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CIA

CIA - Citizens Inc-TX Stock Price, Fair Value and News

2.15USD+0.02 (+0.94%)Delayed as of 28 Mar 2024, 10:41 am ET

Market Summary

CIA
USD2.15+0.02
Delayedas of 28 Mar 2024, 10:41 am
0.94%

CIA Alerts

  • 2 major insider buys recently.

CIA Stock Price

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CIA RSI Chart

CIA Valuation

Market Cap

105.6M

Price/Earnings (Trailing)

4.32

Price/Sales (Trailing)

0.44

EV/EBITDA

2.94

Price/Free Cashflow

4.89

CIA Price/Sales (Trailing)

CIA Profitability

EBT Margin

10.88%

Return on Equity

14.2%

Return on Assets

1.46%

Free Cashflow Yield

20.47%

CIA Fundamentals

CIA Revenue

Revenue (TTM)

240.7M

Rev. Growth (Yr)

-0.61%

Rev. Growth (Qtr)

12.56%

CIA Earnings

Earnings (TTM)

24.4M

Earnings Growth (Yr)

218.35%

Earnings Growth (Qtr)

298.11%

Breaking Down CIA Revenue

52 Week Range

1.644.00
(Low)(High)

Last 7 days

-8.7%

Last 30 days

-28.7%

Last 90 days

-28.7%

Trailing 12 Months

-33.9%

How does CIA drawdown profile look like?

CIA Financial Health

CIA Investor Care

Buy Backs (1Y)

0.91%

Diluted EPS (TTM)

0.27

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2023233.1M237.9M241.1M240.7M
2022185.5M201.2M216.8M232.5M
2021238.6M243.8M245.6M169.8M
2020243.9M245.3M243.7M238.9M
2019249.0M246.0M246.3M250.5M
2018250.5M249.5M246.3M244.0M
2017250.5M250.1M252.7M252.6M
2016234.9M236.1M239.7M245.4M
2015233.1M236.6M237.5M236.3M
2014217.1M220.0M223.6M230.2M
2013205.4M209.4M210.8M213.6M
2012196.0M197.3M201.1M202.8M
2011191.6M193.7M196.6M194.2M
20100189.4M189.9M190.3M
2009000189.0M

Tracking the Latest Insider Buys and Sells of Citizens Inc-TX

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Mar 26, 2024
morgan james keith
bought
12,469
2.11381
5,899
-
Mar 22, 2024
morgan james keith
bought
2,179
1.9798
1,101
-
Mar 21, 2024
shields gerald
bought
35,520
2.22
16,000
president & ceo
Mar 01, 2024
shields gerald
acquired
1,977
2.57
769
president & ceo
Feb 02, 2024
shields gerald
acquired
1,977
2.84
696
president & ceo
Jan 29, 2024
conklin jeffery p.
acquired
-
-
11,816
vp, cfo & treasurer
Jan 29, 2024
mauldin robert m iii
sold (taxes)
-11,099
2.86
-3,881
vp, chief marketing officer
Jan 29, 2024
conklin jeffery p.
sold (taxes)
-10,021
2.86
-3,504
vp, cfo & treasurer
Jan 29, 2024
waite harvey j.
sold (taxes)
-2,608
2.86
-912
vp, chief actuary
Jan 29, 2024
mauldin robert m iii
acquired
-
-
11,331
vp, chief marketing officer

1–10 of 50

Which funds bought or sold CIA recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Mar 11, 2024
VANGUARD GROUP INC
added
0.04
-335,696
5,679,290
-%
Mar 01, 2024
GOLDMAN SACHS GROUP INC
new
-
176,050
176,050
-%
Feb 16, 2024
PRICE T ROWE ASSOCIATES INC /MD/
unchanged
-
-6,000
94,000
-%
Feb 15, 2024
JANE STREET GROUP, LLC
new
-
162,567
162,567
-%
Feb 15, 2024
BARCLAYS PLC
reduced
-6.23
-15,000
117,000
-%
Feb 14, 2024
CITADEL ADVISORS LLC
added
161
41,638
69,964
-%
Feb 14, 2024
TWO SIGMA ADVISERS, LP
reduced
-1.99
-9,651
119,132
-%
Feb 14, 2024
Royal Bank of Canada
new
-
-
-
-%
Feb 14, 2024
BRIDGEWAY CAPITAL MANAGEMENT, LLC
added
2.62
-34,786
1,072,430
0.02%

1–10 of 45

Are Funds Buying or Selling CIA?

Are funds buying CIA calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own CIA
No. of Funds

Unveiling Citizens Inc-TX's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Jul 08, 2022
blackrock inc.
1.7%
862,312
SC 13G
Feb 01, 2022
blackrock inc.
7.0%
3,462,158
SC 13G/A
Jan 29, 2021
blackrock inc.
7.0%
3,692,370
SC 13G/A
Feb 05, 2020
blackrock inc.
6.9%
3,612,244
SC 13G/A

Recent SEC filings of Citizens Inc-TX

View All Filings
Date Filed Form Type Document
Mar 27, 2024
4
Insider Trading
Mar 25, 2024
4
Insider Trading
Mar 22, 2024
4
Insider Trading
Mar 20, 2024
4
Insider Trading
Mar 19, 2024
3
Insider Trading
Mar 18, 2024
3
Insider Trading
Mar 18, 2024
8-K
Current Report
Mar 14, 2024
10-K
Annual Report
Mar 14, 2024
8-K
Current Report
Feb 20, 2024
4/A
Insider Trading

Citizens Inc-TX News

Latest updates
Investing.com • 20 hours ago
Investing.com • 25 Mar 2024 • 04:55 pm
The Globe and Mail • 22 Mar 2024 • 07:00 am
Nasdaq • 18 Mar 2024 • 05:00 pm
Yahoo Finance • 14 Mar 2024 • 08:01 pm
Yahoo Finance • 05 Mar 2024 • 08:00 am

Citizens Inc-TX Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Revenue12.6%66,84959,39058,52755,91467,25756,17653,73455,35758,47161,58463,55855,48364,96859,82558,34155,72269,80661,46756,86662,40665,570
EBITDA Margin621.1%0.11*-0.02*-0.02*-0.03*-0.03*0.04*0.01*0.02*-0.03*0.00*-0.02*-0.05*-0.05*-0.02*0.03*0.01*0.03*0.00*0.02*0.01*0.01*
Income Taxes-201.2%-1,9671,943-82.001,843-1,0511,4151,474729-44,95072.00578825-3,887-2561,4651,349-23.0086.001,2425,810-596
Earnings Before Taxes89.1%8,7744,6416,0446,715-23,0334,8223,9667,178-6,813-2,7275,600-2,748-2,349-8,171438-2,2354,9282,132-3,3232,008-2,028
EBT Margin565.4%0.11*-0.02*-0.02*-0.03*-0.03*0.04*0.01*0.02*-0.04*-0.01*-0.03*-0.05*-0.05*-0.02*0.02*0.01*0.02*0.00*0.01*0.01*0.01*
Net Income298.1%10,7412,6986,1264,8723,3743,4072,4926,44938,137-2,7995,022-3,5731,538-7,915-1,027-3,5844,9512,046-4,565-3,802-1,432
Net Income Margin43.4%0.10*0.07*0.07*0.06*0.07*0.23*0.22*0.25*0.22*0.00*-0.02*-0.05*-0.05*-0.03*0.01*0.00*-0.01*-0.03*-0.07*-0.06*-0.05*
Free Cashflow112.7%6,4623,0384,8337,28117,13317,39110,19012,10616,52514,7186,4111,79414,7215,37814,42614,08821,30819,38613,35217,66619,098
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Assets6.7%1,6691,5651,6241,6381,5911,5411,6191,7331,8551,8311,8141,7821,8431,8441,8131,7131,7451,7381,7021,6661,616
    Cash Equivalents60.8%27.0017.0021.0019.0023.0021.0022.0021.0027.0030.0030.0019.0034.0042.0052.0035.0046.0047.0035.0034.0045.00
  Net PPE-1.7%12.0012.0012.0013.0013.0013.0014.0014.0014.0015.0015.0016.0016.0016.0017.005.006.007.007.007.006.00
  Goodwill------------------13.0013.0013.0013.00
Liabilities6.0%1,4971,4121,4771,4841,4631,5551,5431,5361,5341,5661,5451,5411,5421,5481,5231,4981,4851,4771,4661,4541,428
Shareholder's Equity12.7%172153147154128111123125100265269241301297290216260261236212188
  Retained Earnings34.5%42.0031.0027.0021.0016.00-55.58-50.45-46.90-45.56-83.70-80.90-85.92-82.35-83.89-75.97-74.95-70.97-75.92-77.97-73.40-69.60
Float-------205---294---294---358--
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q4
Cashflow From Operations103.7%6,6123,2464,8447,35417,15717,41610,20712,14016,68514,7927,1691,80914,8185,46414,45914,09321,31019,50713,48317,92319,385
  Share Based Compensation------138-47.0093.00-100205-14.00-766439-53.00-3431271,083100
Cashflow From Investing160.6%3,975-6,560-885-11,026-14,605-18,223-8,065-19,849-21,670-15,1963,159-7,370-22,582-16,4113,346-26,165-21,201-6,773-12,561-28,810-42,763
Cashflow From Financing54.0%-375-815-1,969-377-586-593-1,0331,7132,192366304-9,077-366833-374811-1,051-155-447-512117
  Buy Backs-200---5228831,300----9,090---------

CIA Income Statement

2023-12-31
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Premiums:   
Life insurance$ 164,609$ 167,586$ 169,801
Accident and health insurance1,6371,2781,250
Property insurance7934,8503,677
Net investment income69,25465,42661,495
Investment related gains (losses), net760(10,291)10,991
Other income3,6273,6753,332
Total revenue240,680232,524250,546
Benefits and expenses:   
Claims and surrenders135,993119,935119,735
Increase (decrease) in future policy benefit reserves(5,624)4,8049,773
Policyholder liability remeasurement (gain) loss4,4602,8841,434
Policyholders' dividends5,5426,0136,180
Total insurance benefits paid or provided140,371133,636137,122
Commissions39,24136,22235,463
Other general expenses47,13145,17743,370
Capitalized deferred policy acquisition costs(28,301)(24,899)(22,740)
Amortization of deferred policy acquisition costs15,46014,39013,445
Amortization of cost of customer relationships acquired604621757
Goodwill impairment0012,624
Total benefits and expenses214,506205,147220,041
Income (loss) before federal income tax26,17427,37730,505
Federal income tax expense (benefit)1,7371,370(42,201)
Net income (loss)24,43726,00772,706
Unrealized gains (losses) on available-for-sale securities:   
Unrealized holding gains (losses) arising during period50,894(328,673)(41,123)
Reclassification adjustment for losses (gains) included in net income (loss)756104(243)
Unrealized gains (losses) on fixed maturity securities, net51,650(328,569)(41,366)
Change in current discount rate for liability for future policy benefits(34,790)337,77692,396
Income tax expense (benefit) on other comprehensive income items(2,029)7,2621,449
Other comprehensive income (loss)18,8891,94549,581
Total comprehensive income (loss)$ 43,326$ 27,952$ 122,287
Common Stock Class A [Member]   
Earnings Per Share [Abstract]   
Earnings Per Share, Basic$ 0.49$ 0.52$ 1.46
Earnings Per Share, Diluted0.480.511.44
Common Stock Class B [Member]   
Earnings Per Share [Abstract]   
Earnings Per Share, Basic000.73
Earnings Per Share, Diluted$ 0$ 0$ 0.72

CIA Balance Sheet

2023-12-31
Consolidated Statements of Financial Position - USD ($)
$ in Thousands
Dec. 31, 2023
Dec. 31, 2022
Investments:  
Fixed maturity securities available-for-sale, at fair value (amortized cost: $1,389,038 and $1,381,318 in 2023 and 2022, respectively)$ 1,238,981$ 1,179,619
Equity securities, at fair value5,28211,590
Policy loans75,35978,773
Other long-term investments (portion measured at fair value $82,460 and $66,846 in 2023 and 2022, respectively)82,72569,558
Short-term investments01,241
Total investments1,402,3471,340,781
Cash and cash equivalents26,99722,973
Accrued investment income17,36017,131
Reinsurance recoverable3,9914,560
Deferred policy acquisition costs175,768162,927
Cost of customer relationships acquired10,04310,647
Federal income tax receivable1,546601
Property and equipment, net11,80912,926
Due premiums11,26411,829
Other assets (less allowance for losses of $408 and $347 in 2023 and 2022, respectively)7,8036,328
Total assets1,668,9281,590,703
Future policy benefits reserves:  
Life insurance1,229,2531,198,647
Accident and health insurance889767
Total future policy benefit reserves, Life and Disability and Accident Benefits1,230,1421,199,414
Annuities133,216121,422
Dividend accumulations44,96041,663
Premiums paid in advance32,44636,384
Policy claims payable6,6379,884
Other policyholders' funds7,3637,501
Total policyholder funds224,622216,854
Total policy liabilities1,454,7641,416,268
Commissions payable3,4451,967
Deferred income tax liabilities, net1,1023,653
Other liabilities37,48841,025
Total liabilities$ 1,496,7991,462,913
Operating Lease, Liability, Statement of Financial Position [Extensible List]Other liabilities 
Commitments and Contingencies
Stockholders' equity:  
Retained earnings42,15016,309
Accumulated other comprehensive income (loss)(118,155)(137,044)
Treasury stock, at cost(23,725)(22,806)
Total stockholders' equity172,129127,790
Total liabilities and stockholders' equity1,668,9281,590,703
Common Stock Class A [Member]  
Stockholders' equity:  
Common stock268,675268,147
Common Stock Class B [Member]  
Stockholders' equity:  
Common stock$ 3,184$ 3,184
CIA
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company 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 accident and health insurance policies. The company was founded in 1969 and is headquartered in Austin, Texas.
 CEO
 WEBSITEwww.citizensinc.com
 EMPLOYEES224

Citizens Inc-TX Frequently Asked Questions


What is the ticker symbol for Citizens Inc-TX? What does CIA stand for in stocks?

CIA is the stock ticker symbol of Citizens Inc-TX. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Citizens Inc-TX (CIA)?

As of Wed Mar 27 2024, market cap of Citizens Inc-TX is 105.59 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CIA stock?

You can check CIA's fair value in chart for subscribers.

What is the fair value of CIA stock?

You can check CIA's fair value in chart for subscribers. The fair value of Citizens Inc-TX is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Citizens Inc-TX is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CIA so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Citizens Inc-TX a good stock to buy?

The fair value guage provides a quick view whether CIA is over valued or under valued. Whether Citizens Inc-TX is cheap or expensive depends on the assumptions which impact Citizens Inc-TX's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CIA.

What is Citizens Inc-TX's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Mar 27 2024, CIA's PE ratio (Price to Earnings) is 4.32 and Price to Sales (PS) ratio is 0.44. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CIA PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Citizens Inc-TX's stock?

In the past 10 years, Citizens Inc-TX has provided -0.127 (multiply by 100 for percentage) rate of return.