Citizens, Inc.
General ticker "CIA" information:
- Sector: Financials
- Industry: Insurance - Life
- Capitalization: $229.8M (TTM average)
Citizens, Inc. follows the US Stock Market performance with the rate: 52.4%.
Estimated limits based on current volatility of 2.5%: low 5.32$, high 5.60$
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
- Earnings for 12 months up through Q4 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$, 5.29$]
- 2025-12-31 to 2026-12-31 estimated range: [3.59$, 5.54$]
Financial Metrics affecting the CIA estimates:
- Positive: with PPE of 13.7 at the end of fiscal year the price was very low
- Positive: Operating cash flow per share per price, % of 14.39 > 12.96
- Positive: -4.72 < Operating profit margin, % of 6.11
- Positive: Industry operating cash flow per share per price (median), % of 11.70 > 10.31
- Positive: -3.36 < Return on assets ratio (scaled to [-100,100]) of 0.88
- Positive: 3.02 < Industry operating profit margin (median), % of 9.66
- Negative: Shareholder equity ratio, % of 12.48 <= 19.49
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -12.25 <= -4.45
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 |
| Profit(Loss)* | $24.44MM | $14.91MM | $14.59MM |
| Stockholders Equity | $172.13MM | $210.35MM | $234.99MM |
| Assets | $1,668.93MM | $1,685.33MM | $245.83MM |
| 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 | $0.27 | $0.29 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.