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

CIA POWR Grades

• 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 www.citizensinc.com.

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.

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.