Citizens, Inc. (CIA)
NYSE: CIA · Real-Time Price · USD
3.890
+0.090 (2.37%)
Aug 10, 2026, 1:09 PM EDT - Market open

Citizens Statistics

Total Valuation

Citizens has a market cap or net worth of $197.00 million. The enterprise value is $181.60 million.

Market Cap197.00M
Enterprise Value 181.60M

Important Dates

The next estimated earnings date is Friday, November 6, 2026, after market close.

Earnings Date Nov 6, 2026
Ex-Dividend Date n/a

Share Statistics

Citizens has 50.64 million shares outstanding. The number of shares has increased by 2.08% in one year.

Current Share Class 50.64M
Shares Outstanding 50.64M
Shares Change (YoY) +2.08%
Shares Change (QoQ) +0.47%
Owned by Insiders (%) 2.58%
Owned by Institutions (%) 28.89%
Float 45.09M

Valuation Ratios

The trailing PE ratio is 17.31 and the forward PE ratio is 26.89.

PE Ratio 17.31
Forward PE 26.89
PS Ratio 0.75
Forward PS 0.72
PB Ratio 0.82
P/TBV Ratio 0.82
P/FCF Ratio 12.86
P/OCF Ratio 12.42
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.85, with an EV/FCF ratio of 11.83.

EV / Earnings 15.26
EV / Sales 0.69
EV / EBITDA 11.85
EV / EBIT 12.48
EV / FCF 11.83

Financial Position

The company has a current ratio of 0.64

Current Ratio 0.64
Quick Ratio 0.27
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 5.00% and return on invested capital (ROIC) is 4.90%.

Return on Equity (ROE) 5.00%
Return on Assets (ROA) 0.51%
Return on Invested Capital (ROIC) 4.90%
Return on Capital Employed (ROCE) 0.86%
Weighted Average Cost of Capital (WACC) 6.76%
Revenue Per Employee $1.04M
Profits Per Employee $47,146
Employee Count246
Asset Turnover 0.15
Inventory Turnover n/a

Taxes

In the past 12 months, Citizens has paid $2.59 million in taxes.

Income Tax 2.59M
Effective Tax Rate 18.25%

Stock Price Statistics

The stock price has decreased by -15.50% in the last 52 weeks. The beta is 0.46, so Citizens's price volatility has been lower than the market average.

Beta (5Y) 0.46
52-Week Price Change -15.50%
50-Day Moving Average 5.34
200-Day Moving Average 5.37
Relative Strength Index (RSI) 20.50
Average Volume (20 Days) 124,201

Short Selling Information

The latest short interest is 3.82 million, so 7.55% of the outstanding shares have been sold short.

Short Interest 3.82M
Short Previous Month 3.71M
Short % of Shares Out 7.55%
Short % of Float 8.48%
Short Ratio (days to cover) 26.58

Income Statement

In the last 12 months, Citizens had revenue of $255.01 million and earned $11.60 million in profits. Earnings per share was $0.22.

Revenue255.01M
Gross Profit 68.54M
Operating Income 14.19M
Pretax Income 14.19M
Net Income 11.60M
EBITDA 14.94M
EBIT 14.19M
Earnings Per Share (EPS) $0.22
Full Income Statement

Balance Sheet

The company has $15.41 million in cash and no debt, with a net cash position of $15.41 million or $0.30 per share.

Cash & Cash Equivalents 15.41M
Total Debt n/a
Net Cash 15.41M
Net Cash Per Share $0.30
Equity (Book Value) 235.16M
Book Value Per Share 4.64
Working Capital -34.64M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $15.49 million and capital expenditures -$525,000, giving a free cash flow of $14.97 million.

Operating Cash Flow 15.49M
Capital Expenditures -525,000
Depreciation & Amortization n/a
Net Borrowing n/a
Free Cash Flow 14.97M
FCF Per Share $0.30
Full Cash Flow Statement

Margins

Gross margin is 26.88%, with operating and profit margins of 5.56% and 4.55%.

Gross Margin 26.88%
Operating Margin 5.56%
Pretax Margin 5.56%
Profit Margin 4.55%
EBITDA Margin 5.86%
EBIT Margin 5.56%
FCF Margin 5.87%

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 -2.08%
Shareholder Yield -2.08%
Earnings Yield 6.03%
FCF Yield 7.78%

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) 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