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CITIZENS INC (CIA) Stock Fundamental Analysis

NYSE:CIA - US1747401008 - Common Stock

5.45 USD
+0.08 (+1.49%)
Last: 8/27/2025, 4:15:00 PM
5.45 USD
0 (0%)
After Hours: 8/27/2025, 4:15:00 PM
Fundamental Rating

3

CIA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. The financial health of CIA is average, but there are quite some concerns on its profitability. CIA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years CIA always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

With a Return On Assets value of 0.66%, CIA is not doing good in the industry: 62.24% of the companies in the same industry are doing better.
The Return On Equity of CIA (4.91%) is worse than 73.43% of its industry peers.
CIA's Return On Invested Capital of 0.58% is on the low side compared to the rest of the industry. CIA is outperformed by 60.84% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 4.91%
ROIC 0.58%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

CIA has a Profit Margin of 4.57%. This is in the lower half of the industry: CIA underperforms 62.94% of its industry peers.
CIA's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 4.83%, CIA is not doing good in the industry: 74.83% of the companies in the same industry are doing better.
CIA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 4.83%
PM (TTM) 4.57%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIA is destroying value.
CIA has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CIA has less shares outstanding
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.06
WACC8.92%
CIA Yearly LT Debt VS Equity VS FCFCIA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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3

3. Growth

3.1 Past

CIA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -49.21%.
CIA shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -26.17% yearly.
Looking at the last year, CIA shows a decrease in Revenue. The Revenue has decreased by -0.04% in the last year.
The Revenue has been decreasing by -0.44% on average over the past years.
EPS 1Y (TTM)-49.21%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%4.84%

3.2 Future

CIA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.53% yearly.
The Revenue is expected to grow by 3.46% on average over the next years.
EPS Next Y-31.25%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.46%
Revenue Next 2Y3.46%
Revenue Next 3YN/A
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.
CIA Yearly Revenue VS EstimatesCIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CIA Yearly EPS VS EstimatesCIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.1 0.2 0.3

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 24.77, the valuation of CIA can be described as rather expensive.
74.83% of the companies in the same industry are cheaper than CIA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CIA to the average of the S&P500 Index (27.08), we can say CIA is valued inline with the index average.
The Price/Forward Earnings ratio is 14.58, which indicates a correct valuation of CIA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CIA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.67. CIA is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 24.77
Fwd PE 14.58
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIA indicates a slightly more expensive valuation: CIA is more expensive than 62.94% of the companies listed in the same industry.
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 11.41
EV/EBITDA 19.01
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 2Y7.53%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CIA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CITIZENS INC

NYSE:CIA (8/27/2025, 4:15:00 PM)

After market: 5.45 0 (0%)

5.45

+0.08 (+1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05
Inst Owners20.51%
Inst Owner Change19.66%
Ins Owners2.45%
Ins Owner Change7.51%
Market Cap273.86M
Analysts84
Price Target5.1 (-6.42%)
Short Float %12.16%
Short Ratio17.66
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)31.19%
Min EPS beat(2)-159.41%
Max EPS beat(2)221.78%
EPS beat(4)1
Avg EPS beat(4)-0.7%
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)-1.78%
Min Revenue beat(2)-6.32%
Max Revenue beat(2)2.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.37%
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)-9.09%
PT rev (3m)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.26%
EPS NY rev (1m)2.33%
EPS NY rev (3m)-15.38%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)-0.37%
Revenue NY rev (1m)0.33%
Revenue NY rev (3m)-0.57%
Valuation
Industry RankSector Rank
PE 24.77
Fwd PE 14.58
P/S 1.11
P/FCF 11.41
P/OCF 11.06
P/B 1.2
P/tB 1.25
EV/EBITDA 19.01
EPS(TTM)0.22
EY4.04%
EPS(NY)0.37
Fwd EY6.86%
FCF(TTM)0.48
FCFY8.76%
OCF(TTM)0.49
OCFY9.04%
SpS4.89
BVpS4.56
TBVpS4.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 4.91%
ROCE 0.73%
ROIC 0.58%
ROICexc 0.58%
ROICexgc 0.6%
OM 4.83%
PM (TTM) 4.57%
GM N/A
FCFM 9.76%
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
ROICexcg growth 3Y41.5%
ROICexcg 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 67.53%
Cap/Sales 0.31%
Interest Coverage 250
Cash Conversion 190.45%
Profit Quality 213.42%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.92%
ROIC/WACC0.06
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)-49.21%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y-31.25%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%4.84%
Revenue Next Year2.46%
Revenue Next 2Y3.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-45.11%
EBIT growth 3Y36.42%
EBIT growth 5Y21.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.53%
FCF growth 3Y-7.51%
FCF growth 5Y-15.3%
OCF growth 1Y-47.06%
OCF growth 3Y-7.63%
OCF growth 5Y-15.06%