NYSE · CIA

Citizens, Inc.

$4.84 -$0.08 (-1.63%) 1D Market open

Key Metrics

$244.68M
Market cap
13.24×
P/E · TTM
$259.68M
Revenue · TTM
$18.48M
Net income
EPS · TTM $0.37
Dividend yield
Free cash flow $16.25M
Beta · 1Y 1.19
EBITDA · TTM $22.38M
Gross margin

The Story So Far

LAST 6 MONTHS PRIMARY SOURCES ONLY
  • Jul 16
    Money rotated out of high-beta cohorts market-wide.

    High-beta names lagged the blue-chips by 18.6 points over ten sessions around this date. Stocks in that cohort weren't falling alone — they fell together.

    RECEIPT: ROTATION GAUGE, LIVE
  • Jun 3
    The stock moved -9.7% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Jun 3
  • Mar 24
    From its Feb 17 high, the share price fell 27%.

    Peak close $6.21 on Feb 17; trough close $4.53 on Mar 24. The drawdown is the fact — the chapters around it are the context.

    RECEIPT: PRICE SERIES, PEAK-TO-TROUGH -27%

The story updates itself as events post · The wolf reports; you decide

Snapshot

Market cap$244.68M
Enterprise value
Shares outstanding50.6M
52-wk range$3.76 – $6.54
Avg volume · 20D100.6K
Net cash
Book value / share$4.72
IndustryLife Insurance
ExchangeNYSE
About Citizens, Inc.
IPO dateDec 30, 1988
Employees246

Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries.

Wolf Grade COMING SOON

The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E13.24
P/S0.94
P/FCF15.06
EV/EBITDA
EV/Sales
Graham №$6.23

Profitability

Gross
Operating 8.3%
Net 7.1%
FCF 6.3%
ROE / ROIC 8.2% · 8.4%

Financial Health

Current ratio
Quick ratio
Debt / equity
Debt / EBITDA
Net cash
Working capital

Cash Flow · TTM

Operating CF $16.92M
Capex −$666.00K
Free cash flow $16.25M
Buybacks
Dividends paid
Shareholder yield

Piotroski F-Score

4 / 9
Middling fundamentals · 4 of 9 signals passing

Altman Z-Score

0.3
Distress zone (< 1.81) · elevated risk

Graham Number vs Price

$6.23 vs $4.84
Trades below classic defensive value — Graham-cheap
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings