tiprankstipranks
Trending News
More News >
Citizens (CIA)
NYSE:CIA
Advertisement

Citizens (CIA) AI Stock Analysis

Compare
198 Followers

Top Page

CIA

Citizens

(NYSE:CIA)

Rating:65Neutral
Price Target:
$5.00
▼(-4.40% Downside)
The stock's overall score is driven by strong technical momentum and a solid financial base with no debt. However, the valuation appears stretched, and declining profitability and cash flow generation are concerns. The absence of dividend yield further impacts the valuation score.

Citizens (CIA) vs. SPDR S&P 500 ETF (SPY)

Citizens Business Overview & Revenue Model

Company DescriptionCitizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
How the Company Makes MoneyCitizens generates revenue through several key streams, including interest income from loans and mortgages, fees from banking services such as account maintenance and transaction processing, and premiums from insurance products. The company also earns revenue from wealth management services, which may include advisory fees and commissions on investment products. Significant partnerships with other financial institutions and technology providers enhance its service offerings and customer reach, contributing to its overall earnings.

Citizens Financial Statement Overview

Summary
Citizens exhibits a stable revenue trend with a strong equity base and no debt, indicating financial strength. However, profitability metrics have declined, and cash flow generation has weakened, highlighting areas for improvement in maintaining profitability and enhancing cash flow efficiency.
Income Statement
65
Positive
The revenue has shown a relatively stable trend with a slight growth in the recent year by 1.79%. The gross profit margin remains at 100% due to the nature of the insurance industry, where total revenue equals gross profit. However, the net profit margin has fluctuated, showing a decline in the most recent year to 6.09% from 10.15% in the previous year. The EBIT and EBITDA margins are not meaningful in the most recent year due to zero EBIT and EBITDA.
Balance Sheet
70
Positive
The company exhibits a strong equity position with a high equity ratio of 94.73% in the most recent year. The absence of total debt in the latest fiscal year indicates a conservative capital structure. The debt-to-equity ratio is 0, which reflects no leverage risk. Return on equity is positive at 7.09%, signaling profitability but has decreased from the previous year. The company's balance sheet is robust but shows a decrease in total assets and stockholders' equity.
Cash Flow
60
Neutral
The free cash flow growth rate dropped significantly by 72.94% compared to the previous year, reflecting a decrease in cash generation. The operating cash flow to net income ratio is 0.40, indicating that operating cash flow covers net income. The free cash flow to net income ratio is 0.39, pointing to decent cash conversion, but overall cash flow generation has decreased.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue245.94M245.00M240.68M232.52M250.55M238.86M
Gross Profit78.48M245.00M240.68M232.52M250.55M238.86M
EBITDA12.47M15.60M27.29M27.91M-5.55M0.00
Net Income11.25M14.91M24.44M-7.50M-50.16M-10.99M
Balance Sheet
Total Assets0.001.69B1.67B1.57B1.85B1.84B
Cash, Cash Equivalents and Short-Term Investments0.0020.60M27.00M1.20B1.50B1.52B
Total Debt0.007.79M9.07M10.12M10.83M11.97M
Total Liabilities1.43B1.47B1.50B1.57B1.53B1.54B
Stockholders Equity229.03M210.35M172.13M1.04M320.57M300.94M
Cash Flow
Free Cash Flow12.01M31.25M21.61M56.82M39.45M48.61M
Operating Cash Flow12.51M31.92M22.06M56.92M40.45M48.83M
Investing Cash Flow-23.61M-27.17M-14.50M-60.74M-41.08M-61.81M
Financing Cash Flow-4.83M-2.47M-3.54M-499.00K-6.21M904.00K

Citizens Technical Analysis

Technical Analysis Sentiment
Positive
Last Price5.23
Price Trends
50DMA
4.27
Positive
100DMA
4.09
Positive
200DMA
4.34
Positive
Market Momentum
MACD
0.28
Positive
RSI
61.12
Neutral
STOCH
44.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIA, the sentiment is Positive. The current price of 5.23 is above the 20-day moving average (MA) of 5.11, above the 50-day MA of 4.27, and above the 200-day MA of 4.34, indicating a bullish trend. The MACD of 0.28 indicates Positive momentum. The RSI at 61.12 is Neutral, neither overbought nor oversold. The STOCH value of 44.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIA.

Citizens Risk Analysis

Citizens disclosed 12 risk factors in its most recent earnings report. Citizens reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Citizens Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
$3.79B14.4311.35%1.61%0.82%-29.29%
68
Neutral
$18.05B11.7310.24%3.73%9.66%1.70%
67
Neutral
$3.55B19.572.42%2.61%465.03%
65
Neutral
$258.76M23.085.35%-0.04%-49.18%
63
Neutral
$2.53B4.7813.53%59.27%
61
Neutral
$630.91M-0.34%69.59%38.07%
57
Neutral
$68.13M32.862.45%0.61%6.98%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CIA
Citizens
5.23
2.10
67.09%
AAME
Atlantic American
3.34
1.70
103.66%
CNO
CNO Financial
40.41
8.05
24.88%
GNW
Genworth Financial
8.57
1.85
27.53%
BHF
Brighthouse Financial
43.36
1.10
2.60%
ABL
Abacus Life
6.59
-3.45
-34.36%

Citizens Corporate Events

Executive/Board ChangesShareholder Meetings
Citizens Inc. Shareholders Approve Key Proposals at Annual Meeting
Neutral
Jun 20, 2025

On June 17, 2025, Citizens, Inc. held its Annual Meeting of Shareholders where Class A shareholders voted on several key proposals. The shareholders elected eight directors to the board, ratified Grant Thornton LLP as the independent auditor for 2025, and approved executive compensation on a non-binding advisory basis. These decisions are crucial for the company’s governance and financial oversight, impacting its strategic direction and stakeholder confidence.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 09, 2025