Citizens, Inc. ($1.00 Par) (CIA): Price and Financial Metrics

Citizens, Inc. ($1.00 Par) (CIA): $2.85

0.14 (-4.68%)

POWR Rating

Component Grades








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Industry: Insurance - Life




#10 of 27

in industry

CIA Price/Volume Stats

Current price $2.85 52-week high $4.00
Prev. close $2.99 52-week low $1.64
Day low $2.81 Volume 124,900
Day high $3.05 Avg. volume 63,176
50-day MA $2.93 Dividend yield N/A
200-day MA $2.61 Market Cap 141.41M

CIA Stock Price Chart Interactive Chart >


  • CIA scores best on the Growth dimension, with a Growth rank ahead of 98.46% of US stocks.
  • CIA's strongest trending metric is Growth; it's been moving up over the last 161 days.
  • CIA's current lowest rank is in the Sentiment metric (where it is better than 11.42% of US stocks).

CIA Stock Summary

  • For CIA, its debt to operating expenses ratio is greater than that reported by just 0.33% of US equities we're observing.
  • CIA's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 97.7% of US stocks.
  • Over the past twelve months, CIA has reported earnings growth of -172.79%, putting it ahead of just 8.18% of US stocks in our set.
  • Stocks that are quantitatively similar to CIA, based on their financial statements, market capitalization, and price volatility, are HRTG, GLBZ, FCAP, NWLI, and UFCS.
  • CIA's SEC filings can be seen here. And to visit CITIZENS INC's official web site, go to

CIA Valuation Summary

  • In comparison to the median Financial Services stock, CIA's price/sales ratio is 73.91% lower, now standing at 0.6.
  • Over the past 243 months, CIA's price/sales ratio has gone down 2.7.

Below are key valuation metrics over time for CIA.

Stock Date P/S P/B P/E EV/EBIT
CIA 2023-09-15 0.6 1.0 16.1 12.4
CIA 2023-09-14 0.6 1.0 16.6 12.9
CIA 2023-09-13 0.7 1.1 16.8 13.0
CIA 2023-09-12 0.6 1.0 16.4 12.7
CIA 2023-09-11 0.6 1.0 16.1 12.4
CIA 2023-09-08 0.6 1.0 16.3 12.6

CIA Growth Metrics

    Its 3 year revenue growth rate is now at 0.58%.
  • The 2 year cash and equivalents growth rate now stands at -39.05%.
  • Its year over year net cashflow from operations growth rate is now at 38.95%.
Over the past 49 months, CIA's revenue has gone down $11,111,000.

The table below shows CIA's growth in key financial areas (numbers in millions of US dollars).

Date Revenue Operating Cash Flow Net Income to Common Stock
2022-09-30 235.188 56.448 28.125
2022-06-30 240.596 53.824 30.457
2022-03-31 250.42 50.786 39.027
2021-12-31 250.546 40.455 36.787
2021-09-30 245.593 38.588 0.188
2021-06-30 243.834 29.26 -4.928

CIA's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.
  • CIA has a Quality Grade of C, ranking ahead of 35.94% of graded US stocks.
  • CIA's asset turnover comes in at 0.134 -- ranking 103rd of 133 Insurance stocks.
  • DGICA, JRVR, and ESNT are the stocks whose asset turnover ratios are most correlated with CIA.

The table below shows CIA's key quality metrics over time.

Period Asset Turnover Gross Margin ROIC
2021-06-30 0.134 0.359 -0.004
2021-03-31 0.131 0.344 -0.007
2020-12-31 0.132 0.344 -0.007
2020-09-30 0.137 0.358 -0.003
2020-06-30 0.140 0.370 0.003
2020-03-31 0.141 0.363 0.001

Citizens, Inc. ($1.00 Par) (CIA) Company Bio

Citizens, Inc. provides life insurance products in the United States and internationally. The company’s Life Insurance segment offers ordinary whole-life, burial insurance, pre-need, and accident and health related policies in the Midwest and southern United States, as well as ordinary whole-life policies and endowment policies to non-U.S. residents. The company was founded in 1969 and is based in Austin, Texas.

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Latest CIA News From Around the Web

Below are the latest news stories about CITIZENS INC that investors may wish to consider to help them evaluate CIA as an investment opportunity.

Citizens, Inc. Announces Plans for Upcoming Investor Conferences

Emerging Growth Virtual Conference on September 6, 2023Singular Research Autumn Equinox Webinar on September 14, 2023LD Micro 16th Annual Main Event Conference in Los Angeles on October 3, 2023Austin, Texas--(Newsfile Corp. - September 6, 2023) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, announced today management's plan for participation in upcoming investor conferences.Emerging Growth Virtual

Yahoo | September 6, 2023

Presenting on the Emerging Growth Conference on September 6 and 7 Register Now

MIAMI, Sept. 05, 2023 (GLOBE NEWSWIRE) -- a leading independent small cap media portal announces the schedule of the 62nd Emerging Growth Conference on September 6 & 7, 2023. The Emerging Growth Conference identifies companies in a wide range of growth sectors, with strong management teams, innovative products & services, focused strategy, execution, and the overall potential for long-term growth. Register for the conference here. Submit Questions for any of the presenting com

Yahoo | September 5, 2023

Citizens, Inc. Commemorates AM Best Initiated Financial Strength and Credit Ratings on Citizens' CICA Life Insurance Company of America at the New York Stock Exchange

Citizens Rings The Opening Bell(R) at The New York Stock Exchange on August 18, 2023 at Approximately 9:26 AM Eastern Time Austin, Texas--(Newsfile Corp. - August 16, 2023) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, announced today the Company will ring The Opening Bell® at the New York Stock Exchange to commensurate AM Best Rating Services, Inc. initiated ratings on CICA Life ...

Yahoo | August 16, 2023

Sidoti Events, LLC’s Virtual August Micro-Cap Conference

Sidoti Events, LLC, an affiliate of Sidoti & Company, LLC, has released the presentation schedule and weblinks for its two-day August Micro-Cap Conference taking place Wednesday and Thursday, August 16-17, 2023. The presentation schedule is subject to change.

Yahoo | August 15, 2023

Citizens, Inc. Reports Second Quarter 2023 Financial Results

Austin, Texas--(Newsfile Corp. - August 4, 2023) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported financial results for the second quarter ended June 30, 2023. Second Quarter 2023 Financial HighlightsNet income increased to $6.1 million in Q2 2023, from $2.5 million in Q2 2022. Earnings per share increased to $0.12 in Q2 2023, from $0.05 in the year-ago quarter.Total revenues ...

Yahoo | August 4, 2023

Read More 'CIA' Stories Here

CIA Price Returns

1-mo -5.63%
3-mo N/A
6-mo -19.94%
1-year -14.67%
3-year -49.56%
5-year -65.91%
YTD 33.80%
2022 -59.89%
2021 -7.33%
2020 -15.11%
2019 -10.24%
2018 2.31%

Continue Researching CIA

Want to see what other sources are saying about Citizens Inc's financials and stock price? Try the links below:

Citizens Inc (CIA) Stock Price | Nasdaq
Citizens Inc (CIA) Stock Quote, History and News - Yahoo Finance
Citizens Inc (CIA) Stock Price and Basic Information | MarketWatch

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