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CIACitizens, Inc.
NYSE · US · Financial Services · Insurance - Life · citizensinc.com
3.830USD-1.03%Mkt Cap: 195.99M $P/E: 17.59

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
Screen all
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Manulife Financial Corporation
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MET
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$60.44BUSDP/E 18.2
GWO
Great-West Lifeco Inc.
$58.49BUSDP/E 18.5
AFL
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$58.24BUSDP/E 12.5
PRU
Prudential Financial, Inc.
$42.17BUSDP/E 11.1
POW
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PRU
PRUDENTIAL PLC R
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PRU
Prudential plc
$32.22BUSDP/E 9.0
UNM
Unum Group
$14.00BUSDP/E 20.3
GL
Globe Life Inc.
$13.31BUSDP/E 11.4
PRI
Primerica, Inc.
$9.17BUSDP/E 12.0
JXN
Jackson Financial Inc. Class A Common Stock
$8.88BUSDP/E 145.6
LNC
Lincoln National Corp
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CNO
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$4.93BUSDP/E 18.4
ELF
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GNW
Genworth Financial, Inc.
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FG
F&G Annuities & Life Inc. Common Stock
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BHF
Brighthouse Financial, Inc.
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WUW
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ANHYT
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Key Statistics

Company
Market Cap195.99M $
Enterprise Value177.04M $
Revenue (TTM)255.01M $
Gross Profit68.54M $
Net Income (TTM)14.59M $
Revenue/Share5.065 USD
Last Price3.830 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees243
CountryUS
SectorFinancial Services
IndustryInsurance - Life
ISIN—
Valuation
P/E (Trailing)17.59
P/E (Forward)19.00
PEG1.21
EV/EBITDA11.85
EV/Revenue0.69
P/S0.75
P/B0.82
EPS (TTM)0.22
EPS (Forward)0.20
52W Range
3.5609% of range6.500
52W High6.500 USD
52W Low3.560 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 $
CapEx (TTM)447.00K $
FCF Margin3.77%
FCF Yield4.90%
Net Debt-15.41M $
Net Debt/EBITDA-1.03
Balance Sheet
Debt/Equity—
Current Ratio0.64
Quick Ratio0.27
Book Value/Sh4.644 USD
Cash/Share0.3040 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
Rating0.0 (Hold)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)5.000 USD
Upside (mean)+30.5%
Target Range5.000 USD – 5.000 USD
# Analysts1
Ownership
Shares Out.50.64M
Float45.15M
Insiders11.54%
Institutions30.56%
Short Interest
Short Ratio38.0d
Short % Float8.34%
Short % Out.8.15%
Shares Short4.13M
Short (prev mo.)3.75M
Technical
SMA 505.111 (-25.1%)
SMA 2005.304 (-27.8%)
Beta0.46
S&P 52W Chg18.16%
Avg Vol (30d)125.39K
Avg Vol (10d)203.24K
Technical Indicators
RSI (14)28.7
MACD-0.4040
MACD Signal-0.3664
MACD Hist.-0.0376
BB Upper5.447 USD
BB Middle4.436 USD
BB Lower3.424 USD
BB Width45.61%
ATR (14)0.2810 USD
Vol Ratio (20d)0.94x