Citizens, Inc.
General ticker "CIA" information:
- Sector: Financials
- Industry: Insurance - Life
- Capitalization: $272.7M (TTM average)
Citizens, Inc. does not follow the US Stock Market performance with the rate: -17.6%.
Estimated limits based on current volatility of 1.8%: low 3.39$, high 3.51$
Factors to consider:
- Total employees count: 243 (-2.8%) as of 2025
- Top business risk factors: Geopolitical risks, Political instability, Currency fluctuations, Valuation assumptions, Claims mismanagement
- Current price 18.0% below estimated low
- Earnings for 6 months up through Q2 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [4.20$, 5.89$]
- 2026-12-31 to 2027-12-31 estimated range: [4.01$, 5.75$]
Financial Metrics affecting the CIA estimates:
- Positive: with PPE of 15.6 at the end of fiscal year the price was neutral
- Positive: 4.60 < Operating profit margin, % of 6.83
- Positive: 6.77 < Operating cash flow per share per price, % of 6.97
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.82
- Positive: 11.51 < Industry operating cash flow per share per price (median), % of 16.19
- Positive: Inventory ratio change, % of -10.21 <= -3.92
- Positive: 12.78 < Shareholder equity ratio, % of 13.39 <= 25.20
- Positive: 5.41 < Industry operating profit margin (median), % of 7.63
- Positive: Industry earnings per price (median), % of 10.63 > 6.58
- Positive: Interest expense per share per price, % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -7.62 <= -7.11
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CIA quotes
Long-term CIA plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $240.68MM | $245.00MM | $255.62MM |
| Operating Expenses | $47.13MM | $230.02MM | $238.15MM |
| Operating Income | $193.55MM | $14.98MM | $17.47MM |
| Non-Operating Income | $-167.38MM | $0.00MM | $0.00MM |
| Income(Loss) | $26.17MM | $14.98MM | $17.47MM |
| Taxes | $1.74MM | $0.07MM | $2.88MM |
| Net Income(Loss)* | $24.44MM | $14.91MM | $14.59MM |
| Stockholders Equity | $172.13MM | $210.35MM | $234.99MM |
| Assets | $1,668.93MM | $1,685.33MM | $1,754.76MM |
| Operating Cash Flow | $22.06MM | $31.92MM | $17.99MM |
| Capital expenditure | $0.44MM | $0.66MM | $0.45MM |
| Investing Cash Flow | $-14.50MM | $-27.17MM | $-19.67MM |
| Financing Cash Flow | $-3.54MM | $-2.47MM | $-4.61MM |
| Earnings Per Share** | $0.49 | $0.29 | $0.29 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.