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Citizens, Inc. CIA

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Price alert · CIA

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4.13 USD 0.00 (+0.00%)

At closeNov 9, 2026, 9:09 AM EST

4.15 +0.02 +0.49%

Pre-market · Nov 9, 9:09 AM ET

Day range unavailable

3.31 52-week range 6.54
YTD
-14.49%
1 year
-28.17%

Financial health

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 16.7×
FY 2016: 246×FY 2017: -9.5×FY 2018: -34.2×FY 2019: -245×FY 2020: -26.0×FY 2021: 3.6×FY 2022: 4.1×FY 2023: 5.5×FY 2024: 13.8×FY 2025: 16.7×
FY 2016 5y median 5.5× FY 2025
P/S 0.9×
FY 2016: 2.0×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/B 1.0×
FY 2016: 2.0×FY 2017: 1.6×FY 2018: 2.0×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 0.8× FY 2025
P/FCF 13.8×
FY 2016: 4.9×FY 2017: 4.0×FY 2018: 4.5×FY 2019: 4.7×FY 2020: 5.8×FY 2021: 6.7×FY 2022: 1.9×FY 2023: 6.2×FY 2024: 6.5×FY 2025: 13.8×
FY 2016 5y median 6.5× FY 2025
EV/EBITDA 12.1×
FY 2016: 54.0×FY 2017: -166×FY 2018: 95.9×FY 2019: 39.0×FY 2020: -22.9×FY 2021: 7.5×FY 2022: 3.0×FY 2023: 4.2×FY 2024: 11.6×FY 2025: 12.1×
FY 2016 5y median 7.5× FY 2025
EV/Sales 0.9×
FY 2016: 1.8×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.7× FY 2025
FCF Yield 7.2%
FY 2016: 20.6%FY 2017: 25.2%FY 2018: 22.3%FY 2019: 21.4%FY 2020: 17.2%FY 2021: 14.9%FY 2022: 53.2%FY 2023: 16.2%FY 2024: 15.4%FY 2025: 7.2%
FY 2016 5y median 15.4% FY 2025

Profitability

Gross Margin 35.4%
FY 2016: 19.5%FY 2017: 19.7%FY 2018: 22.9%FY 2019: 24.1%FY 2020: 19.6%FY 2021: 51.1%FY 2022: 49.4%FY 2023: 100.0%FY 2024: 49.7%FY 2025: 35.4%
FY 2016 5y median 49.7% FY 2025
Operating Margin 6.8%
FY 2016: 2.2%FY 2017: -1.2%FY 2018: 0.8%FY 2019: 2.3%FY 2020: -5.2%FY 2021: 12.2%FY 2022: 11.8%FY 2023: 80.4%FY 2024: 6.1%FY 2025: 6.8%
FY 2016 5y median 11.8% FY 2025
Net Margin 5.7%
FY 2016: 0.8%FY 2017: -15.1%FY 2018: -4.5%FY 2019: -0.5%FY 2020: -4.6%FY 2021: 29.0%FY 2022: 11.2%FY 2023: 10.2%FY 2024: 6.1%FY 2025: 5.7%
FY 2016 5y median 10.2% FY 2025
ROE 6.2%
FY 2016: 0.8%FY 2017: -17.1%FY 2018: -5.9%FY 2019: -0.5%FY 2020: -3.7%FY 2021: 22.7%FY 2022: 20.4%FY 2023: 14.2%FY 2024: 7.1%FY 2025: 6.2%
FY 2016 5y median 14.2% FY 2025
ROIC 0.9%
FY 2016: 20.6%FY 2017: -13.2%FY 2018: -0.4%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 11.2%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025
ROA 0.8%
FY 2016: 0.1%FY 2017: -2.3%FY 2018: -0.7%FY 2019: -0.1%FY 2020: -0.6%FY 2021: 3.9%FY 2022: 1.6%FY 2023: 1.5%FY 2024: 0.9%FY 2025: 0.8%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 4.3%
FY 2016: 3.9%FY 2017: 2.9%FY 2018: -3.4%FY 2019: 2.7%FY 2020: -4.7%FY 2021: 4.9%FY 2022: -7.2%FY 2023: 3.5%FY 2024: 1.8%FY 2025: 4.3%
FY 2016 FY 2025
Operating Income 16.6%
FY 2016: 382.2%FY 2017: -154.5%FY 2018: 167.0%FY 2019: 187.0%FY 2020: -314.4%FY 2021: 347.7%FY 2022: -10.3%FY 2023: 607.0%FY 2024: -92.3%FY 2025: 16.6%
FY 2016 FY 2025
EPS (diluted) 0.0%
FY 2016: 155.9%FY 2017: -2000.0%FY 2018: 71.1%FY 2019: 87.5%FY 2020: -697.1%FY 2021: 754.5%FY 2022: -64.6%FY 2023: -5.9%FY 2024: -39.6%FY 2025: 0.0%
FY 2016 FY 2025
Free Cash Flow -43.9%
FY 2016: 15.6%FY 2017: -8.4%FY 2018: -8.5%FY 2019: -14.5%FY 2020: -32.2%FY 2021: -18.9%FY 2022: 44.0%FY 2023: -62.0%FY 2024: 44.6%FY 2025: -43.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.9×
FY 2016: 1.9×FY 2017: 3.5×FY 2018: 171×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 2.9×FY 2024: 3.3×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
Quick Ratio 1.9×
FY 2016: 110×FY 2017: 137×FY 2018: 191×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 2.9×FY 2024: 3.3×FY 2025: 1.9×
FY 2016 5y median 1.9× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -1.2×
FY 2016: -4.3×FY 2017: 24.0×FY 2018: -13.2×FY 2019: -6.2×FY 2020: 3.1×FY 2021: -0.9×FY 2022: -0.8×FY 2023: -0.7×FY 2024: -1.4×FY 2025: -1.2×
FY 2016 5y median -0.9× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.1%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31