CIA
SinkerCitizens, Inc. · Financial Services · United States · $182M cap · $484K/day traded
$4.03 -8.0% · close 11 Nov · scored 12 Nov
Score down 1.4 since 11 Nov.
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 12 Nov 2026, the MoatMap Score for Citizens, Inc. (CIA) is 22/100, ranked against 25,000+ stocks in 38 markets (Quality 39, Value 45, Momentum 23, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT CITIZENS, INC.
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Citizens, Inc. is a life insurance holding company engaged in the financial services sector, primarily offering life insurance and annuity products. Its competitive moat is based on its established customer base, long-standing reputation, and conservative investment strategy for managing policyholder funds. Citizens, Inc. operates as a traditional life insurer, focused on providing financial security and protection to individuals and families.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 232.5M | 240.7M | 245.0M | 255.6M | 3.2% | 257.2M | 256.2M | 267.1M | 2.2% |
| EPS | 0.52 | 0.49 | 0.30 | 0.29 | -17.7% | 0.17 | 0.12 | 0.20 | -17.0% |
| Shares | 49.8M | 49.6M | 49.9M | 50.3M | +1.0% | 50.7M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — |
| Equity | 127.8M | 65.9M | 210.4M | 235.0M | 22.5% | — | — | — | — |
| Op CF | 56.9M | 22.1M | 31.9M | 18.0M | -31.9% | 22.1M | — | — | — |
| Inv CF | -60.7M | -14.5M | -27.2M | -19.7M | — | — | — | — | — |
| Fin CF | -0.5M | -3.5M | -2.5M | -4.6M | — | — | — | — | — |
No new 52-week low for 4 weeks, 22% above that low, but not back above a rising 50-day average.
Swung more than 64% of stocks we rank over the past year (volatility 52% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CIA are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| CIA | Citizens, Inc.(you) | $182M | 22 |
| ABX | Abacus Global Management, Inc. | $812M | 45 |
| BHFAP | Brighthouse Financial, Inc. | $2.7B | 30 |
| SNFCA | Security National Financial Corporation | $238M | 81 |
| GNW | Genworth Financial, Inc. | $3.4B | 36 |
| FG | F&G Annuities & Life, Inc. | $2.7B | 47 |
| UNM | Unum Group | $14.3B | 32 |
| SPEG | Silver Pegasus Acquisition Corp. | $160M | 22 |
| TDAC | Translational Development Acquisition Corp. | $209M | 22 |
| LKSP | Lake Superior Acquisition Corp. | $161M | 23 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.