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Company Analysis

Citizens, Inc. CIA

A comprehensive view of key metrics, scores, and financial health for Citizens, Inc.

Overview of Citizens, Inc.

CIA NYQ
Financial Services Insurance - Life Framework: Insurance & Reinsurance Micro Cap
Citizens, Inc. (CIA), is a Micro Cap company, in the Insurance - Life industry, last closed at $3.72, about 26.3% undervalued vs fair value, -35.3% 1Y return, ranked 971/1078 in sector.
Metrics P/E 17.3× Rev Growth 4.3% ROE 6.6%
USD 3.72
2.76%
(Delayed)
• Vol 90d: 51.0%
52-Week Range
Market Cap
$188.40M
Enterprise Value
$168.47M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 70%
Confidence: 85%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.citizensinc.com
HQ Austin, TX
Employees 247
Fiscal year Dec 31

Next Events

Earnings Nov 5 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$5
$9
Current: $3.72 +26% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$255.6M
4.3%%
Claims & Losses
-$123.3M
4.7%%
Acquisition & Admin Expenses
$53.0M
Underwriting Result
$15.0M
-92.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
48.2%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Citizens, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable, Diversified Revenue Streams Revenue stability is high (score 0.77), indicating diversification across risk segments.

Key risks

  • Below-Peer Return on Equity ROE signal is weak (score 0.23), with ROE at 6.6% trailing peers — raising capital efficiency concerns.
  • High Expense Ratio Vs Peers Expense efficiency is weak (score 0.27), with operating margin at 6.8% — below peers.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
39
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CIA's balance between Growth (33.7%), Profitability (26.0%), and Safety (40.2%). Growth 34% Safety 40% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

33th percentile vs peers
34
Key Signals
Rev Growth YoY 4.3% 32p Equity Growth YoY 11.7% 45p Revenue CAGR 3Y 3.2% 25p EPS Growth YoY -3.5% 33p Asset Growth YoY 4.1% 33p
Strengths
  • Interest Coverage (EBITDA) in top 20% of peers (32.53, 80th percentile)
  • D/E Ratio in top 20% of peers (3.7%, 88th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 33)

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Citizens, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$4.70
- - -
+26.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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