CIA Citizens, Inc.

NYSE · US · Financial Services · Insurance - Life · citizensinc.com

3.520USD-1.12%Mkt Cap: 178.26M $P/E: 16.00Today

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

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Key Statistics

Company

Market Cap178.26M USD

Enterprise Value163.87M USD

Revenue (TTM)255.01M USD

Gross Profit68.54M USD

Net Income (TTM)14.59M USD

Revenue/Share5.07 USD

Last Price3.520 USD

Fiscal Year EndDec 2025

MR QuarterJun 2026

Employees243

CountryUS

SectorFinancial Services

IndustryInsurance - Life

ISIN—

Valuation

P/E (Trailing)16.00

P/E (Forward)17.70

PEG1.21

EV/EBITDA10.97

EV/Revenue0.64

P/S0.70

P/B0.76

EPS (TTM)0.22

EPS (Forward)0.20

52W Range

3.3804% of range6.500

52W High6.500 USD

52W Low3.380 USD

Profitability

Gross Margin26.88%

Oper. Margin-0.88%

EBITDA Margin5.86%

Profit Margin5.71%

ROE6.21%

ROA0.83%

Growth

Revenue Growth-7.20%

Earnings Growth—

Cash Flow & Leverage

Operating CF17.99M USD

CapEx (TTM)447.00K USD

FCF Margin3.77%

FCF Yield5.39%

Net Debt-15.41M USD

Net Debt/EBITDA-1.03

Balance Sheet

Debt/Equity—

Current Ratio0.64

Quick Ratio0.27

Book Value/Sh4.64 USD

Cash/Share0.30 USD

Dividends

Fwd Div Rate—

Trail. Div Rate0.00 USD

Div. Yield0.00%

5Y Avg Yield—

Payout Ratio0.00%

Ex-Div Date—

Pay Date—

Splits

Last Split107:100

Split DateDec 13, 2005

Analyst Consensus

Rating—

Target (Mean)5.250 USD

Upside (mean)+49.1%

Target Range5.000 USD – 5.500 USD

5.000+49.1% to mean5.500

# Analysts2

Ownership

Shares Out.50.64M

Float45.13M

Insiders11.56%

Institutions30.57%

Short Interest

Short Ratio37.3d

Short % Float9.20%

Short % Out.9.00%

Shares Short4.56M

Short (prev mo.)4.38M

Technical

SMA 503.939 (-10.6%)

SMA 2005.024 (-29.9%)

Beta0.43

S&P 52W Chg14.58%

Avg Vol (30d)118.46K

Avg Vol (10d)108.02K

Technical Indicators

RSI (14)40.7

MACD-0.1196

MACD Signal-0.1459

MACD Hist.+0.0263

BB Upper3.689 USD

BB Middle3.563 USD

BB Lower3.436 USD

BB Width7.11%

ATR (14)0.1743 USD

Vol Ratio (20d)0.77x