CIA
SellBargain BinCitizens, Inc. · Financial Services · United States · $179M · Avg Vol: $453K/d
Bargain Bin: Looks like a bargain; the quality and the trend say why it is in the bin.
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% | 255.0M | 256.2M | 267.1M | 2.2% |
| EPS | 0.52 | 0.49 | 0.30 | 0.29 | -17.7% | 0.22 | 0.12 | 0.20 | -17.0% |
| Shares | 49.8M | 49.6M | 49.9M | 50.3M | +1.0% | 50.6M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — |
| Equity | 127.8M | 65.9M | 210.4M | 235.0M | 22.5% | — | — | — | — |
| Op CF | 56.9M | 22.1M | 31.9M | 18.0M | -31.9% | 15.5M | — | — | — |
| Inv CF | -60.7M | -14.5M | -27.2M | -19.7M | — | — | — | — | — |
| Fin CF | -0.5M | -3.5M | -2.5M | -4.6M | — | — | — | — | — |
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 | StockRank | Signal |
|---|---|---|---|---|
| CIA | Citizens, Inc.(you) | $179M | 21 | Sell |
| ABX | Abacus Global Management, Inc. | $765M | 32 | Sell |
| SNFCA | Security National Financial Corporation | $225M | 74 | Buy |
| FG | F&G Annuities & Life, Inc. | $2.8B | 40 | Hold |
| BHFAP | Brighthouse Financial, Inc. | $2.7B | 50 | Hold |
| GNW | Genworth Financial, Inc. | $3.6B | 55 | Hold |
| NPV | Nuveen Virginia Quality Municipal Income Fund | $189M | 22 | Sell |
| LKSP | Lake Superior Acquisition Corp. | $161M | 21 | Sell |
| HGLB | Highland Global Allocation Fund | $168M | 20 | Strong Sell |
| OSG | Octave Specialty Group, Inc. | $187M | 24 | Sell |
Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.