Citizens Financials
| CIA Stock | USD 6.00 0.02 0.33% |
Citizens Balance Sheet Chart
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Debt Equity Ratio | 0.0699 | 0.0426 |
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| Current Ratio | 3.62 | 3.82 |
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Investors should never underestimate Citizens' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to research Citizens' cash flow, debt, and profitability to make informed and accurate decisions about investing in Citizens.
Cash And Equivalents |
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Citizens | Select Account or Indicator | Build AI portfolio with Citizens Stock |
Understanding current and past Citizens Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Citizens' financial statements are interrelated, with each one affecting the others. For example, an increase in Citizens' assets may result in an increase in income on the income statement.
Please note, the presentation of Citizens' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citizens' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citizens' management manipulating its earnings.
Citizens Stock Summary
Citizens competes with NI Holdings, Destiny Tech100, Citizens Northern, Waterstone Financial, and FS Bancorp. Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas. Citizens operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 215 people.Specialization | Financial Services, Insurance - Life |
| Instrument | USA Stock View All |
| Exchange | New York Stock Exchange |
| ISIN | US1747401008 |
| Business Address | 11815 Alterra Parkway, |
| Sector | Insurance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.citizensinc.com |
| Phone | 512 837 7100 |
| Currency | USD - US Dollar |
Citizens Key Financial Ratios
| Return On Equity | 0.0502 | ||||
| Profit Margin | 0.04 % | ||||
| Operating Margin | 0.07 % | ||||
| Price To Sales | 1.22 X | ||||
| Revenue | 245 M |
Citizens Key Balance Sheet Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Total Assets | 1.9B | 1.6B | 1.7B | 1.7B | 1.9B | 2.0B | |
| Retained Earnings | (45.6M) | 16.3M | 42.2M | 57.1M | 51.4M | 53.9M | |
| Other Assets | 1.9B | 1.6B | 42.7M | 189.2M | 217.6M | 206.7M | |
| Total Liab | 1.5B | 1.5B | 1.5B | 1.5B | 1.7B | 1.8B | |
| Other Current Liab | (14.6M) | (9.9M) | (6.6M) | (1.4M) | (1.3M) | (1.4M) | |
| Net Debt | (27.3M) | (23.0M) | (27.0M) | (21.5M) | (19.3M) | (20.3M) | |
| Short Term Debt | 1.3M | 1.4M | 1.5M | 1.4M | 1.6M | 976.8K | |
| Intangible Assets | 151.0M | 150.4M | 185.8M | 209.1M | 240.4M | 252.5M | |
| Net Receivables | 17.0M | 17.0M | 4.3M | 18.7M | 21.5M | 22.5M | |
| Total Current Assets | 1.5B | 1.2B | 29.4M | 29.3M | 33.7M | 32.0M | |
| Other Current Assets | (1.5B) | (1.2B) | 66.6M | (18.7M) | (16.8M) | (16.0M) | |
| Accounts Payable | 14.6M | 9.9M | 6.6M | 8.8M | 10.1M | 6.5M | |
| Cash | 27.3M | 23.0M | 27.0M | 29.3M | 33.7M | 34.2M | |
| Common Stock | 268.7M | 271.3M | 271.9M | 273.0M | 313.9M | 227.9M | |
| Other Liab | 1.4B | 1.4B | 1.4B | 1.5B | 1.7B | 1.8B | |
| Inventory | (77.3M) | (95.8M) | (76.0M) | (29.4M) | (26.5M) | (27.8M) | |
| Net Tangible Assets | 259.8M | 300.9M | 320.6M | 1.0M | 938.7K | 891.8K | |
| Cash And Equivalents | 27.3M | 23.0M | 27.0M | 29.3M | 26.3M | 27.9M |
Citizens Key Income Statement Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Total Revenue | 250.5M | 232.5M | 240.7M | 245.0M | 281.8M | 150.8M | |
| Gross Profit | 128.1M | 114.8M | 240.7M | 121.7M | 140.0M | 147.0M | |
| Operating Income | 30.5M | 27.4M | 193.5M | 15.0M | 17.2M | 14.8M | |
| Ebit | 30.5M | 27.4M | 26.2M | 15.0M | 17.2M | 9.4M | |
| Ebitda | 31.6M | 27.9M | 27.3M | 15.6M | 17.9M | 12.2M | |
| Net Income | 72.7M | 26.0M | 24.4M | 14.9M | 17.1M | 18.0M | |
| Income Tax Expense | (42.2M) | 1.4M | 1.7M | 68K | 78.2K | 74.3K | |
| Cost Of Revenue | 191.9M | 122.4M | 117.7M | 123.3M | 141.8M | 112.4M | |
| Income Before Tax | 30.5M | 27.4M | 26.2M | 15.0M | 17.2M | 18.1M | |
| Tax Provision | (43.5M) | (429K) | 1.7M | 68K | 61.2K | 58.1K |
Citizens Key Cash Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Change In Cash | (6.8M) | (4.3M) | 4.0M | 2.3M | 2.0M | 2.1M | |
| Free Cash Flow | 39.4M | 56.8M | 21.6M | 31.3M | 35.9M | 40.8M | |
| Other Non Cash Items | (1.3M) | 17.1M | (8.7M) | (15.5M) | (17.9M) | (17.0M) | |
| Capital Expenditures | 1.0M | 100K | 442K | 663K | 762.5K | 1.2M | |
| Net Income | 72.7M | (6.6M) | 24.4M | 14.9M | 17.1M | 18.0M | |
| End Period Cash Flow | 27.3M | 23.0M | 27.0M | 29.3M | 33.7M | 29.9M | |
| Depreciation | 1.1M | 536K | 1.1M | 619K | 557.1K | 529.2K | |
| Change To Netincome | (3.7M) | (1.9M) | (10.6M) | 10.4M | 12.0M | 12.6M | |
| Investments | (47.5M) | (61.1M) | (14.5M) | (27.2M) | (31.2M) | (32.8M) | |
| Change Receivables | 1.7M | 606K | 715K | (1.0M) | (1.2M) | (1.3M) |
Citizens Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Citizens's current stock value. Our valuation model uses many indicators to compare Citizens value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citizens competition to find correlations between indicators driving Citizens's intrinsic value. More Info.Citizens is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citizens is roughly 10.46 . At present, Citizens' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Citizens' earnings, one of the primary drivers of an investment's value.Most indicators from Citizens' fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Citizens current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.The current year's Issuance Of Capital Stock is expected to grow to about 2.7 M, whereas Selling General Administrative is forecasted to decline to about 41.3 M.
| 2023 | 2024 | 2025 | 2026 (projected) | Gross Profit | 240.7M | 121.7M | 140.0M | 147.0M | Total Revenue | 240.7M | 245.0M | 281.8M | 150.8M |
Citizens fundamental ratios Correlations
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Citizens Account Relationship Matchups
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Citizens fundamental ratios Accounts
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Total Assets | 1.9B | 1.6B | 1.7B | 1.7B | 1.9B | 2.0B | |
| Retained Earnings | (45.6M) | 16.3M | 42.2M | 57.1M | 51.4M | 53.9M | |
| Other Assets | 1.9B | 1.6B | 42.7M | 189.2M | 217.6M | 206.7M | |
| Total Liab | 1.5B | 1.5B | 1.5B | 1.5B | 1.7B | 1.8B | |
| Other Current Liab | (14.6M) | (9.9M) | (6.6M) | (1.4M) | (1.3M) | (1.4M) | |
| Net Debt | (27.3M) | (23.0M) | (27.0M) | (21.5M) | (19.3M) | (20.3M) | |
| Short Term Debt | 1.3M | 1.4M | 1.5M | 1.4M | 1.6M | 976.8K | |
| Intangible Assets | 151.0M | 150.4M | 185.8M | 209.1M | 240.4M | 252.5M | |
| Net Receivables | 17.0M | 17.0M | 4.3M | 18.7M | 21.5M | 22.5M | |
| Total Current Assets | 1.5B | 1.2B | 29.4M | 29.3M | 33.7M | 32.0M | |
| Other Current Assets | (1.5B) | (1.2B) | 66.6M | (18.7M) | (16.8M) | (16.0M) | |
| Accounts Payable | 14.6M | 9.9M | 6.6M | 8.8M | 10.1M | 6.5M | |
| Cash | 27.3M | 23.0M | 27.0M | 29.3M | 33.7M | 34.2M | |
| Common Stock | 268.7M | 271.3M | 271.9M | 273.0M | 313.9M | 227.9M | |
| Other Liab | 1.4B | 1.4B | 1.4B | 1.5B | 1.7B | 1.8B | |
| Inventory | (77.3M) | (95.8M) | (76.0M) | (29.4M) | (26.5M) | (27.8M) | |
| Net Tangible Assets | 259.8M | 300.9M | 320.6M | 1.0M | 938.7K | 891.8K | |
| Cash And Equivalents | 27.3M | 23.0M | 27.0M | 29.3M | 26.3M | 27.9M |
About Citizens Financials
What exactly are Citizens Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Citizens' income statement, its balance sheet, and the statement of cash flows. Potential Citizens investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Citizens investors may use each financial statement separately, they are all related. The changes in Citizens's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Citizens's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Today, most investors in Citizens Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Citizens growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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Citizens February 16, 2026 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Citizens help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Citizens. We use our internally-developed statistical techniques to arrive at the intrinsic value of Citizens based on widely used predictive technical indicators. In general, we focus on analyzing Citizens Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Citizens's daily price indicators and compare them against related drivers.
| Downside Deviation | 4.33 | |||
| Information Ratio | (0.01) | |||
| Maximum Drawdown | 14.6 | |||
| Value At Risk | (6.53) | |||
| Potential Upside | 4.61 |
Complementary Tools for Citizens Stock analysis
When running Citizens' price analysis, check to measure Citizens' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens is operating at the current time. Most of Citizens' value examination focuses on studying past and present price action to predict the probability of Citizens' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens' price. Additionally, you may evaluate how the addition of Citizens to your portfolios can decrease your overall portfolio volatility.
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