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Citizens Inc

CIA | US

4.63

USD

0

0%

CIA | US

About Citizens Inc

Sector

Financial Services

Industry

Insurance-Life

Earnings date

30/06/2024

As of date

19/03/2026

Close

4.63

Open

4.56

High

4.86

Low

4.40

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
58.5
Sharpe
-0.17
Luna's Score
42/100
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)

Price Below SMA10D

High Short-term Volatility

Microcap (<300M USD)

Weak Operating Margin (< 10%)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

10 days

59.7%

1 month

58.5%

3 months

55.7%

6 months

56.1%

Returns

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

230.89M

MarketCap(USD)

230.89M

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: Bearish (SMA1M < SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

Range10D

1.05

Range1M

2.00

Range3M

2.00

Volumes: Market Activity

Rel. volume

1.43

Price X volume

672.02K

Peers

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Day Return
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MFS Multimarket Income TrustMMTAsset Management4.51249.96M14.1234.45%
Stellus Capital Investment CorporationSCMAsset Management9.5246.83M-0.63%11.16168.91%
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MFS Municipal Income TrustMFMAsset Management5.4222.41M-0.37%33.4746.74%
Invesco Trust for Investment Grade New York MunicipalsVTNAsset Management11.18217.76M-1.41%13.5456.12%
Eaton Vance Municipal Income 2028 Term TrustETXAsset Management19.14208.38M0.74%24.4214.55%
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  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Simulations Plus IncSLPHealth Information Services11.71234.29M0.69%71.150.51%
LFMDLFMDHealth Information Services4.09176.15M-0.49%n/a-494.85%
CPI Card Group IncPMTSBuilding Products & Equipment13.96155.76M0.22%15.61-621.78%
Cosmos Group Holdings IncCOSGMedia - Diversified0.0621142.39M-63.47%n/a-91.95%
Definitive Healthcare Corp.DHHealth Information Services0.9995117.06M-6.59%n/a40.35%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.1598.07M-0.35%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment5.9396.60M-1.50%9.0939.79%
Reading International IncRDIBMedia - Diversified10.783.94M0.75%n/a4054.78%
American Well CorporationAMWLHealth Information Services5.5382.90M-1.07%n/a2.74%
Medical Outcomes Research Analysis LLCFORAHealth Information Services2.0563.78M0.99%70.3385.89%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA---
Ent. to Revenue1.08-Cheaper
PE Ratio13.6317.00Par
Price to Book1.531.67Par
Dividend Yield---
Std. Deviation (3M)55.74-Riskier
Debt to Equity-0.66-
Debt to Assets-0.05-
Market Cap230.89M-Emerging
  • 1

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