15.00
P/E (Forward)14.42
PEG1.21
EV/EBITDA10.96
EV/Revenue0.95
P/S1.01
P/B1.09
EPS (TTM)0.35
EPS (Forward)0.36
52W Range
3.25063% of range6.400
52W High6.400 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 USD
CapEx (TTM)447.00K USD
FCF Margin3.49%
FCF Yield3.41%
Net Debt-16.97M USD
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
Target Range6.000 USD – 6.000 USD
# Analysts1
Ownership
Shares Out.50.55M
Float45.16M
Insiders11.34%
Institutions28.34%
Short Interest
Short Ratio45.4d
Short % Float7.29%
Short % Out.7.13%
Shares Short3.61M
Short (prev mo.)3.78M
Technical
SMA 505.216 (+0.5%)
SMA 2005.390 (-2.8%)
Beta0.50
S&P 52W Chg27.70%
Avg Vol (30d)76.88K
Avg Vol (10d)97.59K
Technical Indicators
RSI (14)53.8
MACD-0.0737
MACD Signal-0.0843
MACD Hist.+0.0106
BB Upper5.653 USD
BB Middle5.186 USD
BB Lower4.718 USD
BB Width18.02%
ATR (14)0.3024 USD
Vol Ratio (20d)0.38x