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Citizens Inc

CIA | US

5.08

USD

-0.04

-0.78%

CIA | US
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About Citizens Inc

Sector

Financial Services

Industry

Insurance-Life

Earnings date

30/06/2024

As of date

09/03/2026

Close

5.08

Open

4.97

High

5.16

Low

4.87

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.

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CIA | US

Risk
50.6
Sharpe
0.20
Luna's Score
39/100
Recommendation
Sell

Luna says (CIA | US)

What's Working

Low Market Beta (-0.4 to 0.8)

Value Stock (Price to Book < 3)

What's not Working

Negative Momentum (Declining Price)

Weakness based on declining price with high volume

Price Below SMA10D

High Short-term Volatility

Microcap (<300M USD)

Weak Operating Margin (< 10%)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

60.8%

1 month

50.6%

3 months

56.7%

6 months

54.5%

Returns

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Fundamental Ratios

PE

13.63

Fwd. PE

13.62

Price to book

1.53

Debt to equity

-

Debt to assets

-

Ent. to EBITDA

-

Ent. to rev.

1.08

PEG

-

Other Fundamentals

EBITDA

22.20M

MarketCap

253.33M

MarketCap(USD)

253.33M

Div. yield

-

Op. margin

5.32

Erngs. growth

-33.50

Rev. growth

6.10

Ret. on equity

12.97

Short ratio

40.80

Short perc.

8.45

Market Sentiment (SMA and Price signals)

Short-term: Bearish (SMA10D < SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

1.14

Range1M

1.60

Range3M

1.80

Volumes: Market Activity

Volume Averages

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Rel. volume

1.04

Price X volume

448.79K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Cohen & Steers Real Estate Opportunities and Income FundRLTYAsset Management15.39257.36M-1.22%16.690.00%
MFS Charter Income TrustMCRAsset Management6.1256.29M-0.49%11.8533.45%
MFS Multimarket Income TrustMMTAsset Management4.59254.39M-0.65%14.1234.45%
Golden Bull LimitedBTBTCapital Markets1.67246.81M3.09%19.291.79%
Stellus Capital Investment CorporationSCMAsset Management9.42244.75M-2.79%11.16168.91%
First Western Financial IncMYFWBanks-Regional23.62228.18M-1.87%58.78107.53%
MFS Municipal Income TrustMFMAsset Management5.47225.30M-0.36%33.4746.74%
B. Riley Financial IncRILYAsset Management7.38223.58M-1.34%n/a998.93%
Invesco Trust for Investment Grade New York MunicipalsVTNAsset Management11.28219.71M1.90%13.5456.12%
Common StockSSSSAsset Management9.14213.67M2.81%n/a45.54%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Simulations Plus IncSLPHealth Information Services12.43248.70M1.72%71.150.51%
CPI Card Group IncPMTSBuilding Products & Equipment15.485172.78M-0.23%15.61-621.78%
Definitive Healthcare Corp.DHHealth Information Services1.24145.23M5.08%n/a40.35%
LFMDLFMDHealth Information Services3.12134.37M4.00%n/a-494.85%
OptimizeRx CorporationOPRXHealth Information Services6.84125.32M1.48%n/a29.82%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment41.64119.58M-0.50%5.1619.82%
Cosmos Group Holdings IncCOSGMedia - Diversified0.05114.65Mn/a-91.95%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.2100.99M-0.80%9.0939.79%
Reading International IncRDIBMedia - Diversified11.2488.17M-2.68%n/a4054.78%
American Well CorporationAMWLHealth Information Services5.5683.35M1.83%n/a2.74%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--5.66-
Ent. to Revenue1.081.75Cheaper
PE Ratio13.6317.00Par
Price to Book1.531.67Par
Dividend Yield-2.96-
Std. Deviation (3M)56.6630.52Riskier
Debt to Equity-0.66-
Debt to Assets-0.05-
Market Cap253.33M20.04BEmerging
  • 1

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