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Citizens, Inc. (Austin, Texas)

  • Market Cap: Micro Cap
  • Industry: Insurance
  • ISIN: US1747401008
USD
5.34
0.04 (0.75%)

Dec 04

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

5.235.44

52 Week

2.906.25
Valuation
Technical
Day's Volume

CASH

46.83 k

Shareholding (Mar 2025)

FII

2.35%

Held by 22 FIIs

DII

89.55%

Held by 9 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.

As of Jun 18, Citizens, Inc. (Austin, Texas) has a market capitalization of 177.44 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported net sales of 0.00 million for the latest four quarters and a net profit of 8.75 million.<BR><BR>As of Dec 24, 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%.

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

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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.

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

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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.

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.<BR><BR>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.

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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.

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.<BR><BR>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.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

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

 
2

Flat results in Jun 25

3

With ROE of 4.01%, it has a very expensive valuation with a 0.91 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Insurance

stock-summary
Market cap

USD 288 Million (Micro Cap)

stock-summary
P/E

23.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

4.91%

stock-summary
Price to Book

1.26

Revenue and Profits:
Net Sales:
(Quarterly Results - Jun 2025)
Net Profit:
6 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
2.1%
0%
2.1%
6 Months
48.33%
0%
48.33%
1 Year
20.27%
0%
20.27%
2 Years
45.9%
0%
45.9%
3 Years
95.6%
0%
95.6%
4 Years
-7.13%
0%
-7.13%
5 Years
-15.64%
0%
-15.64%

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

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Citizens, Inc. Hits New 52-Week High of $6.25, Up 90.4%

Citizens, Inc. Hits New 52-Week High of $6.25, Up 90.4%

Citizens, Inc. has achieved a new 52-week high of USD 6.25, reflecting a 90.4% increase over the past year. The microcap insurance company, with a market capitalization of USD 288 million, has a P/E ratio of 23.00 and a price-to-book ratio of 1.26, indicating moderate valuation metrics.

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Citizens, Inc. Experiences Revision in Its Stock Evaluation Amid Market Dynamics

Citizens, Inc. Experiences Revision in Its Stock Evaluation Amid Market Dynamics

Citizens, Inc., an Austin-based microcap insurance company, has adjusted its valuation amid changing financial metrics. With a current price of $5.55, the company shows a P/E ratio of 23 and a high EV to EBITDA ratio of 129.70, reflecting its competitive market position and performance dynamics.

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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 deterioration in its valuation appeal. The company is overvalued, with a P/E ratio of 23, which is notably higher than its peer Abacus Life, Inc. at 25.63 and significantly higher than eHealth, Inc. at just 4.03. Additionally, the EV to EBITDA ratio stands at an alarming 129.70, further emphasizing the overvaluation, especially when compared to eHealth's much lower ratio of 0.90. In terms of recent performance, Citizens, Inc. has shown a year-to-date return of 32.67%, outperforming the S&P 500's return of 11.41% during the same period. However, over the longer term, the company's 5-year return of -9.22% starkly contrasts with the S&P 500's 88.45%, highlighting concerns about its sustainability and growth potential. Overall, the combination of high valuation ratios and inconsist...

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Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
0.05%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
22.27%
ROCE (avg)
0
ROE (avg)
8.52%
Valuation key factors
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
0.91
EV to EBIT
NA
EV to EBITDA
129.70
EV to Capital Employed
0.88
EV to Sales
0.62
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
4.01%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 11 Schemes (8.1%)

Foreign Institutions

Held by 22 Foreign Institutions (2.35%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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        "suffix": "YoY Growth in quarter ended Jun 2025 is 62.50% vs -34.43% in Jun 2024",
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          "val2": "0.00",
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          "val2": "0.00",
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          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "6.50",
          "val2": "4.00",
          "chgp": "62.50%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "53.20%",
          "chgp": "5.30%",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
0.30
0.30
Interest
0.00
0.00
Exceptional Items
0.00
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.
stock-summary Compare with Peers
Net Sales

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

Direction Arrows
Consolidated Net Profit

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

All Quarterly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
0.00
0.00
Operating Profit (PBDIT) excl Other Income
1.20
1.10
9.09%
Interest
0.00
0.00
Exceptional Items
0.00
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.
stock-summary Compare with Peers
Net Sales

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

Direction Arrows
Consolidated Net Profit

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

All Annual Resultsstock-summary
stock-summaryCompany CV
About Citizens, Inc. (Austin, Texas) stock-summary
stock-summary
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 stock-summary
Company Details
14231 TANDEM BLVD, 2ND FLOOR , AUSTIN TX : 78728
stock-summary
Tel: 1 512 8377100
stock-summary
http://www.citizensinc.com/
stock-summary
Registrar Details
Stock List
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