CIA Fundamental Analysis - CITIZENS INC

Fundamental Rating

Overall CIA gets a fundamental rating of 3 out of 10. We evaluated CIA against 148 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.

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1. Profitability

1.1 Basic Checks

In the past year CIA was profitable.

CIA had a positive operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: CIA reported negative net income in multiple years.

CIA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.62%, CIA is doing worse than 66.89% of the companies in the same industry.

With a Return On Equity value of 4.82%, CIA is not doing good in the industry: 72.97% of the companies in the same industry are doing better.

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 67.57% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 4.40%, CIA is doing worse than 68.92% of the companies in the same industry.

CIA's Profit Margin has declined in the last couple of years.

The Operating Margin of CIA (5.39%) is worse than 75.00% of its industry peers.

CIA's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIA is destroying value.

Compared to 1 year ago, CIA has more shares outstanding

CIA has less shares outstanding than it did 5 years ago.

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.

2.2 Solvency

CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACC0.07

WACC8.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

The earnings per share for CIA have been decreasing by -26.17% on average. This is quite bad

CIA shows a decrease in Revenue. In the last year, the revenue decreased by -0.55%.

Measured over the past years, CIA shows a decrease in Revenue. The Revenue has been decreasing by -0.44% on average per year.

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

The Earnings Per Share is expected to grow by 4.00% on average over the next years.

Based on estimates for the next years, CIA will show a small growth in Revenue. The Revenue will grow by 3.51% on average per year.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 23.00, which indicates a rather expensive current valuation of CIA.

71.62% of the companies in the same industry are cheaper than CIA, based on the Price/Earnings ratio.

CIA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 15.94, CIA is valued correctly.

Based on the Price/Forward Earnings ratio, CIA is valued a bit more expensive than 62.84% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.13. CIA is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	23
Fwd PE	15.94

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CIA is valued a bit more expensive than the industry average as 61.49% of the companies are valued more cheaply.

The rest of the industry has a similar Price/Free Cash Flow ratio as CIA.

		Industry Rank	Sector Rank
P/FCF	12.55
EV/EBITDA	15.2

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

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5. Dividend

5.1 Amount

No dividends for CIA!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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CITIZENS INC

NYSE:CIA (12/31/2025, 8:04:00 PM)

After market: 4.83 0 (0%)

4.83

-0.33 (-6.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-06 2025-11-06/amc

Earnings (Next)03-11 2026-03-11

Inst Owners26.18%

Inst Owner Change7.56%

Ins Owners2.46%

Ins Owner Change0.12%

Market Cap242.95M

Revenue(TTM)247.02M

Net Income(TTM)10.87M

Analysts84

Price Target6.12 (26.71%)

Short Float %9.84%

Short Ratio39.36

Dividend

		Industry Rank	Sector 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)20%

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)-1.07%

Revenue NY rev (1m)-0.55%

Revenue NY rev (3m)-0.55%

Valuation

		Industry Rank	Sector Rank
PE	23
Fwd PE	15.94
P/S	0.98
P/FCF	12.55
P/OCF	12.26
P/B	1.08
P/tB	1.12
EV/EBITDA	15.2

EPS(TTM)0.21

EY4.35%

EPS(NY)0.3

Fwd EY6.27%

FCF(TTM)0.38

FCFY7.97%

OCF(TTM)0.39

OCFY8.15%

SpS4.91

BVpS4.49

TBVpS4.3

PEG (NY)N/A

PEG (5Y)N/A

Graham Number4.6

Profitability

		Industry Rank	Sector 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-Score5

Asset Turnover0.14

Health

		Industry Rank	Sector 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-Score5

WACC8.78%

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.

CITIZENS INC (CIA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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CITIZENS INC / CIA FAQ

What is the fundamental rating for CIA stock?

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

What is the profitability of CIA stock?

Can you provide the expected EPS growth for CIA stock?