- $170.05m
- $143.71m
- $240.68m
- 53
- 97
- 96
- 96
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 8.35 | ||
| PEG Ratio (f) | 1.2 | ||
| EPS Growth (f) | 7.47% | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 0.89 | ||
| Price to Tang. Book | 0.94 | ||
| Price to Free Cashflow | 8.22 | ||
| Price to Sales | 0.69 | ||
| EV to EBITDA | 6.3 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 1.3% | ||
| Return on Equity | 12.97% | ||
| Operating Margin | 8.8% | ||
Financial Summary
| Year End 31st Dec | Unit | 2019 | 2020 | 2021 | 2022 | 2023 | 2024E | 2025E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $m | 250.54 | 238.86 | 250.55 | 232.52 | 240.68 | 249.92 | 260.35 | -0.27% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | n/a | n/a | n/a | -68 | -5.69 | -28.45 | +24.64 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
Citizens, Inc. is a diversified financial services company. The Company is providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the United States, Latin America, and Asia. The Company operates through two segments: Life Insurance, and Home Service Insurance. The Life Insurance segment sells United States dollar-denominated ordinary whole life insurance, endowment, and critical illness policies to non-United States residents, located principally in Latin America and the Pacific Rim, internationally. Also, this segment domestically sells whole life insurance, life insurance with living benefits, critical illness, credit life and disability products throughout the United States. Home Service Insurance segment sells final expense life insurance policies to middle- and lower-income households, as well as whole life products with higher allowable face values, in Louisiana, Mississippi and Arkansas.
Directors
- Jerry Davis NEC (71)
- Gerald Shields PRE (63)
- Jeffrey Conklin CFO (51)
- Chad Mellon CIO (54)
- Robert Mauldin CMO (60)
- James Eliasberg VPR (63)
- Harvey Waite VPR (61)
- Sheryl Kinlaw OTH
- Cindy Davis DRC
- J. Keith Morgan DRC
- Mary Taylor DRC
- Christopher Claus IND (60)
- E. Dean Gage IND (78)
- Francis Keating IND (77)
- Terry Maness IND (72)
- Robert Sloan IND (72)
- Last Annual
- December 31st, 2023
- Last Interim
- June 30th, 2024
- Incorporated
- November 8th, 1977
- Public Since
- December 4th, 1980
- No. of Shareholders
- 84,212
- No. of Employees
- 232
- Sector
- Insurance
- Industry
- Financials
- Exchange
New York Stock Exchange- Shares in Issue
- 49,868,613
- Address
- 11815 Alterra Pkwy, Suite 1500, AUSTIN, 78758
- Web
- https://www.citizensinc.com/
- Phone
- +1 5128377100
- Contact
- Jeff Christensen
- Auditors
- Grant Thornton LLP
Upcoming Events for CIA
Q3 2024 Citizens Inc Earnings Release
Q4 2024 Citizens Inc Earnings Release
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FAQ
What is the Citizens share price?
As of Today at 19:57 UTC, shares in Citizens are trading at $3.41. This share price information is delayed by 15 minutes.
How has the Citizens share price performed this year?
Shares in Citizens last closed at $3.41 and the price had moved by +14.05% over the past 365 days. In terms of relative price strength the Citizens share price has underperformed the S&P500 Index by -14.77% over the past year.
What are the analyst and broker recommendations for Citizens?
The overall consensus recommendation for Citizens is Strong Buy. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreWhat is the Citizens dividend yield?
Citizens does not currently pay a dividend.
Does Citizens pay a dividend?
Citizens does not currently pay a dividend.
When does Citizens next pay dividends?
Citizens does not currently pay a dividend.
How do I buy Citizens shares?
To buy shares in Citizens you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of Citizens?
As of the previous close price of $3.41, shares in Citizens had a market capitalisation of $170.05m.
Where are Citizens shares listed?
Here are the trading details for Citizens:
- Country of listing: United States
- Exchange: NYQ
- Ticker Symbol: CIA
What kind of share is Citizens?
Based on an overall assessment of its quality, value and momentum Citizens is currently classified as a Super Stock. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a Citizens share price forecast for 2024?
The analyst consensus target price for shares in Citizens is $3.85. That is 12.9% above the last closing price of $3.41.
Analysts covering Citizens currently have a consensus Earnings Per Share (EPS) forecast of $0.35 for the next financial year.
Find out moreWhat is the trend in the Citizens share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Citizens. Over the past six months, its share price has outperformed the S&P500 Index by +45.62%.
As of the last closing price of $3.41, shares in Citizens were trading +26.57% higher than their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the Citizens PE Ratio?
The Citizens PE ratio based on its reported earnings over the past 12 months is 8.35. The shares last closed at $3.41.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of Citizens?
Citizens' management team is headed by:
- Jerry Davis - NEC
- Gerald Shields - PRE
- Jeffrey Conklin - CFO
- Chad Mellon - CIO
- Robert Mauldin - CMO
- James Eliasberg - VPR
- Harvey Waite - VPR
- Sheryl Kinlaw - OTH
- Cindy Davis - DRC
- J. Keith Morgan - DRC
- Mary Taylor - DRC
- Christopher Claus - IND
- E. Dean Gage - IND
- Francis Keating - IND
- Terry Maness - IND
- Robert Sloan - IND