Citizens Company Profile (NYSE:CIA)

About Citizens (NYSE:CIA)

Citizens, Inc. is an insurance holding company. The Company operates in three business segments: Life Insurance, Home Service and Other Non-Insurance Enterprises. The Life Insurance segment issues ordinary whole life insurance in the United States and in the United States Dollar-denominated amounts to foreign residents. It operates this segment through its subsidiaries, including CICA Life Insurance Company of America (CICA) and Citizens National Life Insurance Company (CNLIC). The Home Service segment sells limited-liability, named peril property policies covering dwelling and contents. Its home service insurance products consist of small face amount ordinary whole life and pre-need policies, which are designed to fund final expenses for the insured, primarily consisting of funeral and burial costs. The Other Non-insurance Enterprises segment includes Computing Technology, Inc. and Insurance Investors, Inc. This segment also includes the results of Citizens, Inc., the parent company.

Industry, Sector and Symbol:

Sector: Finance
Industry: Life Insurance
Sub-Industry: Life & Health Insurance
Symbol: NYSE:CIA
CUSIP: 17474010
Web: www.citizensinc.com

Capitalization:

Market Cap: $384.12 million
Outstanding Shares: 50,081,000

Average Prices:

50 Day Moving Avg: $7.76
200 Day Moving Avg: $7.18
52 Week Range: $5.86 - $11.93

P/E:

Trailing P/E Ratio: 69.82
Foreward P/E Ratio: 63.92
P/E Growth: 0.00

Sales & Book Value:

Annual Revenue: $250.08 million
Price / Sales: 1.54
Book Value: $5.15 per share
Price / Book: 1.49

Profitability:

EBIDTA: $10.29 million
Net Margins: 2.20%
Return on Equity: 2.15%
Return on Assets: 0.34%

Debt:

Current Ratio: 0.06%
Quick Ratio: 0.06%

Misc:

Average Volume: 91,888 shs.
Beta: 1.14
Short Ratio: 60.8

Frequently Asked Questions for Citizens (NYSE:CIA)

What is Citizens' stock symbol?

Citizens trades on the New York Stock Exchange (NYSE) under the ticker symbol "CIA."

How were Citizens' earnings last quarter?

Citizens, Inc. (NYSE:CIA) released its quarterly earnings results on Monday, November, 7th. The company reported $0.05 EPS for the quarter. The firm earned $61.70 million during the quarter. Citizens had a net margin of 2.20% and a return on equity of 2.15%. View Citizens' Earnings History.

Who are some of Citizens' key competitors?

Some companies that are related to Citizens include Dime Community Bancshares (DCOM), CoBiz Financial (COBZ), ConnectOne Bancorp (CNOB), New Senior Investment Group (SNR), Federal Agricultural Mortgage Corporation (AGM), Guaranty Bancorp (GBNK), Northfield Bancorp (NFBK), Great Southern Bancorp (GSBC), Universal Insurance Holdings (UVE), Oritani Financial Corp. (ORIT), Forestar Group (FOR), The First of Long Island Corporation (FLIC), NMI Holdings (NMIH), Bryn Mawr Bank Corporation (BMTC), Investors Real Estate Trust (IRET), NorthStar Realty Europe Corp. (NRE), Meta Financial Group (CASH) and New York Mortgage Trust (NYMT).

Who are Citizens' key executives?

Citizens' management team includes the folowing people:

Kay E. Osbourn, President, Chief Corporate Officer
Geoffrey M. Kolander, Chief Executive Officer
David S. Jorgensen, Chief Financial Officer, Vice President, Treasurer
Terry B Festervand, Chief Operating Officer
Jeff Conklin, Chief Accounting Officer
Dottie S. Riley, Vice President - Employee Relations, Director
Cheri D Duncan, Corporate Secretary
Robert B. Sloan Jr., Non-Executive Independent Chairman of the Board
Christopher W. Claus, Director
J.D. Davis, Director

Who owns Citizens stock?

Citizens' stock is owned by a number of of institutional and retail investors. Top institutional shareholders include Vanguard Group Inc. (3.83%), Dimensional Fund Advisors LP (2.97%), State Street Corp (1.71%), Northern Trust Corp (1.04%), Bank of New York Mellon Corp (0.43%) and Schwab Charles Investment Management Inc. (0.37%). Company insiders that own Citizens stock include Cheri D Duncan, Harold E Riley, Randall H Riley, Rick D Riley and Robert B Sloan Jr. View Institutional Ownership Trends for Citizens.

Who sold Citizens stock? Who is selling Citizens stock?

Citizens' stock was sold by a variety of institutional investors in the last quarter, including California State Teachers Retirement System, Dimensional Fund Advisors LP, Rhumbline Advisers, Royal Bank of Canada, Bank of New York Mellon Corp and New York State Common Retirement Fund. View Insider Buying and Selling for Citizens.

Who bought Citizens stock? Who is buying Citizens stock?

Citizens' stock was acquired by a variety of institutional investors in the last quarter, including Vanguard Group Inc., State Street Corp, Hancock Holding Co., Goldman Sachs Group Inc., Northern Trust Corp, Alliancebernstein L.P., Teachers Advisors LLC and UBS Asset Management Americas Inc.. Company insiders that have bought Citizens stock in the last two years include Rick D Riley and Robert B Sloan Jr. View Insider Buying and Selling for Citizens.

How do I buy Citizens stock?

Shares of Citizens can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is Citizens' stock price today?

One share of Citizens stock can currently be purchased for approximately $7.67.

MarketBeat Community Rating for Citizens (NYSE CIA)

Community Ranking:		2.1 out of 5 ( )
Outperform Votes:		31 (Vote Outperform)
Underperform Votes:		42 (Vote Underperform)
Total Votes:		73

MarketBeat's community ratings are surveys of what our community members think about Citizens and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.

Consensus Ratings for Citizens (NYSE:CIA) (How are Consensus Ratings Calculated?)

Ratings Breakdown:	No ratings tracked in the last 12 months.
Consensus Rating:	N/A (Score: NaN)
Consensus Price Target:	N/A

Analysts' Ratings History for Citizens (NYSE:CIA)

Show:

No equities research coverage for this company has been tracked by MarketBeat.com

Earnings History for Citizens (NYSE:CIA)

Earnings by Quarter for Citizens (NYSE:CIA)

Earnings History by Quarter for Citizens (NYSE CIA)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
11/7/2016	Q3 2016		$0.05		$61.70 million	View	N/A
3/24/2016	Q4		($0.04)		$65.18 million	View	N/A
8/7/2014	Q114	$0.03	$0.03	$55.42 million	$54.75 million	View	N/A
3/11/2014	Q413	$0.03	$0.02	$55.83 million	$56.87 million	View	N/A
4/11/2013	Q4 12		($0.01)			View	N/A
3/11/2013	Q4 2012	$0.04	($0.01)			View	N/A

(Data available from 1/1/2011 forward)

Earnings Estimates for Citizens (NYSE:CIA)

Current Year EPS Consensus Estimate: $0.11 EPS
Next Year EPS Consensus Estimate: $0.12 EPS

Dividend History for Citizens (NYSE:CIA)
No dividend announcements for this company have been tracked by MarketBeat.com

Insider Trading and Institutional Ownership History for Citizens (NYSE:CIA)

Insider Ownership Percentage: 7.91%
Institutional Ownership Percentage: 20.68%

Institutional Ownership by Quarter for Citizens (NYSE:CIA)

Insider Trades by Quarter for Citizens (NYSE:CIA)

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
9/5/2017	Robert B Sloan Jr	Director	Buy	510	$7.81	$3,983.10
12/27/2016	Harold E Riley	Director	Sell	14,000	$10.53	$147,420.00
12/8/2016	Robert B Sloan Jr	Director	Buy	206	$9.70	$1,998.20
9/8/2016	Cheri D Duncan	Insider	Sell	408	$9.85	$4,018.80
6/6/2016	Robert B Sloan Jr	Director	Buy	247	$8.08	$1,995.76
4/13/2016	Rick D Riley	CEO	Buy	1,331	$7.48	$9,955.88
9/25/2015	Randall H Riley	VP	Sell	10,000	$7.46	$74,600.00
5/16/2014	Rick D Riley	Chairman	Buy	10,000	$6.12	$61,200.00
5/31/2013	Rick D Riley	Chairman	Buy	10,000	$6.15	$61,500.00

(Data available from 1/1/2013 forward)

Headline Trends for Citizens (NYSE:CIA) Latest Headlines for Citizens (NYSE:CIA)

Source:

Date	Headline
	ETFs with exposure to Citizens, Inc. : September 22, 2017 finance.yahoo.com - September 22 at 4:11 PM
	Founding CEO of Austin public company remembered as inspiring leader, selfless philanthropist finance.yahoo.com - September 22 at 4:11 PM
	Citizens, Inc. :CIA-US: Earnings Analysis: Q2, 2017 By the Numbers : September 21, 2017 finance.yahoo.com - September 21 at 5:02 PM
	Citizens, Inc. Announces The Passing Of Its Founder Harold E. Riley, Former Chairman And CEO finance.yahoo.com - September 21 at 5:02 PM
	Citizens, Inc. breached its 50 day moving average in a Bullish Manner : CIA-US : September 14, 2017 finance.yahoo.com - September 14 at 5:57 PM
	Citizens, Inc. Announces Deloitte & Touche LLP As New Auditors finance.yahoo.com - September 8 at 5:34 PM
	Citizens, Inc. – Value Analysis (NYSE:CIA) : August 30, 2017 finance.yahoo.com - August 30 at 9:59 PM
	BidaskClub Downgrades Citizens, Inc. (CIA) to Hold www.americanbankingnews.com - August 27 at 8:32 PM
	Citizens, Inc. breached its 50 day moving average in a Bullish Manner : CIA-US : August 25, 2017 finance.yahoo.com - August 25 at 6:58 PM
	Notable Tuesday Option Activity: CIA, REGN, TSLA www.nasdaq.com - August 1 at 5:54 PM
	Citizens, Inc. (CIA) to Release Earnings on Tuesday www.americanbankingnews.com - August 1 at 7:17 AM
	Scott+Scott, Attorneys at Law, LLP Announces Investigation into Citizens, Inc. (CIA) finance.yahoo.com - June 20 at 4:56 PM
	75th Anniversary of the Office of Strategic Services, predecessor to the CIA and SOCOM www.prnewswire.com - June 19 at 2:22 PM
	ETFs with exposure to Citizens, Inc. : June 12, 2017 finance.yahoo.com - June 12 at 5:19 PM
	Citizens, Inc. :CIA-US: Earnings Analysis: Q1, 2017 By the Numbers : June 9, 2017 finance.yahoo.com - June 9 at 4:53 PM
	Citizens, Inc. – Value Analysis (NYSE:CIA) : June 6, 2017 finance.yahoo.com - June 6 at 4:30 PM
	Citizens, Inc. breached its 50 day moving average in a Bullish Manner : CIA-US : June 5, 2017 finance.yahoo.com - June 5 at 12:14 PM
	Saudis Have a Red Carpet Ready for Trump, and a Steep Wish-List www.bloomberg.com - May 18 at 11:15 AM
	Citizens, Inc. Creates New Chief Accounting Officer Role finance.yahoo.com - May 16 at 9:53 AM
	MAY 15 DEADLINE: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Encourages Investors with Losses to Contact the Firm finance.yahoo.com - May 13 at 2:53 AM
	SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders with Losses on their Investment in Citizens, Inc. of Class Action Lawsuit and Upcoming Deadline– CIA finance.yahoo.com - May 12 at 9:52 PM
	Law Offices of Howard G. Smith Reminds Citizens, Inc. Investors of Pending Lawsuit And Upcoming Lead Plaintiff Deadline finance.yahoo.com - May 12 at 4:51 PM
	FINAL DEADLINE ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against Citizens, Inc. (CIA) and Lead Plaintiff Deadline: May 15, 2017 finance.yahoo.com - May 12 at 4:51 PM
	CIA UPCOMING DEADLINE: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of May 15, 2017 finance.yahoo.com - May 12 at 4:51 PM
	INVESTOR ALERT: Levi & Korsinsky, LLP Reminds Investors of a a Class Action Against Citizens, Inc. and its Board of Directors and a Lead Plaintiff Deadline of May 15, 2017 - CIA finance.yahoo.com - May 11 at 4:55 PM
	MONDAY DEADLINE: Lundin Law PC Announces a Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 11 at 4:55 PM
	DEADLINE ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against Citizens, Inc. (CIA) & Lead Plaintiff Deadline: May 15, 2017 finance.yahoo.com - May 10 at 4:28 PM
	5-DAY DEADLINE: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Encourages Investors with Losses to Contact the Firm finance.yahoo.com - May 10 at 4:28 PM
	CITIZENS INC. LOSS NOTICE: Rosen Law Firm Reminds Investors of Important May 15 Deadline in Their First-Filed Class Action - CIA www.bizjournals.com - May 10 at 8:21 AM
	SHAREHOLDER ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses In Excess Of $100,000 Investing In Citizens Inc. To Contact The Firm Before Imminent Lead Plaintiff Deadline finance.yahoo.com - May 9 at 9:20 PM
	The Klein Law Firm Reminds Investors of Commencement of a Class Action Filed on Behalf of Citizens, Inc. Shareholders and a Lead Plaintiff Deadline of May 15, 2017 finance.yahoo.com - May 9 at 4:18 PM
	INVESTOR ALERT: Lundin Law PC Announces a Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 9 at 4:18 PM
	CIA EQUITY ALERT: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of May 15, 2017 finance.yahoo.com - May 8 at 4:13 PM
	CIA Investors: GPM Reminds Investors of the May 15 Deadline in the Class Action Lawsuit Against Citizens, Inc. finance.yahoo.com - May 8 at 4:13 PM
	7-DAY DEADLINE: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 8 at 4:13 PM
	SHARHEOLDER ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 6 at 5:04 AM
	SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders with Losses on their Investment in Citizens, Inc. of Class Action Lawsuit and Upcoming Deadline-- CIA finance.yahoo.com - May 5 at 9:31 PM
	ETFs with exposure to Citizens, Inc. : May 5, 2017 finance.yahoo.com - May 5 at 4:31 PM
	SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of a Commencement of a Class Action Against Citizens, Inc. and Its Board of Directors and a Lead Plaintiff Deadline of May 15, 2017 -- CIA finance.yahoo.com - May 4 at 4:25 PM
	EQUITY ALERT: Rosen Law Firm Announces Filing of Securities Class Action Lawsuit Against Citizens, Inc. - CIA finance.yahoo.com - May 2 at 7:41 PM
	IMPORTANT EQUITY ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 2 at 7:41 PM
	DEADLINE ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against Citizens, Inc. (CIA) and Lead Plaintiff Deadline: May 15, 2017 finance.yahoo.com - May 2 at 7:41 PM
	EQUITY ALERT: Levi & Korsinsky, LLP Reminds Investors of a Class Action Against Citizens, Inc. and Its Board of Directors and a Lead Plaintiff Deadline of May 15, 2017 - CIA finance.yahoo.com - May 2 at 7:41 PM
	Citizens, Inc. :CIA-US: Earnings Analysis: Q4, 2016 By the Numbers : May 2, 2017 finance.yahoo.com - May 2 at 7:41 PM
	EQUITY ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - May 2 at 7:41 PM
	INVESTOR ALERT: Levi & Korsinsky, LLP Reminds Investors of a Class Action Against Citizens, Inc. and Its Board of Directors and a Lead Plaintiff Deadline of May 15, 2017 -- CIA finance.yahoo.com - May 1 at 4:17 PM
	SHAREHOLDER ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm finance.yahoo.com - April 29 at 7:24 AM
	SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action against Citizens, Inc. and Certain Officers – CIA www.globenewswire.com - April 28 at 5:15 PM
	SHAREHOLDER ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against Citizens, Inc. (CIA) and Lead Plaintiff Deadline: May 15, 2017 finance.yahoo.com - April 28 at 5:15 PM
	SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action against Citizens, Inc. and Certain Officers – CIA finance.yahoo.com - April 28 at 5:15 PM