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Citizens, Inc. (CIA)
Price$5.66
Favorite Metrics
Price vs S&P 500 (26W)-3.67%
Price vs S&P 500 (4W)11.24%
Market Capitalization$284.70M
P/E Ratio (Annual)19.51x
All Metrics
P/CF (Annual)15.83x
Book Value / Share (Quarterly)$4.67
P/TBV (Annual)1.07x
Revenue Growth (3Y)3.21%
Cash Flow / Share (Quarterly)$0.35
Price vs S&P 500 (YTD)11.60%
Net Profit Margin (TTM)5.71%
EPS (TTM)$0.28
10-Day Avg Trading Volume0.10M
EPS Excl Extra (TTM)$0.28
Revenue Growth (5Y)1.36%
EPS (Annual)$0.28
ROI (Annual)6.21%
Net Profit Margin (5Y Avg)6.76%
Cash / Share (Quarterly)$0.34
P/E Basic Excl Extra (TTM)19.51x
Revenue Growth QoQ (YoY)13.54%
P/E Normalized (Annual)19.51x
ROA (Last FY)0.83%
Revenue Growth TTM (YoY)4.33%
EBITD / Share (TTM)$0.35
ROE (5Y Avg)6.76%
Operating Margin (TTM)6.83%
Cash Flow / Share (Annual)$0.35
P/B Ratio1.21x
P/B Ratio (Quarterly)1.03x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)1.02x
ROA (TTM)0.84%
EPS Growth QoQ (YoY)101.99%
EV / EBITDA (TTM)14.60x
EPS Incl Extra (Annual)$0.28
Current Ratio (Annual)0.01x
Quick Ratio (Quarterly)0.00x
3-Month Avg Trading Volume0.11M
52-Week Price Return29.40%
EV / Free Cash Flow (Annual)14.92x
P/E Incl Extra (TTM)19.51x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$4.49
P/S Ratio (Annual)1.11x
Asset Turnover (Annual)0.15x
52-Week High$6.40
Operating Margin (5Y Avg)3.62%
EPS Excl Extra (Annual)$0.28
CapEx CAGR (5Y)17.45%
Tangible BV CAGR (5Y)-3.91%
26-Week Price Return5.08%
Quick Ratio (Annual)0.01x
13-Week Price Return5.27%
Total Debt / Equity (Annual)0.00x
Current Ratio (Quarterly)0.03x
Enterprise Value$261.721
Revenue / Share Growth (5Y)0.94%
Asset Turnover (TTM)0.15x
Book Value / Share Growth (5Y)-4.75%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)6.83%
Cash / Share (Annual)$0.46
3-Month Return Std Dev49.09%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)16.69%
ROE (Last FY)6.21%
EPS Basic Excl Extra (Annual)$0.28
P/FCF (TTM)16.23x
EV / Free Cash Flow (TTM)14.92x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.28
ROI (TTM)6.43%
P/S Ratio (TTM)1.11x
Pretax Margin (5Y Avg)3.62%
Revenue / Share (Annual)$4.97
Tangible BV / Share (Annual)$4.49
Forward P/E18.87x
Free OCF CAGR (5Y)-18.44%
Price vs S&P 500 (52W)-5.70%
P/E Ratio (TTM)19.51x
EPS Growth TTM (YoY)-3.15%
Year-to-Date Return15.73%
5-Day Price Return0.00%
EPS Normalized (Annual)$0.28
ROA (5Y Avg)0.95%
Net Profit Margin (Annual)5.71%
Month-to-Date Return11.13%
Cash Flow / Share (TTM)$0.36
EBITD / Share (Annual)$0.35
EPS Growth (3Y)-26.08%
Operating Margin (Annual)6.83%
P/CF (TTM)15.83x
ROI (5Y Avg)6.76%
P/E Excl Extra (TTM)19.51x
EPS Basic Excl Extra (TTM)$0.28
P/TBV (Quarterly)1.07x
P/B Ratio (Annual)1.03x
Pretax Margin (TTM)6.83%
Book Value / Share (Annual)$4.67
Price vs S&P 500 (13W)2.41%
Beta0.55x
P/FCF (Annual)16.23x
Revenue / Share (TTM)$4.95
ROE (TTM)6.43%
52-Week Low$3.25
Analyst Recommendations
Sep 2025
Oct 2025
Nov 2025
Dec 2025
4.20
4.20
4.20
4.20
Industry Peers — Life Insurance(31)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | Indicated Dividend Yield (Annual) | Operating Margin (TTM) | Price |
|---|---|---|---|---|---|
CIACitizens, Inc. | 1.03x | 6.43% | — | 6.83% | $5.66 |
MFCManulife Financial Corp. | 1.66x | 11.34% | 3.68% | 18.33% | $38.56 |
METMetLife, Inc. | 1.83x | 12.01% | 2.91% | 7.25% | $77.70 |
SLFSun Life Financial Inc. | 1.90x | 14.68% | 3.82% | 13.67% | $70.41 |
PFHPrudential Financial, Inc. 4.125% Junior Subordinated Notes due 2060 | 1.22x | 11.44% | 5.51% | 6.72% | $17.07 |
PRHPrudential Financial, Inc. 5.950% Junior Subordinated Notes due 2062 | 1.22x | 11.44% | 5.46% | 6.72% | $24.14 |
PRSPrudential Financial, Inc. 5.625% Junior Subordinated Notes due 2058 | 1.22x | 11.44% | 5.46% | 6.72% | $23.34 |
PRUPrudential Financial, Inc. | 1.22x | 11.44% | 5.51% | 6.72% | $102.60 |
PUKPRUDENTIAL PLC ADS (REP 2 ORD SHARES) | 1.96x | 20.81% | 1.74% | 35.84% | $30.68 |
RGAReinsurance Group of America, Incorporated | 0.99x | 9.48% | 1.76% | 8.04% | $212.22 |
RZBReinsurance Group of America, Incorporated 5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056 | 0.99x | 9.48% | 1.76% | 8.04% | $25.16 |
About
Citizens Inc is an insurance holding company providing life insurance products across 32 U.S. states and over 70 countries worldwide. The company operates two business segments—Life Insurance and Home Service Insurance—with Life Insurance generating the majority of revenues. With significant international presence in markets including Colombia, Taiwan, Venezuela, Ecuador, and Argentina, Citizens Inc maintains a geographically diversified customer base.