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: $377.92 million
- Outstanding Shares: 50,081,000
Average Prices:- 50 Day Moving Avg: $7.75
- 200 Day Moving Avg: $7.39
- 52 Week Range: $5.86 - $11.93
P/E:- Trailing P/E Ratio: 69.64
- P/E Growth: 0.00
Sales & Book Value:- Annual Revenue: $250.08 million
- Price / Sales: 1.53
- 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: 96,941 shs.
- Beta: 1.11
- 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 earnings per share (EPS) for the quarter. The company 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 First Bancorp (FBNC), TrustCo Bank Corp NY (TRST), New Senior Investment Group (SNR), Investors Real Estate Trust (IRET), Oritani Financial Corp. (ORIT), Community Trust Bancorp (CTBI), Guaranty Bancorp (GBNK), PHH Corp (PHH), German American Bancorp (GABC), Republic Bancorp (RBCAA), Forestar Group (FOR), Pennsylvania Real Estate Investment Trust (PEI), Preferred Bank (PFBC), Stonegate Bank (SGBK), ConnectOne Bancorp (CNOB), Federal Agricultural Mortgage Corporation (AGM), CoBiz Financial (COBZ) 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 investors 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. Company insiders that have sold Citizens stock in the last year include Cheri D Duncan and Harold E Riley. 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 $7.66.
MarketBeat Community Rating for Citizens (NYSE CIA)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?) MarketBeat calculates consensus ratings using the most recent rating from each brokerage that has rated a stock within the last twelve months. Since brokers often use different ratings systems, each rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings. Each stock's consensus rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months.
MarketBeat will no longer include ratings and price target data in its consensus calculation if a broker drops coverage and MarketBeat has received a report that coverage was dropped. Ratings from certain research firms that issue ratings using purely quantitative methods (such as Zacks, Vetr and ValuEngine) are not included in consensus calculations. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
| 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 History by Quarter for Citizens (NYSE CIA)| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 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)No earnings estimates for this company have been tracked by MarketBeat.com
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: 20.13%
Insider Trades by Quarter for Citizens (NYSE:CIA)| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Details |
|---|
| 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 |
|---|
 | 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 |
| IMPORTANT SHAREHOLDER ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm
finance.yahoo.com - April 27 at 9:45 PM |
 | Scott+Scott, Attorneys at Law, LLP Reminds...
www.benzinga.com - April 27 at 4:44 PM |
| The Klein Law Firm Reminds Investors of a Class Action Filed on Behalf of Citizens, Inc. Shareholders …
finance.yahoo.com - April 27 at 4:44 PM |
| The Klein Law Firm Reminds Investors of a Class Action Filed on Behalf of Citizens, Inc. Shareholders and a Lead Plaintiff Deadline of May 15, 2017
finance.yahoo.com - April 27 at 4:44 PM |
| Somewhat Favorable Media Coverage Very Unlikely to Affect Citizens (CIA) Share Price
www.americanbankingnews.com - April 26 at 10:24 PM |
| IMPORTANT INVESTOR ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm
finance.yahoo.com - April 26 at 4:19 PM |
| Scott+Scott, Attorneys at Law, LLP Reminds Investors of Upcoming Deadline to File Lead Plaintiff Papers in Class Action Lawsuit Against Citizens, Inc. (CIA)
finance.yahoo.com - April 26 at 4:19 PM |
| INVESTOR 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 26 at 4:19 PM |
| IMPORTANT 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 24 at 4:12 PM |
Citizens (CIA) Chart for Tuesday, August, 22, 2017
