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Citizens Inc

CIA | US

5.63

USD

-0.03

-0.53%

CIA | US

About Citizens Inc

Sector

Financial Services

Industry

Insurance-Life

Earnings date

30/06/2024

As of date

21/04/2026

Close

5.63

Open

5.61

High

5.64

Low

5.48

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
39.4
Sharpe
0.44
Luna's Score
52/100
Recommendation
Hold

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

Microcap (<300M USD)

Weak Operating Margin (< 10%)

Volatility Signals

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

Risk Meter

10 days

42.7%

1 month

39.4%

3 months

48.6%

6 months

54.8%

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

280.76M

MarketCap(USD)

280.76M

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: Bullish (SMA10D > SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

Range10D

0.74

Range1M

1.27

Range3M

2.00

Volumes: Market Activity

Rel. volume

0.70

Price X volume

343.15K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Eaton Vance Senior Floating-Rate TrustEFRAsset Management10.48306.03M-1.13%7.5126.32%
Common StockSSSSAsset Management13.06305.32M-1.58%n/a45.54%
PennantPark Investment CorporationPNNTAsset Management4.59299.71M-1.71%10.59154.26%
Sprott Focus Trust IncFUNDAsset Management9.94296.26M1.22%14.080.00%
Invesco Municipal Income Opportunities TrustOIAAsset Management6.09290.22M-0.65%14.7846.09%
Putnam Managed Municipal Income TrustPMMAsset Management6.25285.87M-0.48%11.213.07%
MFS Intermediate Income TrustMINAsset Management2.48282.75M0.00%135.500.00%
Eaton Vance Floating-Rate Income TrustEFTAsset Management10.78282.52M-1.19%6.4455.02%
Eaton Vance National Municipal Opportunities TrustEOTAsset Management17.18268.44M-0.69%19.1214.08%
Cohen & Steers Real Estate Opportunities and Income FundRLTYAsset Management15.4257.52M-1.53%16.690.00%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Simulations Plus IncSLPHealth Information Services15.31306.32M2.27%71.150.51%
EUDA Health Holdings LimitedEUDAHealth Information Services5.72200.93M-3.05%n/a-42.31%
CPI Card Group IncPMTSBuilding Products & Equipment17.95200.28M-4.93%15.61-621.78%
LFMDLFMDHealth Information Services4.53195.10M-10.47%n/a-494.85%
Cosmos Group Holdings IncCOSGMedia - Diversified0.0626143.54M4.33%n/a-91.95%
OptimizeRx CorporationOPRXHealth Information Services6.94127.15M-3.61%n/a29.82%
Definitive Healthcare Corp.DHHealth Information Services1.05122.98M0.00%n/a40.35%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment37.35107.26M1.33%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0999.20M-1.93%9.0939.79%
American Well CorporationAMWLHealth Information Services6.3194.59M-4.54%n/a2.74%
  • 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)48.63-Riskier
Debt to Equity-0.66-
Debt to Assets-0.05-
Market Cap280.76M-Emerging
  • 1

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