Citizens, Inc. (CIA) is a Insurance - Life company in the Financial Services sector, currently trading at $5.50. It has a SharesGrow Score of 55/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of CIA = $-167.66 (-3148.3% from the current price, the stock appears overvalued). Analyst consensus target is CIA = $4 (-32.7% upside).
Valuation: CIA trades at a trailing Price-to-Earnings (P/E) of 18.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.93.
Financials: revenue is $256M, +3.2%/yr average growth. Net income is $15M, growing at +128.3%/yr. Net profit margin is 5.7% (thin). Gross margin is 35.4% (-64.6 pp trend).
Balance sheet: total debt is $8M against $235M equity (Debt-to-Equity (D/E) ratio 0.03, conservative). Current ratio is 1.46 (adequate). Debt-to-assets is 3.2%. Total assets: $246M.
SharesGrow 7-Criteria breakdown: Value 69/100 (Pass), Growth 73/100 (Pass), Past 75/100 (Partial), Health 83/100 (Pass), Moat 29/100 (Fail), Future 10/100 (Fail), Income 45/100 (Partial).
