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Citizens
(NYSE:CIA)
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Rating:59Neutral
Price Target:
$3.50
▼(-10.03% Downside)
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
Very low leverage and rising equity provide a durable financial buffer for Citizens. This supports resilience through credit or earnings pressure, preserves flexibility for lending and investment, and reduces the balance-sheet strain associated with debt servicing and refinancing.
Negative Factors
Stagnant Revenue Base
A largely flat revenue base limits operating leverage and reduces the company’s ability to offset cost increases or weaker spreads through growth. Without sustained expansion in banking income, future earnings improvement may depend more heavily on efficiency and risk outcomes.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and rising equity provide a durable financial buffer for Citizens. This supports resilience through credit or earnings pressure, preserves flexibility for lending and investment, and reduces the balance-sheet strain associated with debt servicing and refinancing.
Read all positive factors
Citizens (CIA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$188.39M
Dividend YieldN/A
Average Volume (3M)115.39K
Price to Earnings (P/E)15.8
Beta (1Y)1.14
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. Volume111,767
30 Day Avg. Volume115,385
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.03
Price to Sales (P/S)0.95
P/FCF Ratio13.80
Enterprise Value/Market Cap1.54
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit3.43
Enterprise Value/Ebitda19.41
Forecast
1Y Price Target
$5.50Price Target Upside41.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.18
Revenue Forecast (FY)$256.17M
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 makes money through net interest income and noninterest (fee-based) income.
1) Net interest income (core banking spread): The largest driver of bank earnings is typically the spread between (a) interest income earned on loans a...
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 | 84.65M | 90.59M | 121.72M | 240.68M | 114.79M | 128.13M |
| EBITDA | 14.94M | 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
Neutral
3.89
Price Trends
3.64
Positive
4.42
Negative
4.88
Negative
Market Momentum
-0.02
Negative
58.05
Neutral
77.57
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 3.89 is above the 20-day moving average (MA) of 3.51, above the 50-day MA of 3.64, and below the 200-day MA of 4.88, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 58.05 is Neutral, neither overbought nor oversold. The STOCH value of 77.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $5.04B | 18.33 | 10.82% | 1.29% | 5.72% | 7.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $3.36B | 16.31 | 2.42% | ― | -0.68% | 19.26% | |
61 Neutral | $24.48M | 4.83 | 4.65% | 1.61% | 11.80% | ― | |
59 Neutral | $188.39M | 15.84 | 4.96% | ― | 3.69% | 2.53% | |
50 Neutral | $2.57B | 3.51 | 13.17% | ― | 2.62% | 33.55% |
* Financial Sector Average
CIA
Citizens
3.72
-1.68
-31.11%
AAME
Atlantic American
1.20
-1.76
-59.46%
CNO
CNO Financial
54.44
14.82
37.42%
GNW
Genworth Financial
8.89
0.49
5.83%
BHF
Brighthouse Financial
44.73
-1.48
-3.20%
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.