CITIZENS INC (CIA) Stock Fundamental Analysis

NYSE:CIA • US1747401008

5.42 USD
-0.33 (-5.74%)
At close: Feb 27, 2026
5.42 USD
0 (0%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall CIA gets a fundamental rating of 3 out of 10. We evaluated CIA against 150 industry peers in the Insurance industry. While CIA seems to be doing ok healthwise, there are quite some concerns on its profitability. CIA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CIA had positive earnings in the past year.
  • In the past year CIA had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CIA reported negative net income in multiple years.
  • Each year in the past 5 years CIA had a positive operating cash flow.
CIA Yearly Net Income VS EBIT VS OCF VS FCFCIA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.62%, CIA is doing worse than 65.33% of the companies in the same industry.
  • CIA has a Return On Equity of 4.82%. This is in the lower half of the industry: CIA underperforms 72.00% of its industry peers.
  • CIA's Return On Invested Capital of 0.64% is on the low side compared to the rest of the industry. CIA is outperformed by 65.33% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 4.82%
ROIC 0.64%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
ROIC(3y)N/A
ROIC(5y)N/A
CIA Yearly ROA, ROE, ROICCIA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

  • CIA has a worse Profit Margin (4.40%) than 68.00% of its industry peers.
  • In the last couple of years the Profit Margin of CIA has declined.
  • Looking at the Operating Margin, with a value of 5.39%, CIA is doing worse than 76.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CIA has grown nicely.
Industry RankSector Rank
OM 5.39%
PM (TTM) 4.4%
GM N/A
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CIA Yearly Profit, Operating, Gross MarginsCIA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • CIA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for CIA has been increased compared to 1 year ago.
  • CIA has less shares outstanding than it did 5 years ago.
  • CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CIA Yearly Shares OutstandingCIA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CIA Yearly Total Debt VS Total AssetsCIA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • There is no outstanding debt for CIA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.07
WACC8.61%
CIA Yearly LT Debt VS Equity VS FCFCIA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIA Yearly Current Assets VS Current LiabilitesCIA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • CIA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -52.07%.
  • Measured over the past years, CIA shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -26.17% on average per year.
  • CIA shows a decrease in Revenue. In the last year, the revenue decreased by -0.55%.
  • CIA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.44% yearly.
EPS 1Y (TTM)-52.07%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-20%
Revenue 1Y (TTM)-0.55%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%1.74%

3.2 Future

  • Based on estimates for the next years, CIA will show a small growth in Earnings Per Share. The EPS will grow by 4.00% on average per year.
  • The Revenue is expected to grow by 3.51% on average over the next years.
EPS Next Y-31.25%
EPS Next 2Y-3.18%
EPS Next 3Y4%
EPS Next 5YN/A
Revenue Next Year1.9%
Revenue Next 2Y2.7%
Revenue Next 3Y3.51%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CIA Yearly Revenue VS EstimatesCIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CIA Yearly EPS VS EstimatesCIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.1 0.2 0.3

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 25.81, CIA can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, CIA is valued a bit more expensive than the industry average as 74.67% of the companies are valued more cheaply.
  • CIA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 17.89, CIA is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, CIA is valued a bit more expensive than 70.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, CIA is valued a bit cheaper.
Industry RankSector Rank
PE 25.81
Fwd PE 17.89
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIA is on the same level as its industry peers.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.08
EV/EBITDA 18.4
CIA Per share dataCIA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.18%
EPS Next 3Y4%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • CIA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CITIZENS INC

NYSE:CIA (2/27/2026, 8:04:00 PM)

After market: 5.42 0 (0%)

5.42

-0.33 (-5.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)03-12
Inst Owners26.25%
Inst Owner Change5.22%
Ins Owners2.46%
Ins Owner Change0%
Market Cap272.63M
Revenue(TTM)247.02M
Net Income(TTM)10.87M
Analysts84
Price Target6.12 (12.92%)
Short Float %9.32%
Short Ratio44.35
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)93.89%
Min EPS beat(2)-33.99%
Max EPS beat(2)221.78%
EPS beat(4)1
Avg EPS beat(4)0.33%
Min EPS beat(4)-159.41%
Max EPS beat(4)221.78%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.38%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)2.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-6.32%
Max Revenue beat(4)2.77%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 25.81
Fwd PE 17.89
P/S 1.1
P/FCF 14.08
P/OCF 13.76
P/B 1.21
P/tB 1.26
EV/EBITDA 18.4
EPS(TTM)0.21
EY3.87%
EPS(NY)0.3
Fwd EY5.59%
FCF(TTM)0.38
FCFY7.1%
OCF(TTM)0.39
OCFY7.27%
SpS4.91
BVpS4.49
TBVpS4.3
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.6
Profitability
Industry RankSector Rank
ROA 0.62%
ROE 4.82%
ROCE 0.8%
ROIC 0.64%
ROICexc 0.64%
ROICexgc 0.66%
OM 5.39%
PM (TTM) 4.4%
GM N/A
FCFM 7.84%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y41.5%
ROICexgc growth 5Y21.27%
ROICexc growth 3Y41.24%
ROICexc growth 5Y21.4%
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 39.16%
Cap/Sales 0.18%
Interest Coverage 250
Cash Conversion 136.98%
Profit Quality 178.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.61%
ROIC/WACC0.07
Cap/Depr(3y)33.56%
Cap/Depr(5y)30.08%
Cap/Sales(3y)0.17%
Cap/Sales(5y)0.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-52.07%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-20%
EPS Next Y-31.25%
EPS Next 2Y-3.18%
EPS Next 3Y4%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.55%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%1.74%
Revenue Next Year1.9%
Revenue Next 2Y2.7%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
EBIT growth 1Y-33.52%
EBIT growth 3Y36.42%
EBIT growth 5Y21.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.02%
FCF growth 3Y-7.51%
FCF growth 5Y-15.3%
OCF growth 1Y-39.24%
OCF growth 3Y-7.63%
OCF growth 5Y-15.06%

CITIZENS INC / CIA FAQ

What is the fundamental rating for CIA stock?

ChartMill assigns a fundamental rating of 3 / 10 to CIA.


What is the valuation status of CITIZENS INC (CIA) stock?

ChartMill assigns a valuation rating of 2 / 10 to CITIZENS INC (CIA). This can be considered as Overvalued.


What is the profitability of CIA stock?

CITIZENS INC (CIA) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for CIA stock?

The Earnings per Share (EPS) of CITIZENS INC (CIA) is expected to decline by -31.25% in the next year.