Citizens Financials

CIA Stock  USD 6.00  0.02  0.33%   
Based on the key indicators related to Citizens' liquidity, profitability, solvency, and operating efficiency, Citizens is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in March. At present, Citizens' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 53.9 M, whereas Total Stockholder Equity is forecasted to decline to about 155.1 M.
 
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Citizens Balance Sheet Chart

At present, Citizens' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 53.9 M, whereas Total Stockholder Equity is forecasted to decline to about 155.1 M.
Key indicators impacting Citizens' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.06990.0426
Way Up
Slightly volatile
Current Ratio3.623.82
Notably Down
Very volatile
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

27.91 Million

  
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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
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS1747401008
Business Address11815 Alterra Parkway,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.citizensinc.com
Phone512 837 7100
CurrencyUSD - US Dollar

Citizens Key Financial Ratios

Citizens Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets1.9B1.6B1.7B1.7B1.9B2.0B
Retained Earnings(45.6M)16.3M42.2M57.1M51.4M53.9M
Other Assets1.9B1.6B42.7M189.2M217.6M206.7M
Total Liab1.5B1.5B1.5B1.5B1.7B1.8B
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 Debt1.3M1.4M1.5M1.4M1.6M976.8K
Intangible Assets151.0M150.4M185.8M209.1M240.4M252.5M
Net Receivables17.0M17.0M4.3M18.7M21.5M22.5M
Total Current Assets1.5B1.2B29.4M29.3M33.7M32.0M
Other Current Assets(1.5B)(1.2B)66.6M(18.7M)(16.8M)(16.0M)
Accounts Payable14.6M9.9M6.6M8.8M10.1M6.5M
Cash27.3M23.0M27.0M29.3M33.7M34.2M
Common Stock268.7M271.3M271.9M273.0M313.9M227.9M
Other Liab1.4B1.4B1.4B1.5B1.7B1.8B
Inventory(77.3M)(95.8M)(76.0M)(29.4M)(26.5M)(27.8M)
Net Tangible Assets259.8M300.9M320.6M1.0M938.7K891.8K
Cash And Equivalents27.3M23.0M27.0M29.3M26.3M27.9M

Citizens Key Income Statement Accounts

202120222023202420252026 (projected)
Total Revenue250.5M232.5M240.7M245.0M281.8M150.8M
Gross Profit128.1M114.8M240.7M121.7M140.0M147.0M
Operating Income30.5M27.4M193.5M15.0M17.2M14.8M
Ebit30.5M27.4M26.2M15.0M17.2M9.4M
Ebitda31.6M27.9M27.3M15.6M17.9M12.2M
Net Income72.7M26.0M24.4M14.9M17.1M18.0M
Income Tax Expense(42.2M)1.4M1.7M68K78.2K74.3K
Cost Of Revenue191.9M122.4M117.7M123.3M141.8M112.4M
Income Before Tax30.5M27.4M26.2M15.0M17.2M18.1M
Tax Provision(43.5M)(429K)1.7M68K61.2K58.1K

Citizens Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(6.8M)(4.3M)4.0M2.3M2.0M2.1M
Free Cash Flow39.4M56.8M21.6M31.3M35.9M40.8M
Other Non Cash Items(1.3M)17.1M(8.7M)(15.5M)(17.9M)(17.0M)
Capital Expenditures1.0M100K442K663K762.5K1.2M
Net Income72.7M(6.6M)24.4M14.9M17.1M18.0M
End Period Cash Flow27.3M23.0M27.0M29.3M33.7M29.9M
Depreciation1.1M536K1.1M619K557.1K529.2K
Change To Netincome(3.7M)(1.9M)(10.6M)10.4M12.0M12.6M
Investments(47.5M)(61.1M)(14.5M)(27.2M)(31.2M)(32.8M)
Change Receivables1.7M606K715K(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 Profit240.7M121.7M140.0M147.0M
Total Revenue240.7M245.0M281.8M150.8M

Citizens fundamental ratios Correlations

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0.57-0.410.390.740.110.460.11-0.350.69-0.54-0.42-0.170.010.240.230.240.44-0.380.140.880.530.46-0.340.760.45
0.03-0.41-0.39-0.01-0.070.080.280.6-0.220.460.790.410.540.320.12-0.6-0.050.430.52-0.31-0.31-0.820.85-0.04-0.82
0.320.39-0.390.17-0.130.290.32-0.350.470.0-0.670.220.13-0.150.010.460.51-0.670.170.49-0.090.61-0.210.210.62
0.770.74-0.010.17-0.020.730.27-0.180.66-0.43-0.050.020.280.440.340.140.47-0.160.40.740.460.250.190.990.25
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0.990.460.080.290.73-0.350.55-0.140.6-0.090.170.380.680.660.450.340.58-0.250.710.510.170.290.470.750.29
0.510.110.280.320.27-0.270.550.40.540.470.220.870.740.640.430.420.87-0.470.890.41-0.450.080.550.290.1
-0.17-0.350.6-0.35-0.180.13-0.140.4-0.20.580.510.540.480.460.48-0.050.130.010.45-0.17-0.51-0.530.53-0.2-0.52
0.640.69-0.220.470.66-0.510.60.54-0.2-0.33-0.270.230.270.360.120.410.71-0.510.430.80.30.57-0.030.680.57
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0.11-0.420.79-0.67-0.05-0.140.170.220.51-0.270.350.40.540.490.18-0.45-0.160.570.43-0.45-0.18-0.770.76-0.08-0.77
0.32-0.170.410.220.02-0.310.380.870.540.230.660.40.840.610.40.340.57-0.390.770.03-0.61-0.120.660.02-0.1
0.640.010.540.130.28-0.350.680.740.480.270.460.540.840.810.550.190.46-0.250.870.11-0.32-0.20.810.28-0.18
0.650.240.32-0.150.44-0.190.660.640.460.360.10.490.610.810.640.310.48-0.310.750.310.02-0.070.590.45-0.06
0.460.230.120.010.340.180.450.430.480.120.250.180.40.550.640.380.37-0.210.570.37-0.160.010.380.340.03
0.340.24-0.60.460.14-0.170.340.42-0.050.410.04-0.450.340.190.310.380.52-0.780.180.4-0.140.8-0.210.180.81
0.590.44-0.050.510.47-0.10.580.870.130.710.15-0.160.570.460.480.370.52-0.580.740.7-0.20.360.240.510.38
-0.28-0.380.43-0.67-0.160.16-0.25-0.470.01-0.51-0.030.57-0.39-0.25-0.31-0.21-0.78-0.58-0.24-0.520.11-0.670.18-0.2-0.68
0.680.140.520.170.4-0.220.710.890.450.430.430.430.770.870.750.570.180.74-0.240.37-0.33-0.150.760.41-0.13
0.590.88-0.310.490.740.040.510.41-0.170.8-0.37-0.450.030.110.310.370.40.7-0.520.370.340.53-0.180.760.53
0.230.53-0.31-0.090.46-0.070.17-0.45-0.510.3-0.97-0.18-0.61-0.320.02-0.16-0.14-0.20.11-0.330.340.27-0.340.460.24
0.320.46-0.820.610.25-0.280.290.08-0.530.57-0.4-0.77-0.12-0.2-0.070.010.80.36-0.67-0.150.530.27-0.540.291.0
0.39-0.340.85-0.210.19-0.230.470.550.53-0.030.490.760.660.810.590.38-0.210.240.180.76-0.18-0.34-0.540.17-0.53
0.790.76-0.040.210.99-0.020.750.29-0.20.68-0.45-0.080.020.280.450.340.180.51-0.20.410.760.460.290.170.29
0.320.45-0.820.620.25-0.280.290.1-0.520.57-0.37-0.77-0.1-0.18-0.060.030.810.38-0.68-0.130.530.241.0-0.530.29
Click cells to compare fundamentals

Citizens Account Relationship Matchups

Citizens fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets1.9B1.6B1.7B1.7B1.9B2.0B
Retained Earnings(45.6M)16.3M42.2M57.1M51.4M53.9M
Other Assets1.9B1.6B42.7M189.2M217.6M206.7M
Total Liab1.5B1.5B1.5B1.5B1.7B1.8B
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 Debt1.3M1.4M1.5M1.4M1.6M976.8K
Intangible Assets151.0M150.4M185.8M209.1M240.4M252.5M
Net Receivables17.0M17.0M4.3M18.7M21.5M22.5M
Total Current Assets1.5B1.2B29.4M29.3M33.7M32.0M
Other Current Assets(1.5B)(1.2B)66.6M(18.7M)(16.8M)(16.0M)
Accounts Payable14.6M9.9M6.6M8.8M10.1M6.5M
Cash27.3M23.0M27.0M29.3M33.7M34.2M
Common Stock268.7M271.3M271.9M273.0M313.9M227.9M
Other Liab1.4B1.4B1.4B1.5B1.7B1.8B
Inventory(77.3M)(95.8M)(76.0M)(29.4M)(26.5M)(27.8M)
Net Tangible Assets259.8M300.9M320.6M1.0M938.7K891.8K
Cash And Equivalents27.3M23.0M27.0M29.3M26.3M27.9M

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

(0.37)

At present, Citizens' Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

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.

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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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