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    • Citizens Inc. logo

    Citizens Inc.

    CIA | NYSE
    Chart Builder DCF Calculator
    $3.69
    +$0.08 (+2.22%)
    Sep 22, 2026, 1:58 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $182.5M
    Enterprise Value
    $182.5M
    Beta
    0.43
    Average Volume
    121.53K
    Shares Outstanding (Diluted)
    50.99M
    Shares Change YoY
    0%
    Institutional Ownership
    28.29%
    Exchange
    NYSE
    ISIN
    US1747401008

    Price Performance

    Price Change 1M
    -4.8%
    Price Change 3M
    -38.7%
    Price Change 6M
    -21.2%
    Price Change YTD
    -27.5%
    Price Change 1Y
    -36.3%
    Price Change 3Y
    20.7%
    Price Change 5Y
    -41.1%
    1M CAGR (ann.)
    -5.0%
    1Y CAGR (ann.)
    -35.4%
    5Y CAGR (ann.)
    -8.8%
    All-Time CAGR
    -2.8%

    Valuation

    PE Ratio
    15.70
    Forward PE
    13.02
    PEG Ratio
    0.15
    Forward PEG
    0.29
    PS Ratio
    0.72
    Forward PS
    0.70
    PB Ratio
    0.78
    P/FCF Ratio
    12.75
    P/Adj. FCF Ratio
    15.39
    P/OCF Ratio
    11.65
    EV/Sales
    0.72
    EV/EBIT
    12.40
    EV/EBITDA
    12.02
    EV/FCF
    12.75
    Earnings Yield
    6.4%
    FCF Yield
    7.8%
    Adj. FCF Yield
    6.5%

    Financial Health

    Net Debt
    $0
    Total Debt
    $0
    Cash & Short-Term Investments
    $0
    Total Assets
    $0
    Current Ratio
    0.00
    Quick Ratio
    0.00
    Debt / Equity Ratio
    0.00
    Debt / EBITDA
    0.00
    Debt / FCF
    0.00
    OCF / Debt
    N/A
    Interest Coverage
    0.00
    Altman Z-Score
    0.00
    Piotroski F-Score
    3

    Margins & Profitability

    Gross Profit Margin
    33.4%
    Operating Profit Margin
    5.8%
    EBITDA Margin
    5.8%
    Net Profit Margin
    4.6%
    FCF Margin
    5.7%
    Adj. FCF Margin
    4.7%
    SBC / Revenue
    0.8%
    SBC Impact (per share)
    -17.2%

    Returns

    Return on Assets
    0.7%
    Return on Equity
    5.0%
    Return on Invested Capital
    0.7%
    Return on Capital Employed
    0.8%
    Return on Tangible Assets
    0.8%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    2.1%
    Revenue CAGR 5Y
    0.8%
    Revenue CAGR 10Y
    0.7%
    EPS CAGR 3Y
    18.0%
    EPS CAGR 5Y
    -20.8%
    EPS CAGR 10Y
    162.6%
    FCF CAGR 3Y
    -32.5%
    FCF CAGR 5Y
    -12.7%
    FCF CAGR 10Y
    -16.7%

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    0
    EPS Growth Next 3Y
    17.2%
    Revenue Growth Next 3Y
    2.5%
    Earnings Date
    Nov 4, 2026
    EPS Estimate (next Q)
    $0.03
    EPS Growth Est (next Q)
    -57.1%
    Revenue Est (next Q)
    $64.72M
    Revenue Growth Est (next Q)
    3.0%

    Fair Value Estimates

    Graham Number
    $4.93
    Graham Upside
    36.6%
    Lynch Fair Value
    $1.15
    Lynch Upside
    -68.1%
    Price Target
    $3.70
    Price Target Upside
    2.5%

    Cash Flow

    Operating Cash Flow
    $15.17M
    Free Cash Flow
    $14.32M
    Adj. Free Cash Flow
    $11.86M
    FCF Per Share
    $0.30
    OCF Per Share
    $0.31
    OCF/S Ratio
    6.1%

    Income Statement

    Revenue
    $253.51M
    Gross Profit
    $57.99M
    Operating Income
    $14.72M
    EBITDA
    $15.19M
    Net Income
    $11.6M
    EPS (Diluted)
    $0.23
    Revenue / Employee
    $1.03M
    Profit / Employee
    $47.34K
    Employees
    245

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