CIA Share Price | Citizens, Inc. (Austin, Texas) Stock Analysis & Recommendation

Q: What does Citizens, Inc. (Austin, Texas) do?

Overview:Citizens, Inc. is an insurance holding company operating in the insurance industry, categorized as a micro-cap company.Financial Snapshot:- Most recent Net Profit: -2 Million (Quarterly Results - Mar 2025)- Market-cap: USD 177.44 Million (Micro Cap)Key Metrics:- P/E: 23.00- Dividend Yield: 0.00%- Debt Equity: -999,999.00- Return on Equity: 4.01%- Price to Book: 0.81Contact Details:- Address: 14231 TANDEM BLVD, 2ND FLOOR, AUSTIN TX : 78728- Tel: 1 512 8377100- Fax: 1 512 8369785- Website: http://www.citizensinc.com/

Q: Who are in the management team of Citizens, Inc. (Austin, Texas)?

As of March 2022, the management team of Citizens, Inc. (Austin, Texas) includes the following individuals:- Mr. Jerry Davis, Independent Chairman of the Board- Mr. Gerald Shields, Interim Chief Executive Officer and President, Vice Chairman of the Board- Mr. Christopher Claus, Independent Director- Dr. E. Dean Gage, Independent Director- Gov. Francis Keating, Independent Director- Dr. Terry Maness, Independent Director- Dr. Robert Sloan, Independent DirectorThis team comprises a mix of independent directors and key executive leadership.

Q: Is Citizens, Inc. (Austin, Texas) technically bullish or bearish?

As of 12 September 2025, the technical trend for Citizens, Inc. has changed from mildly bullish to bullish. The MACD is bullish on both weekly and monthly time frames, and Bollinger Bands also indicate a bullish stance in the same periods. Moving averages are bullish on a daily basis. However, the RSI shows bearish signals on both weekly and monthly time frames, which suggests some weakness in momentum. Dow Theory indicates a mildly bullish trend on both weekly and monthly charts. The KST is bullish on both time frames, while the OBV is bullish monthly but shows no trend weekly.In terms of performance, Citizens, Inc. has outperformed the S&P 500 across multiple periods, with a year-to-date return of 39.40% compared to the S&P 500's 12.22%, and a one-year return of 82.68% against 17.14% for the benchmark. Overall, the current technical stance is bullish, but the bearish RSI indicates caution.

Q: Is Citizens, Inc. (Austin, Texas) overvalued or undervalued?

As of 10 October 2025, the valuation grade for Citizens, Inc. has moved from expensive to very expensive, indicating a significant increase in perceived overvaluation. The company is considered overvalued based on its P/E ratio of 23, which is notably higher than the peer average of 25.63 for Citizens, Inc. and the EV to EBITDA ratio of 129.70, which is substantially elevated compared to eHealth, Inc.'s 0.8994. Additionally, the Price to Book Value stands at 0.91, suggesting that the market is pricing the company's assets at a premium.In comparison to its peers, Citizens, Inc. is less attractive than eHealth, Inc., which has a much lower P/E ratio and a very attractive valuation grade. The company's ROE of 4.01% further emphasizes its underperformance relative to its peers. Although specific return data is not available, the lack of strong performance metrics suggests that Citizens, Inc. may not have outperformed the S&P 500, reinforcing the notion of its overvaluation.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

21.92 k

Shareholding (Sep 2025)

FII

3.00%

Held by 27 FIIs

DII

83.79%

Held by 15 DIIs

Promoter

0.00%

How big is Citizens, Inc. (Austin, Texas)?

22-Jun-2025

As of Jun 18, Citizens, Inc. (Austin, Texas) has a market capitalization of 177.44 million and reported net sales of 0.00 million, with a net profit of 8.75 million. The balance sheet shows shareholder's funds of 210.35 million and total assets of 1,678.38 million.

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What does Citizens, Inc. (Austin, Texas) do?

22-Jun-2025

Citizens, Inc. is a micro-cap insurance holding company based in Austin, Texas, with a recent net profit of -$2 million and a market cap of $177.44 million. Key metrics include a P/E ratio of 23.00 and a return on equity of 4.01%.

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Who are in the management team of Citizens, Inc. (Austin, Texas)?

22-Jun-2025

As of March 2022, the management team of Citizens, Inc. includes Mr. Jerry Davis (Independent Chairman), Mr. Gerald Shields (Interim CEO and Vice Chairman), and six independent directors: Mr. Christopher Claus, Dr. E. Dean Gage, Gov. Francis Keating, Dr. Terry Maness, and Dr. Robert Sloan.

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Is Citizens, Inc. (Austin, Texas) technically bullish or bearish?

20-Sep-2025

As of September 12, 2025, Citizens, Inc. shows a bullish technical trend with strong MACD and moving averages, but caution is advised due to bearish RSI signals, despite outperforming the S&P 500 significantly year-to-date and over the past year.

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Is Citizens, Inc. (Austin, Texas) overvalued or undervalued?

14-Oct-2025

As of October 10, 2025, Citizens, Inc. is considered very expensive and overvalued with a P/E ratio of 23, an EV to EBITDA ratio of 129.70, and a ROE of 4.01%, making it less attractive compared to peers like eHealth, Inc.

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Compare Citizens, Inc. (Austin, Texas) with Similar Stocks

eHealth, Inc.Clover Health Investments Corp.Abacus Life, Inc.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits

Flat results in Jun 25

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 277 Million (Micro Cap)

P/E

23.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

4.82%

Price to Book

1.23

Revenue and Profits:

Net Sales:

(Quarterly Results - Jun 2025)

Net Profit:

6 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

4.2%

6 Months

23.4%

1 Year

7.0%

2 Years

106.94%

3 Years

124.06%

4 Years

39.91%

5 Years

-1.65%

Citizens, Inc. (Austin, Texas) for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

0.05%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

26.75%

ROCE (avg)

ROE (avg)

8.52%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.91

EV to EBIT

EV to EBITDA

129.70

EV to Capital Employed

0.88

EV to Sales

0.62

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

4.01%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 17 Schemes (13.2%)

Foreign Institutions

Held by 27 Foreign Institutions (3.0%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "field": "Consolidate Net Profit",
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          "val2": "4.00",
          "chgp": "62.50%",
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        {
          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "53.20%",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY

Jun'25

Jun'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

0.30

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

6.50

4.00

62.50%

Operating Profit Margin (Excl OI)

106.20%

53.20%

5.30%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Jun 2024

Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 62.50% vs -34.43% in Jun 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

1.20

1.10

9.09%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

14.90

24.40

-38.93%

Operating Profit Margin (Excl OI)

61.10%

108.80%

-4.77%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is -38.93% vs -6.15% in Dec 2023

All Annual Results

Company CV

About Citizens, Inc. (Austin, Texas)

Citizens, Inc. (Austin, Texas)

Insurance

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.

Company Coordinates

Company Details

14231 TANDEM BLVD, 2ND FLOOR , AUSTIN TX : 78728

Tel: 1 512 8377100

http://www.citizensinc.com/

Registrar Details