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Citizens
(NYSE:CIA)
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Rating:59Neutral
Price Target:
$5.00
▲(3.31% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by stable financials—especially a low-leverage balance sheet and consistently positive cash generation—offset by weakening profitability/margins and flat revenue. The biggest near-term drag is technical weakness (price below key moving averages with negative MACD), while valuation is reasonable (P/E 12.67) and corporate events are modestly supportive but not transformational.
Positive Factors
Conservative balance sheet
Essentially no debt and rising equity create a durable financial cushion, lowering solvency risk and preserving flexibility. This conservative capital structure supports continued lending, absorbs cyclical credit losses, and enables strategic investment without reliance on volatile external financing.
Negative Factors
Falling net margins
A sustained decline in net margin reduces return on capital and compresses profitability even if revenues hold. If driven by narrower loan spreads or higher funding costs, margin erosion can persist across interest-rate cycles and constrain ability to rebuild capital or expand higher-return businesses.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Essentially no debt and rising equity create a durable financial cushion, lowering solvency risk and preserving flexibility. This conservative capital structure supports continued lending, absorbs cyclical credit losses, and enables strategic investment without reliance on volatile external financing.
Read all positive factors
Citizens (CIA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$198.52M
Dividend YieldN/A
Average Volume (3M)145.77K
Price to Earnings (P/E)16.6
Beta (1Y)1.05
Revenue Growth3.69%
EPS Growth2.53%
CountryUS
Employees245
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.23
Shares Outstanding50,643,110
10 Day Avg. Volume97,947
30 Day Avg. Volume145,770
Financial Highlights & Ratios
PEG Ratio2.25
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$258.28M
Citizens Business Overview & Revenue Model
Company Description
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. ...
How the Company Makes Money
Citizens primarily earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by taking in customer deposits and other funding (paying interest at deposit and borrowing rates) and using that funding to...
Citizens Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
76
Positive
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 253.51M | 255.62M | 245.00M | 240.68M | 232.52M | 250.53M |
| Gross Profit | 72.94M | 90.59M | 121.72M | 240.68M | 114.79M | 128.13M |
| EBITDA | 14.84M | 18.21M | 15.60M | 27.29M | 27.91M | 31.64M |
| Net Income | 11.60M | 14.59M | 14.91M | 24.44M | 26.01M | 72.71M |
Balance Sheet | ||||||
| Total Assets | 1.75B | 1.75B | 1.69B | 1.67B | 1.59B | 1.85B |
| Cash, Cash Equivalents and Short-Term Investments | 31.87M | 49.74M | 29.27M | 27.00M | 1.20B | 1.50B |
| Total Debt | 0.00 | 0.00 | 7.79M | 9.07M | 0.00 | 0.00 |
| Total Liabilities | 1.52B | 1.52B | 1.47B | 1.50B | 1.46B | 1.53B |
| Stockholders Equity | 235.16M | 234.99M | 210.35M | 172.13M | 127.79M | 320.57M |
Cash Flow | ||||||
| Free Cash Flow | 14.97M | 17.54M | 31.25M | 21.61M | 56.82M | 39.45M |
| Operating Cash Flow | 15.49M | 17.99M | 31.92M | 22.06M | 56.92M | 40.45M |
| Investing Cash Flow | -19.47M | -19.67M | -27.17M | -14.50M | -60.74M | -41.08M |
| Financing Cash Flow | -1.73M | -4.61M | -2.47M | -3.54M | -499.00K | -6.21M |
Citizens Technical Analysis
Negative
4.84
Price Trends
5.25
Negative
5.25
Negative
5.34
Negative
Market Momentum
-0.41
Positive
26.13
Positive
20.54
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIA, the sentiment is Negative. The current price of 4.84 is above the 20-day moving average (MA) of 4.65, below the 50-day MA of 5.25, and below the 200-day MA of 5.34, indicating a bearish trend. The MACD of -0.41 indicates Positive momentum. The RSI at 26.13 is Positive, neither overbought nor oversold. The STOCH value of 20.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 0 New Risks
Citizens Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $5.02B | 18.47 | 10.82% | 1.30% | 5.72% | 7.05% | |
68 Neutral | $30.19M | 6.37 | 4.43% | 1.27% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $3.79B | 18.33 | 2.42% | ― | -0.68% | 19.26% | |
59 Neutral | $198.52M | 16.61 | 4.96% | ― | 3.69% | 2.53% | |
50 Neutral | $3.44B | 4.68 | 13.17% | ― | 2.62% | 33.55% |
* Financial Sector Average
CIA
Citizens
3.90
-1.18
-23.23%
AAME
Atlantic American
1.42
-1.46
-50.69%
CNO
CNO Financial
54.85
17.39
46.43%
GNW
Genworth Financial
9.99
1.44
16.84%
BHF
Brighthouse Financial
59.54
12.86
27.55%
Citizens Corporate Events
Executive/Board ChangesShareholder Meetings
Citizens Shareholders Approve Directors and Governance Measures
Positive
Jun 18, 2026
At its 2026 Annual Meeting of Shareholders held on June 16, 2026, Citizens, Inc. shareholders elected seven director nominees to the board, with each receiving strong majority support and only modest opposition or abstentions recorded. This outcom...
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.