Citizens Inc.

NYSE: CIA · Real-Time Price · USD
3.75
-0.01 (-0.27%)
At close: May 30, 2025, 10:31 AM

Citizens Statistics

Share Statistics

Citizens has 50.15M shares outstanding. The number of shares has increased by 0.55% in one year.

Shares Outstanding 50.15M
Shares Change (YoY) 0.55%
Shares Change (QoQ) 0%
Owned by Institutions (%) 15.28%
Shares Floating n/a
Failed to Deliver (FTD) Shares 5,384
FTD / Avg. Volume 5.02%

Short Selling Information

The latest short interest is 5.09M, so 10.15% of the outstanding shares have been sold short.

Short Interest 5.09M
Short % of Shares Out 10.15%
Short % of Float 10.31%
Short Ratio (days to cover) 60.12

Valuation Ratios

The PE ratio is 15.01 and the forward PE ratio is 9.26. Citizens's PEG ratio is -0.33.

PE Ratio 15.01
Forward PE 9.26
PS Ratio 0.91
Forward PS 0.7
PB Ratio 1.06
P/FCF Ratio 7.16
PEG Ratio -0.33
Financial Ratio History

Enterprise Valuation

Citizens has an Enterprise Value (EV) of 194.49M.

EV / Sales 0.79
EV / EBITDA 12.47
EV / EBIT 6.09
EV / FCF 6.22

Financial Position

The company has a current ratio of 3.72, with a Debt / Equity ratio of 0.

Current Ratio 3.72
Quick Ratio 3.72
Debt / Equity 0
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage 0

Financial Efficiency

Return on Equity is 7.09% and Return on Invested Capital is 0.89%.

Return on Equity 7.09%
Return on Assets 0.89%
Return on Invested Capital 0.89%
Revenue Per Employee $991,906.88
Profits Per Employee $60,372.47
Employee Count 247
Asset Turnover 0.15
Inventory Turnover n/a

Taxes

Income Tax 68K
Effective Tax Rate 0.45%

Stock Price Statistics

The stock price has increased by 32.86% in the last 52 weeks. The beta is 0.44, so Citizens's price volatility has been higher than the market average.

Beta 0.44
52-Week Price Change 32.86%
50-Day Moving Average 4.25
200-Day Moving Average 4.27
Relative Strength Index (RSI) 42.81
Average Volume (20 Days) 107,214

Income Statement

In the last 12 months, Citizens had revenue of 245M and earned 14.91M in profits. Earnings per share was 0.27.

Revenue 245M
Gross Profit 245M
Operating Income 14.98M
Net Income 14.91M
EBITDA 15.6M
EBIT 14.98M
Earnings Per Share (EPS) 0.27
Full Income Statement

Balance Sheet

The company has 29.27M in cash and 0 in debt, giving a net cash position of 29.27M.

Cash & Cash Equivalents 29.27M
Total Debt n/a
Net Cash n/a
Retained Earnings 57.06M
Total Assets 1.56B
Working Capital 18.66M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 31.92M and capital expenditures -663K, giving a free cash flow of 31.25M.

Operating Cash Flow 31.92M
Capital Expenditures -663K
Free Cash Flow 31.25M
FCF Per Share 0.56
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 6.11% and 6.09%.

Gross Margin 100%
Operating Margin 6.11%
Pretax Margin 6.11%
Profit Margin 6.09%
EBITDA Margin 6.37%
EBIT Margin 6.11%
FCF Margin 12.76%

Dividends & Yields

CIA does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Payout Ratio n/a
Earnings Yield 6.66%
FCF Yield 13.97%
Dividend Details

Analyst Forecast

Currently there are no analyst rating for CIA.

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Stock Forecasts

Stock Splits

The last stock split was on Dec 13, 2005. It was a forward split with a ratio of 107:100.

Last Split Date Dec 13, 2005
Split Type forward
Split Ratio 107:100

Scores

Altman Z-Score 0.32
Piotroski F-Score 5