Citizens, Inc.
General ticker "CIA" information:
- Sector: Financials
- Industry: Insurance - Life
- Capitalization: $229.8M (TTM average)
Citizens, Inc. follows the US Stock Market performance with the rate: 50.9%.
Estimated limits based on current volatility of 3.4%: low 5.19$, high 5.55$
Factors to consider:
- Total employees count: 250 (+7.8%) as of 2024
- Top business risk factors: Geopolitical risks, Regulatory and compliance, Cybersecurity threats, Operational and conduct risks, Economic downturns and volatility
- Price in estimated range
- Earnings for 9 months up through Q3 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [3.45$, 5.38$]
- 2025-12-31 to 2026-12-31 estimated range: [3.60$, 5.63$]
Financial Metrics affecting the CIA estimates:
- Positive: with PPE of 13.7 at the end of fiscal year the price was very low
- Positive: -5.02 < Operating profit margin, % of 6.11
- Positive: Operating cash flow per share per price, % of 14.44 > 12.91
- Positive: Industry operating cash flow per share per price (median), % of 13.88 > 10.14
- Positive: Interest expense per share per price, % of 0 <= 0.01
- Negative: Shareholder equity ratio, % of 12.48 <= 19.35
- Positive: Industry operating profit margin (median), % of 9.66 > 9.53
- Positive: -14.19 < Investing cash flow per share per price, % of -12.30
- Positive: Inventory ratio change, % of 0 <= 0
Short-term CIA quotes
Long-term CIA plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $232.52MM | $240.68MM | $245.00MM |
| Operating Expenses | $205.15MM | $47.13MM | $230.02MM |
| Operating Income | $27.38MM | $193.55MM | $14.98MM |
| Non-Operating Income | $0.00MM | $-167.38MM | $0.00MM |
| Income(Loss) | $27.38MM | $26.17MM | $14.98MM |
| Taxes | $1.37MM | $1.74MM | $0.07MM |
| Profit(Loss)* | $-6.64MM | $24.44MM | $14.91MM |
| Stockholders Equity | $127.79MM | $172.13MM | $210.35MM |
| Assets | $1,590.70MM | $1,668.93MM | $1,685.33MM |
| Operating Cash Flow | $56.92MM | $22.06MM | $31.92MM |
| Capital expenditure | $0.10MM | $0.44MM | $0.66MM |
| Investing Cash Flow | $-60.74MM | $-14.50MM | $-27.17MM |
| Financing Cash Flow | $-0.50MM | $-3.54MM | $-2.47MM |
| Earnings Per Share** | $-0.13 | $0.49 | $0.27 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.