YCX Stock Chart & Stats
€4.24
-€0.20(-4.72%)
At close: 4:00 PM EDT
€4.24
-€0.20(-4.72%)
Day’s Range― - ―
52-Week Range€3.24 - €5.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€207.27M
Enterprise Value€259.45
Total Cash (Recent Filing)€37.38M
Total Debt (Recent Filing)€0.00
Price to Earnings (P/E)12.7
Beta1.09
Next Earnings
Nov 05, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.37
Shares Outstanding50,553,562
10 Day Avg. Volume0
30 Day Avg. Volume0
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.26
Revenue Forecast (FY)€226.26M
Bulls Say, Bears Say
Bulls Say
Conservative LeverageCitizens' very low reported debt relative to equity and a TTM position showing no debt provide durable financial flexibility. This conservatism supports lending through cycles, preserves regulatory capital buffers, and reduces refinancing risk, allowing strategic investments or payouts without near-term liquidity strain.
Cash Generation QualityConsistently positive free cash flow that tracks net income indicates earnings are largely cash-backed, enhancing the bank's ability to fund organic growth, service obligations, and capital returns. Robust cash conversion supports resilience through economic cycles and funds strategic initiatives without excessive external financing.
Diversified Revenue MixCitizens earns from both net interest margin and a broad set of fee businesses (consumer deposits/cards, commercial lending/treasury, wealth, mortgage and advisory), which structurally smooths earnings versus reliance on one line. This diversification mitigates volatility from rate moves or single-segment shocks over the medium term.
Bears Say
Margin CompressionSustained compression in net and gross margins points to structural pressure from tighter loan pricing, higher funding costs, or rising operating expenses. Persistently lower margins reduce the bank's ability to absorb credit losses, constrain ROE, and limit discretionary spending on product development or balance-sheet expansion.
Volatile Free Cash Flow GrowthVolatility and recent negative free cash flow growth undermine predictability of internal funding. Inconsistent cash generation limits capacity to expand loans, pursue strategic M&A or sustain dividends, and increases reliance on external funding during stress, weakening long-term operational optionality.
Data Irregularities & Reporting GapsMissing or inconsistent TTM balance-sheet data increases uncertainty about asset composition, leverage and capital adequacy. This reporting gap complicates credit and liquidity assessment, reducing confidence in trend analysis and making it harder to validate durability of recent improvements or risks.
Citizens News
YCX FAQ
What was Citizens’s price range in the past 12 months?
Citizens lowest stock price was €3.24 and its highest was €5.50 in the past 12 months.
What is Citizens’s market cap?
Citizens’s market cap is €207.27M.
When is Citizens’s upcoming earnings report date?
Citizens’s upcoming earnings report date is Nov 05, 2026 which is in 94 days.
How were Citizens’s earnings last quarter?
Currently, no data Available
Is Citizens overvalued?
According to Wall Street analysts Citizens’s price is currently Overvalued.
Does Citizens pay dividends?
Citizens does not currently pay dividends.
What is Citizens’s EPS estimate?
Citizens’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Citizens have?
Citizens has 50,553,562 shares outstanding.
What happened to Citizens’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Citizens?
Currently, no hedge funds are holding shares in DE:YCX
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Citizens Stock Smart Score
Neutral
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Insider Transactions
Bought Shares
Worth €41.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.66%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
1.91%
Trailing 12-Months
Company Description
Citizens
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. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.