Citizens, Inc. (CIA)
NYSE: CIA · Real-Time Price · USD
4.660
-0.250 (-5.09%)
At close: Mar 28, 2025, 4:00 PM
4.669
+0.009 (0.20%)
After-hours: Mar 28, 2025, 4:25 PM EDT

Citizens Statistics

Total Valuation

Citizens has a market cap or net worth of $232.57 million. The enterprise value is $212.64 million.

Market Cap 232.57M
Enterprise Value 212.64M

Important Dates

The last earnings date was Thursday, March 13, 2025, after market close.

Earnings Date Mar 13, 2025
Ex-Dividend Date n/a

Share Statistics

Citizens has 49.91 million shares outstanding. The number of shares has increased by 0.13% in one year.

Current Share Class 49.91M
Shares Outstanding 49.91M
Shares Change (YoY) +0.13%
Shares Change (QoQ) +1.51%
Owned by Insiders (%) 2.18%
Owned by Institutions (%) 17.11%
Float 44.70M

Valuation Ratios

The trailing PE ratio is 16.07 and the forward PE ratio is 15.03.

PE Ratio 16.07
Forward PE 15.03
PS Ratio 0.95
Forward PS 0.90
PB Ratio 1.11
P/TBV Ratio 1.11
P/FCF Ratio 7.44
P/OCF Ratio 7.29
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 13.63, with an EV/FCF ratio of 6.80.

EV / Earnings 14.26
EV / Sales 0.87
EV / EBITDA 13.63
EV / EBIT 14.19
EV / FCF 6.80

Financial Position

The company has a current ratio of 0.70, with a Debt / Equity ratio of 0.04.

Current Ratio 0.70
Quick Ratio 0.42
Debt / Equity 0.04
Debt / EBITDA 0.50
Debt / FCF 0.25
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 7.80% and return on invested capital (ROIC) is 4.80%.

Return on Equity (ROE) 7.80%
Return on Assets (ROA) 0.56%
Return on Invested Capital (ROIC) 4.80%
Return on Capital Employed (ROCE) 0.94%
Revenue Per Employee $980,004
Profits Per Employee $59,648
Employee Count 250
Asset Turnover 0.15
Inventory Turnover n/a

Taxes

In the past 12 months, Citizens has paid $68,000 in taxes.

Income Tax 68,000
Effective Tax Rate 0.45%

Stock Price Statistics

The stock price has increased by +118.78% in the last 52 weeks. The beta is 0.11, so Citizens's price volatility has been lower than the market average.

Beta (5Y) 0.11
52-Week Price Change +118.78%
50-Day Moving Average 4.93
200-Day Moving Average 3.98
Relative Strength Index (RSI) 44.95
Average Volume (20 Days) 113,057

Short Selling Information

The latest short interest is 4.44 million, so 8.90% of the outstanding shares have been sold short.

Short Interest 4.44M
Short Previous Month 4.30M
Short % of Shares Out 8.90%
Short % of Float 9.94%
Short Ratio (days to cover) 40.78

Income Statement

In the last 12 months, Citizens had revenue of $245.00 million and earned $14.91 million in profits. Earnings per share was $0.29.

Revenue 245.00M
Gross Profit 67.25M
Operating Income 14.98M
Pretax Income 21.64M
Net Income 14.91M
EBITDA 15.60M
EBIT 14.98M
Earnings Per Share (EPS) $0.29
Full Income Statement

Balance Sheet

The company has $27.72 million in cash and $7.79 million in debt, giving a net cash position of $19.93 million or $0.40 per share.

Cash & Cash Equivalents 27.72M
Total Debt 7.79M
Net Cash 19.93M
Net Cash Per Share $0.40
Equity (Book Value) 210.36M
Book Value Per Share 4.21
Working Capital -28.12M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $31.92 million and capital expenditures -$663,000, giving a free cash flow of $31.26 million.

Operating Cash Flow 31.92M
Capital Expenditures -663,000
Free Cash Flow 31.26M
FCF Per Share $0.63
Full Cash Flow Statement

Margins

Gross margin is 27.45%, with operating and profit margins of 6.11% and 6.09%.

Gross Margin 27.45%
Operating Margin 6.11%
Pretax Margin 6.11%
Profit Margin 6.09%
EBITDA Margin 6.37%
EBIT Margin 6.11%
FCF Margin 12.76%

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 -0.13%
Shareholder Yield -0.13%
Earnings Yield 6.41%
FCF Yield 13.44%

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

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