Citizens, Inc. (CIA)

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Citizens, Inc. (CIA) is up 13.7% since the beginning of the year. At $5 per share, CIA is trading 14.3% below its 52-week high of $6. Investors who bought $1,000 worth of CIA shares 5 years ago would now be looking at an investment worth $1,092.

Citizens, Inc. (CIA) has returned 13.66% so far this year and 52.92% over the past 12 months. Over the last ten years, CIA has returned -3.44% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.

Based on dividend-adjusted daily data since Dec 5, 1988, CIA's average daily return is +0.08%, while the average monthly return is +0.95%. At this rate, an investment would double in approximately 6.1 years.

Historically, 49% of months were positive and 51% were negative. The best month was Apr 1999 with a return of +86.4%, while the worst month was Apr 2023 at -49.6%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 6 months.

On a daily basis, CIA closed higher 45% of trading days. The best single day was Dec 6, 1988 with a return of +42.9%, while the worst single day was Mar 31, 1999 at -33.3%.

Citizens, Inc. has an annualized alpha of 9.63%, beta of 0.97, and R2 of 0.08 versus S&P 500 Index. Calculated based on daily prices since December 06, 1988.

• This stock participated in 74.10% of S&P 500 Index downside but only 46.19% of its upside - more exposed to losses than it benefited from rallies.
• R2 of 0.08 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

CIA ranks 69 for risk / return — better than 69% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

The table below present risk-adjusted performance metrics for Citizens, Inc. (CIA) and compare them to S&P 500 Index.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Citizens, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Citizens, Inc. was 87.35%, occurring on May 9, 2023. The portfolio has not yet recovered.

The current Citizens, Inc. drawdown is 58.90%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of Citizens, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how Citizens, Inc. is priced in the market compared to other companies in the Insurance - Life industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.