Citizens (CIA) AI Stock Analysis

• Market Cap: $293.94M
• Dividend Yield: N/A
• Average Volume (3M): 145.77K
• Price to Earnings (P/E): 26.4
• Beta (1Y): 1.22
• Revenue Growth: -0.55%
• EPS Growth: -51.14%
• Country: US
• Employees: 247
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 0.05
• Shares Outstanding: 50,245,365
• 10 Day Avg. Volume: 97,947
• 30 Day Avg. Volume: 145,770
• PEG Ratio: -0.33
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 0.91
• P/FCF Ratio: 7.16
• Enterprise Value/Market Cap: 0.61
• Enterprise Value/Revenue: 0.72
• Enterprise Value/Gross Profit: 2.17
• Enterprise Value/Ebitda: 12.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $6.00 ▲(4.90% Upside)

The stock's overall score is driven by strong technical momentum and a solid financial position with no debt. However, the high P/E ratio and declining profitability metrics are concerns. The absence of a dividend yield further impacts its valuation attractiveness.

Citizens Business Overview & Revenue Model

Company Description

Citizens (CIA) is a financial services company that primarily operates in the banking and insurance sectors. The company provides a comprehensive range of services including personal and commercial banking, wealth management, and various insurance products. Citizens aims to serve individuals and businesses by offering tailored financial solutions that meet their diverse needs, fostering long-term relationships through a commitment to customer service and community engagement.

How the Company Makes Money

Citizens 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	247.02M	245.00M	240.68M	232.52M	250.53M	238.85M
Gross Profit	82.17M	121.72M	240.68M	114.79M	128.13M	46.93M
EBITDA	13.94M	15.60M	27.29M	27.91M	31.64M	-10.89M
Net Income	10.87M	14.91M	24.44M	26.01M	72.71M	-10.99M
Balance Sheet
Total Assets	0.00	1.69B	1.67B	1.57B	1.85B	1.84B
Cash, Cash Equivalents and Short-Term Investments	0.00	29.27M	27.00M	1.20B	1.50B	1.52B
Total Debt	0.00	7.79M	9.07M	10.12M	10.83M	11.97M
Total Liabilities	1.46B	1.47B	1.50B	1.57B	1.53B	1.54B
Stockholders Equity	225.60M	210.35M	172.13M	1.04M	320.57M	300.94M
Cash Flow
Free Cash Flow	-2.58M	31.25M	21.61M	56.82M	39.45M	48.61M
Operating Cash Flow	9.63M	31.92M	22.06M	56.92M	40.45M	48.83M
Investing Cash Flow	-27.77M	-27.17M	-14.50M	-60.74M	-41.08M	-61.81M
Financing Cash Flow	-2.98M	-2.47M	-3.54M	-499.00K	-6.21M	904.00K

Citizens Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 5.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIA, the sentiment is Neutral. The current price of 5.72 is below the 20-day moving average (MA) of 5.72, above the 50-day MA of 5.56, and above the 200-day MA of 4.64, indicating a neutral trend. The MACD of 0.11 indicates Negative momentum. The RSI at 51.03 is Neutral, neither overbought nor oversold. The STOCH value of 66.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CIA.

Citizens Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BHF	73 Outperform	$3.77B	4.49	16.27%	―	27.71%	―
CNO	71 Outperform	$3.93B	14.42	11.12%	1.61%	-1.61%	15.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIA	66 Neutral	$293.94M	26.38	5.02%	―	-0.55%	-51.14%
ABL	62 Neutral	$487.69M	-79.12	3.17%	―	91.78%	―
GNW	60 Neutral	$3.50B	19.28	2.86%	―	1.41%	150.35%
AAME	49 Neutral	$60.17M	29.74	2.45%	0.68%	6.98%	―

Citizens Corporate Events

Citizens Elects Michael Harwood to Board of Directors

On November 6, 2025, Citizens, Inc. announced the election of Michael Harwood, a seasoned life insurance actuarial professional, to its Board of Directors. Harwood’s extensive experience in the insurance industry is expected to provide valuable oversight as the company continues its global expansion. In its third-quarter 2025 financial results, Citizens reported a record number of agents and the highest-ever total direct insurance in force of $5.38 billion. The company achieved total revenues of $62.8 million, a slight increase from the previous year, and adjusted net income of $3.4 million, marking a 70% increase from the prior year. Citizens’ strategic initiatives focus on sustainable growth and capital management, positioning the company for long-term value creation for customers and shareholders.

The most recent analyst rating on (CIA) stock is a Hold with a $6.00 price target. To see the full list of analyst forecasts on Citizens stock, see the CIA Stock Forecast page.

Citizens, Inc. Reports Steady Revenue Growth Amid Market Challenges

Citizens, Inc., a Colorado-based insurance company, operates through its subsidiaries offering life, accident, and health insurance products primarily in the U.S. and internationally. In its latest earnings report for the quarter ending June 30, 2025, Citizens, Inc. reported a slight increase in total revenues to $120.7 million from $119.8 million in the previous year. The company saw a net income of $4.8 million, a decrease from $8.5 million in the same period last year, with basic and diluted earnings per share of $0.10. The company’s total assets increased to $1.71 billion from $1.69 billion at the end of 2024, with a notable increase in investments in fixed maturity securities. Despite a challenging market environment, Citizens, Inc. maintained a strong investment portfolio, with 98.6% of its fixed maturity securities rated as investment grade. Looking ahead, the company remains focused on optimizing its investment strategy and managing policyholder liabilities to navigate market conditions effectively.