Citizens (CIA)
NYSE:CIA
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Citizens
(NYSE:CIA)
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Rating:52Neutral
Price Target:
$5.00
▲(10.38% 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 capital structure with low or no reported debt in 2025 supports financial flexibility across economic cycles, reducing default and refinancing risk. This durability enables the bank to invest in growth or absorb shocks without materially increasing funding costs or liquidity strain.
Negative Factors
Severe Cash Flow Deterioration
A very large decline in operating and free cash flow creates persistent execution risk: it constrains capital allocation, raises funding dependency, and weakens the safety margin for dividends or buybacks. Durability of earnings is questioned if cash conversion remains impaired.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Leverage
A conservative capital structure with low or no reported debt in 2025 supports financial flexibility across economic cycles, reducing default and refinancing risk. This durability enables the bank to invest in growth or absorb shocks without materially increasing funding costs or liquidity strain.
Read all positive factors
Citizens (CIA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$227.86M
Dividend YieldN/A
Average Volume (3M)145.77K
Price to Earnings (P/E)16.6
Beta (1Y)1.27
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 Cap1.02
Enterprise Value/Revenue0.91
Enterprise Value/Gross Profit2.57
Enterprise Value/Ebitda12.77
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
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 generates revenue through various key streams, including interest income from loans provided to personal and commercial clients, as well as fees from services such as account maintenance, transactions, and advisory services. The bank also...
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
Negative
4.53
Price Trends
5.43
Negative
5.42
Negative
5.04
Negative
Market Momentum
-0.27
Positive
33.45
Neutral
23.23
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 4.53 is below the 20-day moving average (MA) of 5.07, below the 50-day MA of 5.43, and below the 200-day MA of 5.04, indicating a bearish trend. The MACD of -0.27 indicates Positive momentum. The RSI at 33.45 is Neutral, neither overbought nor oversold. The STOCH value of 23.23 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 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $48.95M | 25.36 | 4.89% | 0.74% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $3.83B | 11.12 | 8.60% | 1.54% | -1.61% | 15.79% | |
58 Neutral | $3.14B | 16.56 | 2.54% | ― | 1.41% | 150.35% | |
54 Neutral | $3.44B | 8.55 | 7.20% | ― | 27.71% | ― | |
52 Neutral | $227.86M | 16.59 | 6.43% | ― | -0.55% | -51.14% |
* Financial Sector Average
CIA
Citizens
4.53
-0.31
-6.40%
AAME
Atlantic American
2.40
0.70
41.18%
CNO
CNO Financial
40.63
-0.99
-2.37%
GNW
Genworth Financial
8.09
0.94
13.15%
BHF
Brighthouse Financial
60.26
1.17
1.98%
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.