Citizens, Inc. (CIA)
NYSE: CIA · Real-Time Price · USD
5.35
+0.19 (3.68%)
At close: Dec 15, 2025, 4:00 PM EST
5.35
0.00 (0.00%)
After-hours: Dec 15, 2025, 6:30 PM EST

Citizens Statistics

Total Valuation

Citizens has a market cap or net worth of $269.09 million. The enterprise value is $247.52 million.

Market Cap269.09M
Enterprise Value 247.52M

Important Dates

The last earnings date was Thursday, November 6, 2025, after market close.

Earnings Date Nov 6, 2025
Ex-Dividend Date n/a

Share Statistics

Citizens has 50.30 million shares outstanding. The number of shares has increased by 1.63% in one year.

Current Share Class 50.30M
Shares Outstanding 50.30M
Shares Change (YoY) +1.63%
Shares Change (QoQ) +1.15%
Owned by Insiders (%) 2.10%
Owned by Institutions (%) 26.22%
Float 45.12M

Valuation Ratios

The trailing PE ratio is 25.47 and the forward PE ratio is 19.11.

PE Ratio 25.47
Forward PE 19.11
PS Ratio 1.08
Forward PS 1.03
PB Ratio 1.19
P/TBV Ratio 1.19
P/FCF Ratio 13.96
P/OCF Ratio 13.65
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 17.64, with an EV/FCF ratio of 12.84.

EV / Earnings 22.76
EV / Sales 1.00
EV / EBITDA 17.64
EV / EBIT 18.58
EV / FCF 12.84

Financial Position

The company has a current ratio of 0.79

Current Ratio 0.79
Quick Ratio 0.48
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 5.02% and return on invested capital (ROIC) is 3.84%.

Return on Equity (ROE) 5.02%
Return on Assets (ROA) 0.48%
Return on Invested Capital (ROIC) 3.84%
Return on Capital Employed (ROCE) 0.81%
Revenue Per Employee $988,080
Profits Per Employee $43,496
Employee Count250
Asset Turnover 0.14
Inventory Turnover n/a

Taxes

In the past 12 months, Citizens has paid $2.45 million in taxes.

Income Tax 2.45M
Effective Tax Rate 18.38%

Stock Price Statistics

The stock price has increased by +29.23% in the last 52 weeks. The beta is 0.36, so Citizens's price volatility has been lower than the market average.

Beta (5Y) 0.36
52-Week Price Change +29.23%
50-Day Moving Average 5.56
200-Day Moving Average 4.67
Relative Strength Index (RSI) 49.00
Average Volume (20 Days) 100,949

Short Selling Information

The latest short interest is 4.32 million, so 8.59% of the outstanding shares have been sold short.

Short Interest 4.32M
Short Previous Month 4.21M
Short % of Shares Out 8.59%
Short % of Float 9.58%
Short Ratio (days to cover) 38.03

Income Statement

In the last 12 months, Citizens had revenue of $247.02 million and earned $10.87 million in profits. Earnings per share was $0.21.

Revenue247.02M
Gross Profit 64.96M
Operating Income 13.32M
Pretax Income 13.32M
Net Income 10.87M
EBITDA 14.03M
EBIT 13.32M
Earnings Per Share (EPS) $0.21
Full Income Statement

Balance Sheet

The company has $21.57 million in cash and n/a in debt, giving a net cash position of $21.57 million or $0.43 per share.

Cash & Cash Equivalents 21.57M
Total Debt n/a
Net Cash 21.57M
Net Cash Per Share $0.43
Equity (Book Value) 225.60M
Book Value Per Share 4.49
Working Capital -19.71M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $19.72 million and capital expenditures -$445,000, giving a free cash flow of $19.27 million.

Operating Cash Flow 19.72M
Capital Expenditures -445,000
Free Cash Flow 19.27M
FCF Per Share $0.38
Full Cash Flow Statement

Margins

Gross margin is 26.30%, with operating and profit margins of 5.39% and 4.40%.

Gross Margin 26.30%
Operating Margin 5.39%
Pretax Margin 5.39%
Profit Margin 4.40%
EBITDA Margin 5.68%
EBIT Margin 5.39%
FCF Margin 7.80%

Dividends & Yields

Citizens does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -1.63%
Shareholder Yield -1.63%
Earnings Yield 4.04%
FCF Yield 7.16%

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on December 13, 2005. It was a forward split with a ratio of 1.07:1.

Last Split Date Dec 13, 2005
Split Type Forward
Split Ratio 1.07:1

Scores

Altman Z-Score n/a
Piotroski F-Score 5