Citizens, Inc. (CIA) — Stock Score Summary

Citizens, Inc. (CIA) has a MoatMap StockRank of 23/100 based on Quality (34/100), Value (39/100), and Momentum (37/100) factor scores. The current signal is SELL. Citizens, Inc. is a small-cap insurance provider with weak profitability and low growth prospects. It does not meet our criteria for scalable compounders or destination businesses.

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.

Key Financial Metrics

Price$5.42
Market Cap$263M
P/E (TTM)14.63
P/E (Forward)14.22
Price/Book1.08
Return on Equity8.1%
Gross Margin29.0%
Operating Margin4.0%
Revenue Growth7.3%
Free Cash Flow$9M

Citizens, Inc. operates in the Insurance - Life industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Citizens, Inc.’s (CIA) StockRank?
MoatMap’s StockRank for Citizens, Inc. (CIA) is 23/100, with a Sell signal. It is a composite of Quality (34), Value (39), and Momentum (37) factor ranks across MoatMap’s 19,000+ stock universe.
Does Citizens, Inc. have an economic moat?
Citizens, Inc. (CIA) has a Quality factor score of 34/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Citizens, Inc. a buy, hold, or sell?
MoatMap’s current signal for Citizens, Inc. (CIA) is Sell, based on a StockRank of 23/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Citizens, Inc. in?
Citizens, Inc. (CIA) operates in the Financial Services sector, specifically the Insurance - Life industry (United States).
Browse all ranked stocksCIA deep dive reportAI ChampionsHow we score stocksSense-check another stock