Citizens, Inc.
Citizens, Inc.
Your view on CIA
Overview
What the company does, where it operates, and who runs it.
About Citizens, Inc.
- Industry
- Insurance - Life
- Sector
- Financial Services
- CEO
- Jon Scott Stenberg
- Headquarters
- 11815 Alterra Pkwy, Austin, TX, US
- Industry
- Insurance - Life
- Sector
- Financial Services
- CEO
- Jon Scott Stenberg
- Headquarters
- 11815 Alterra Pkwy, Austin, TX, US
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It 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 health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Citizens, Inc., and the rating behind it. CIA last traded at $3.58, 15.3× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Citizens, Inc.. Starting points for Citizens, Inc.: P/E 15.3, EPS $0.23, beta 0.43 — an Insurance - Life name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Citizens, Inc.. Citizens, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Citizens, Inc.. Trailing twelve-month EPS for Citizens, Inc. stands at $0.23. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Citizens, Inc.. Citizens, Inc. has reported as a listed company since 1980. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Citizens, Inc. valued side by side against its closest peers. Citizens, Inc. is measured against Insurance - Life peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Citizens, Inc., and how their positions are changing. At a $181.0M market value, institutional positions materially move Citizens, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Citizens, Inc. executives and directors. Shares of Citizens, Inc. have traded between $2.90 and $6.36 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Citizens, Inc.. Citizens, Inc. is a $181.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Citizens, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Citizens, Inc.. Coverage tracks Citizens, Inc. within Insurance - Life (Financial Services). Press releases and market coverage, newest first.