Citizens (CIA)
NYSE:CIA
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Citizens
(NYSE:CIA)
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Rating:52Neutral
Price Target:
$5.50
▲(2.61% Upside)
Action:ReiteratedDate:03/13/26
The score is primarily weighed down by weakened cash flow performance and bearish technicals (price below key moving averages and negative MACD). Conservative leverage and recent profitability provide some support, while valuation cannot be confidently assessed from the provided P/E and missing dividend yield; the notable corporate event is neutral-to-modestly supportive but not a fundamental catalyst.
Positive Factors
Conservative leverage
A conservative leverage profile and effectively no reported debt in 2025 provide durable financial flexibility. This reduces solvency and refinancing risk during underwriting or market stress, supports capacity to absorb reserve shocks, and preserves capital for product initiatives or dividends over the medium term.
Negative Factors
Sharp cash flow deterioration
A dramatic fall in operating and free cash flow undermines durable capital generation. Reduced cash conversion limits funding for claims, reserve strengthening, dividends or buybacks, and forces greater reliance on capital markets or asset sales, increasing execution and liquidity risk over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A conservative leverage profile and effectively no reported debt in 2025 provide durable financial flexibility. This reduces solvency and refinancing risk during underwriting or market stress, supports capacity to absorb reserve shocks, and preserves capital for product initiatives or dividends over the medium term.
Read all positive factors
Citizens (CIA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$281.18M
Dividend YieldN/A
Average Volume (3M)145.77K
Price to Earnings (P/E)16.6
Beta (1Y)1.36
Revenue Growth-0.55%
EPS Growth-51.14%
CountryUS
Employees247
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.11
Shares Outstanding50,299,740
10 Day Avg. Volume97,947
30 Day Avg. Volume145,770
Financial Highlights & Ratios
PEG Ratio2.24
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue1.09
Enterprise Value/Gross Profit3.08
Enterprise Value/Ebitda15.31
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$260.26M
Citizens Business Overview & Revenue Model
Company Description
Citizens, 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 insu...
How the Company Makes Money
Citizens, Inc. primarily makes money through its insurance operations. Key revenue streams typically include: (1) premium revenue from life insurance policies issued by its subsidiaries; (2) net investment income earned on the investment portfolio...
Citizens Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 255.62M | 245.00M | 240.68M | 232.52M | 250.53M |
| Gross Profit | 90.59M | 121.72M | 240.68M | 114.79M | 128.13M |
| EBITDA | 18.21M | 15.60M | 27.29M | 27.91M | 31.64M |
| Net Income | 14.59M | 14.91M | 24.44M | 26.01M | 72.71M |
Balance Sheet | |||||
| Total Assets | 245.83M | 1.69B | 1.67B | 1.59B | 1.85B |
| Cash, Cash Equivalents and Short-Term Investments | 21.95M | 29.27M | 27.00M | 1.20B | 1.50B |
| Total Debt | 7.87M | 7.79M | 9.07M | 0.00 | 0.00 |
| Total Liabilities | 10.85M | 1.47B | 1.50B | 1.46B | 1.53B |
| Stockholders Equity | 234.99M | 210.35M | 172.13M | 127.79M | 320.57M |
Cash Flow | |||||
| Free Cash Flow | 17.54M | 31.25M | 21.61M | 56.82M | 39.45M |
| Operating Cash Flow | 17.99M | 31.92M | 22.06M | 56.92M | 40.45M |
| Investing Cash Flow | -19.67M | -27.17M | -14.50M | -60.74M | -41.08M |
| Financing Cash Flow | -4.61M | -2.47M | -3.54M | -499.00K | -6.21M |
Citizens Technical Analysis
Positive
5.36
Price Trends
5.34
Positive
5.34
Positive
5.15
Positive
Market Momentum
0.09
Negative
59.75
Neutral
78.47
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 5.36 is above the 20-day moving average (MA) of 4.98, above the 50-day MA of 5.34, and above the 200-day MA of 5.15, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 59.75 is Neutral, neither overbought nor oversold. The STOCH value of 78.47 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 13 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 1 New Risks
1.
Targeted improvements to accounting for long-duration contracts (LDTI) may increase earnings volatility and reporting complexity. Q4, 2025
Citizens Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $51.60M | 25.36 | 4.89% | 0.74% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $4.02B | 11.12 | 8.60% | 1.54% | -1.61% | 15.79% | |
58 Neutral | $3.33B | 16.56 | 2.54% | ― | 1.41% | 150.35% | |
54 Neutral | $3.51B | 8.55 | 7.20% | ― | 27.71% | ― | |
52 Neutral | $281.18M | 16.59 | 6.43% | ― | -0.55% | -51.14% |
* Financial Sector Average
CIA
Citizens
5.50
1.24
29.11%
AAME
Atlantic American
2.53
1.11
78.17%
CNO
CNO Financial
42.86
5.35
14.27%
GNW
Genworth Financial
8.60
1.97
29.71%
BHF
Brighthouse Financial
61.27
10.61
20.94%
Citizens Corporate Events
Executive/Board Changes
Citizens Board Increases CEO Jon Stenberg’s Compensation Package
Positive
Mar 10, 2026
On March 5, 2026, the Board of Directors of Citizens, Inc. approved an amendment to CEO Jon Stenberg’s executive employment agreement to realign his compensation with peer and market benchmarks for retention and motivation. Effective April 1...
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.