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

2.81USD+0.23 (+8.91%)Delayed

Market Summary

USD2.81+0.23

Delayed

8.91%

CIA Stock Price

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CIA RSI Chart

CIA Valuation

Market Cap

139.5M

Price/Earnings (Trailing)

5.79

Price/Sales (Trailing)

0.58

EV/EBITDA

4.67

Price/Free Cashflow

6.62

CIA Price/Sales (Trailing)

CIA Profitability

EBT Margin

10.06%

Return on Equity

12.35%

Return on Assets

1.45%

Free Cashflow Yield

15.1%

CIA Fundamentals

CIA Revenue

Revenue (TTM)

242.5M

Rev. Growth (Yr)

3.22%

Rev. Growth (Qtr)

-13.67%

CIA Earnings

Earnings (TTM)

24.1M

Earnings Growth (Yr)

-6.77%

Earnings Growth (Qtr)

-57.71%

Breaking Down CIA Revenue

Last 7 days

13.8%

Last 30 days

41.9%

Last 90 days

0.7%

Trailing 12 Months

26.6%

How does CIA drawdown profile look like?

CIA Financial Health

CIA Investor Care

Buy Backs (1Y)

0.91%

Diluted EPS (TTM)

0.48

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	242.5M	0	0	0
2023	233.1M	237.9M	241.1M	240.7M
2022	250.4M	240.6M	235.2M	232.5M
2021	238.6M	243.8M	245.6M	250.5M
2020	243.9M	245.3M	243.7M	238.9M
2019	249.0M	246.0M	246.3M	250.5M
2018	250.5M	249.5M	246.3M	244.0M
2017	250.5M	250.1M	252.7M	252.6M
2016	234.9M	236.1M	239.7M	245.4M
2015	233.1M	236.6M	237.5M	236.3M
2014	217.1M	220.0M	223.6M	230.2M
2013	205.4M	209.4M	210.8M	213.6M
2012	196.0M	197.3M	201.1M	202.8M
2011	191.6M	193.7M	196.6M	194.2M
2010	0	189.4M	189.9M	190.3M
2009	0	0	0	189.0M

Get all data in R, Python etc through our Historical Stock Data APIs

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

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 05, 2024	maness terry sam	bought	2,136	2.13683	1,000	-
Mar 31, 2024	waite harvey j.	acquired	-	-	13,450	vp, chief actuary
Mar 31, 2024	conklin jeffery p.	acquired	-	-	17,514	vp, cfo & treasurer
Mar 31, 2024	mauldin robert m iii	sold (taxes)	-11,682	2.14	-5,459	vp, chief marketing officer
Mar 31, 2024	kinlaw sheryl l	acquired	-	-	11,706	chief legal officer
Mar 31, 2024	waite harvey j.	sold (taxes)	-7,941	2.14	-3,711	vp, chief actuary
Mar 31, 2024	mauldin robert m iii	acquired	-	-	18,855	vp, chief marketing officer
Mar 31, 2024	shields gerald	acquired	-	-	21,112	president & ceo
Mar 31, 2024	kinlaw sheryl l	sold (taxes)	-5,893	2.14	-2,754	chief legal officer
Mar 31, 2024	conklin jeffery p.	sold (taxes)	-9,127	2.14	-4,265	vp, cfo & treasurer

Which funds bought or sold CIA recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	added	216	247,250	409,817	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-6.77	-30,778	88,354	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	added	16.00	-31,436	375,698	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	reduced	-24.2	-26,479	40,228	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.29	-199,770	872,658	0.02%
May 15, 2024	Royal Bank of Canada	sold off	-100	-	-	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	sold off	-100	-88,025	-	-%
May 15, 2024	CITADEL ADVISORS LLC	added	51.52	14,371	84,335	-%
May 15, 2024	STATE STREET CORP	reduced	-5.54	-112,212	339,267	-%
May 15, 2024	PRICE T ROWE ASSOCIATES INC /MD/	unchanged	-	-19,000	75,000	-%

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 Filed	Name of Filer	Percent of Class	No. of Shares	Form 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
May 07, 2024	10-Q	Quarterly Report
May 07, 2024	8-K	Current Report
Apr 29, 2024	ARS	ARS
Apr 29, 2024	DEF 14A	DEF 14A
Apr 29, 2024	DEFA14A	DEFA14A
Apr 08, 2024	4	Insider Trading
Apr 02, 2024	4	Insider Trading
Apr 02, 2024	4	Insider Trading
Apr 02, 2024	4	Insider Trading
Apr 02, 2024	4	Insider Trading

Citizens Inc-TX News

Latest updates

Citizens Inc-TX Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-13.7%	57,712	66,849	59,390	58,527	55,914	67,257	56,176	53,734	55,357	69,921	61,584	63,558	55,483	64,968	59,825	58,341	55,722	69,806	61,467	56,866	62,406
EBITDA Margin	-7.4%	0.10*	0.11*	0.12*	0.12*	0.12*	0.12*	0.20*	0.16*	0.17*	0.13*	0.00*	-0.02*	-0.05*	-0.05*	-0.02*	0.03*	0.01*	0.03*	0.00*	0.02*	0.01*
Income Taxes	119.5%	383	-1,967	1,943	-82.00	1,843	-2,248	1,415	1,474	729	-44,950	72.00	578	825	-3,887	-256	1,465	1,349	-23.00	86.00	1,242	5,810
Earnings Before Taxes	-43.9%	4,925	8,774	4,641	6,044	6,715	11,411	4,822	3,966	7,178	30,380	-2,727	5,600	-2,748	-2,349	-8,171	438	-2,235	4,928	2,132	-3,323	2,008
EBT Margin	-7.5%	0.10*	0.11*	0.12*	0.12*	0.12*	0.12*	0.20*	0.16*	0.16*	0.12*	-0.01*	-0.03*	-0.05*	-0.05*	-0.02*	0.02*	0.01*	0.02*	0.00*	0.01*	0.01*
Net Income	-57.7%	4,542	10,741	2,698	6,126	4,872	13,659	3,407	2,492	6,449	38,137	-2,799	5,022	-3,573	1,538	-7,915	-1,027	-3,584	4,951	2,046	-4,565	-3,802
Net Income Margin	-2.1%	0.10*	0.10*	0.11*	0.12*	0.10*	0.11*	0.21*	0.18*	0.19*	0.15*	0.00*	-0.02*	-0.05*	-0.05*	-0.03*	0.01*	0.00*	-0.01*	-0.03*	-0.07*	-0.06*
Free Cashflow	4.1%	6,730	6,462	3,038	4,833	7,281	17,133	17,391	10,190	12,106	16,525	14,718	6,411	1,794	14,721	5,378	14,426	14,088	21,308	19,386	13,352	17,666

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.2%	1,666	1,669	1,565	1,624	1,638	1,591	1,541	1,619	1,733	1,855	1,831	1,814	1,782	1,843	1,844	1,813	1,713	1,745	1,738	1,702	1,666
Cash Equivalents	-13.9%	23.00	27.00	17.00	21.00	19.00	23.00	21.00	22.00	21.00	27.00	30.00	30.00	19.00	34.00	42.00	52.00	35.00	46.00	47.00	35.00	34.00
Net PPE	-3.4%	11.00	12.00	12.00	12.00	13.00	13.00	13.00	14.00	14.00	14.00	15.00	15.00	16.00	16.00	16.00	17.00	5.00	6.00	7.00	7.00	7.00
Goodwill	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.00	13.00	13.00
Liabilities	-1.8%	1,470	1,497	1,412	1,477	1,484	1,463	1,555	1,543	1,536	1,534	1,566	1,545	1,541	1,542	1,548	1,523	1,498	1,485	1,477	1,466	1,454
Shareholder's Equity	13.4%	195	172	153	147	154	128	111	123	125	100	265	269	241	301	297	290	216	260	261	236	212
Retained Earnings	10.8%	47.00	42.00	31.00	27.00	21.00	16.00	-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
Float	-	-	-	-	116	-	-	-	205	-	-	-	294	-	-	-	294	-	-	-	358	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	2.7%	6,788	6,612	3,246	4,844	7,354	17,157	17,416	10,207	12,140	16,685	14,792	7,169	1,809	14,818	5,464	14,459	14,093	21,310	19,507	13,483	17,923
Share Based Compensation	-	-	-	-	-	-	-	138	-47.00	93.00	-	100	205	-14.00	-	766	439	-53.00	-	343	127	1,083
Cashflow From Investing	-338.1%	-9,466	3,975	-6,560	-885	-11,026	-14,605	-18,223	-8,065	-19,849	-21,670	-15,196	3,159	-7,370	-22,582	-16,411	3,346	-26,165	-21,201	-6,773	-12,561	-28,810
Cashflow From Financing	-187.2%	-1,077	-375	-815	-1,969	-377	-586	-593	-1,033	1,713	2,192	366	304	-9,077	-366	833	-374	811	-1,051	-155	-447	-512
Buy Backs	-100.0%	-	200	-	-	-	522	883	1,300	-	-	-	-	9,090	-	-	-	-	-	-	-	-

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CIA Income Statement

2024-03-31

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Premiums:
Life insurance	$ 38,261	$ 36,934
Accident and health insurance	414	358
Property insurance	(2)	957
Net investment income	17,487	17,074
Investment related gains (losses), net	963	(288)
Other income	589	879
Total revenues	57,712	55,914
Insurance benefits paid or provided:
Claims and surrenders	33,113	30,299
Increase (decrease) in future policy benefit reserves	451	(978)
Policyholder liability remeasurement (gain) loss	319	880
Policyholders' dividends	1,237	1,108
Total insurance benefits paid or provided	35,120	31,309
Commissions	10,450	9,013
Other general expenses	11,338	11,260
Capitalization of deferred policy acquisition costs	(8,331)	(6,358)
Amortization of deferred policy acquisition costs	4,038	3,814
Amortization of cost of insurance acquired	172	161
Total benefits and expenses	52,787	49,199
Net income (loss) before taxes	4,925	6,715
Federal income tax expense (benefit)	383	1,843
Net income (loss)	4,542	4,872
Unrealized gains (losses) on available-for-sale debt securities:
Unrealized holding gains (losses) arising during period	(13,416)	43,436
Reclassification adjustment for losses (gains) included in net income	448	38
Unrealized gains (losses) on fixed maturity securities, net	(12,968)	43,474
Change in current discount rate for liability for future policy benefits	33,995	(20,480)
Income tax expense (benefit) on other comprehensive income items	2,642	1,415
Other comprehensive income (loss)	18,385	21,579
Comprehensive income (loss)	$ 22,927	$ 26,451
Common Stock Class A [Member]
Insurance benefits paid or provided:
Earnings Per Share, Basic	$ 0.09	$ 0.10
Earnings Per Share, Diluted	$ 0.09	$ 0.10

CIA Balance Sheet

2024-03-31

Consolidated Statements of Financial Position (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Investments:
Fixed maturity securities available-for-sale, at fair value (amortized cost: $1,397,074 and $1,389,038 in 2024 and 2023, respectively)	$ 1,234,048	$ 1,238,981
Equity securities, at fair value	5,419	5,282
Policy loans	75,274	75,359
Other long-term investments (portion measured at fair value $84,853 and $82,460 in 2024 and 2023, respectively)	85,118	82,725
Total investments	1,399,859	1,402,347
Cash and cash equivalents	23,242	26,997
Accrued investment income	17,290	17,360
Reinsurance recoverable	4,208	3,991
Deferred policy acquisition costs	180,061	175,768
Cost of insurance acquired	9,871	10,043
Current federal income tax receivable	192	1,546
Property and equipment, net	11,408	11,809
Due premiums	9,880	11,264
Other assets (less allowance for losses of $431 and $408 in 2024 and 2023, respectively)	9,652	7,803
Total assets	1,665,663	1,668,928
Future policy benefits reserves:
Life insurance	1,195,430	1,229,253
Accident & health insurance	844	889
Total future policy benefit reserves	1,196,274	1,230,142
Annuities	136,965	133,216
Dividend accumulations	45,760	44,960
Premiums paid in advance	32,391	32,446
Policy claims payable	7,983	6,637
Other policyholders' funds	7,402	7,363
Total policyholder funds	230,501	224,622
Total policy liabilities	1,426,775	1,454,764
Commissions payable	2,919	3,445
Deferred federal income tax liability	3,601	1,102
Payable for securities in process of settlement	1,350	0
Other liabilities	35,835	37,488
Total liabilities	1,470,480	1,496,799
Commitments and contingencies (Note 8)
Stockholders' equity:
Retained earnings	46,692	42,150
Accumulated other comprehensive income (loss)	(99,770)	(118,155)
Treasury stock, at cost	(23,725)	(23,725)
Total stockholders' equity	195,183	172,129
Total liabilities and stockholders' equity	1,665,663	1,668,928
Common Stock Class A [Member]
Stockholders' equity:
Common stock	268,802	268,675
Common Stock Class B [Member]
Stockholders' equity:
Common stock	$ 3,184	$ 3,184

About Citizens Inc-TX

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	Mr. Gerald W. Shields
WEBSITE	citizensinc.com
INDUSTRY	Insurance Property & Casualty
EMPLOYEES	224

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 Fri May 17 2024, market cap of Citizens Inc-TX is 139.47 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 Fri May 17 2024, CIA's PE ratio (Price to Earnings) is 5.79 and Price to Sales (PS) ratio is 0.58. 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 -0.078 (multiply by 100 for percentage) rate of return.