- ISIN
- US1747401008
- CUSIP
- 174740100
- Sector
- Financial Services
- Industry
- Insurance - Life
- IPO Date
- Dec 5, 1988
Highlights
- Market Cap
- $239.12M
- Enterprise Value
- $239.12M
- EPS (TTM)
- $0.54
- PE Ratio
- 8.70
- PEG Ratio
- 0.03
- Total Revenue (TTM)
- $259.68M
- Gross Profit (TTM)
- $72.51M
- EBITDA (TTM)
- $19.74M
- Year Range
- $3.90 - $6.54
- Target Price
- $3.70
- ROE (TTM)
- 7.74%
- Avg. Volume (1M)
- 100K
- Avg. Volume Value (1M)
- $529.41K
Share Price Chart
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Performance
CIA Performance Chart
Citizens, Inc. (CIA) is down 2.1% since the beginning of the year. At $5 per share, CIA is trading 27.7% below its 52-week high of $7. Investors who bought $1,000 worth of CIA shares 5 years ago would now be looking at an investment worth $882.
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Returns By Period
Citizens, Inc. (CIA) has returned -2.07% so far this year and 20.97% over the past 12 months. Over the last ten years, CIA has returned -5.89% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% annually.
Citizens, Inc.
- 1D
- -2.67%
- 1M
- -20.37%
- 6M
- -14.77%
- YTD
- -2.07%
- 1Y
- 20.97%
- 3Y*
- 22.87%
- 5Y*
- -2.47%
- 10Y*
- -5.89%
- ALL TIME*
- 1.18%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
CIA Monthly Returns History
Based on dividend-adjusted daily data since Dec 5, 1988, CIA's average daily return is +0.08%, while the average monthly return is +0.92%. At this rate, an investment would double in approximately 6.3 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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 14.91% | -2.34% | -7.20% | 7.36% | -3.89% | 10.60% | -17.60% | -2.07% | |||||
| 2025 | 22.94% | -2.43% | -5.41% | -11.43% | -8.68% | -5.16% | 9.46% | 38.48% | -0.76% | 6.10% | 7.00% | -18.96% | 20.45% |
| 2024 | 4.09% | 0.36% | -23.84% | 4.21% | 27.80% | -4.56% | -4.78% | 11.20% | 25.69% | 30.66% | -5.29% | -10.49% | 49.07% |
| 2023 | 12.68% | 22.92% | 25.76% | -49.60% | 12.30% | 14.76% | 6.64% | 17.51% | -5.63% | 4.91% | 10.37% | -18.48% | 26.29% |
| 2022 | -10.55% | -10.53% | -0.24% | -29.48% | 11.04% | 26.20% | -7.64% | -2.07% | -11.87% | -19.46% | 1.86% | -22.26% | -59.89% |
| 2021 | 5.58% | 0.33% | -4.61% | 0.86% | -10.62% | 1.34% | 1.32% | 11.38% | 4.02% | 3.70% | -11.96% | -6.35% | -7.33% |
Benchmark Metrics
Citizens, Inc. has an annualized alpha of 9.24%, beta of 0.97, and R2 of 0.08 versus S&P 500 Index. Calculated based on daily prices since December 05, 1988.
- This stock participated in 75.35% of S&P 500 Index downside but only 45.52% 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.
- Alpha
- 9.24%
- Beta
- 0.97
- R²
- 0.08
- Upside Capture
- 45.52%
- Downside Capture
- 75.35%
Return for Risk
Risk / Return Rank
CIA ranks 60 for risk / return — above 60% of stocks peers on PortfoliosLab. Its historical combined result is above most peers.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Citizens, Inc. (CIA) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CIA | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.95 | ||
| Sortino ratioReturn per unit of downside risk | -1.05 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.25 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | 0.88 | 2.00 | -1.12 |
| Martin ratioReturn relative to average drawdown | 1.87 | 8.49 | -6.62 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
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.
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Worst Drawdowns
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 64.59%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-87.35%May 2023 | 27y 9mo | — | 31y 8dAug 1995 - now | — |
-54.55%Feb 1989 | 1mo 26d | 10mo | 11mo 26dDec 1988 - Dec 1989 | — |
-52.17%Aug 1990 | 7mo 9d | 1y 4mo | 1y 12moJan 1990 - Jan 1992 | — |
-50.00%Dec 1992 | 7mo 12d | 2y 6mo | 3y 1moMay 1992 - Jul 1995 | — |
-18.18%Dec 1988 | 1d | 7d | 7dDec 1988 - Dec 1988 | — |
Drawdown Indicators
| CIA | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -87.35% | -56.78% | -30.57% |
Max Drawdown (1Y)Largest decline over 1 year | -27.05% | -9.10% | -17.95% |
Max Drawdown (3Y)Largest decline over 3 years | -47.54% | -18.90% | -28.64% |
Max Drawdown (5Y)Largest decline over 5 years | -75.40% | -25.43% | -49.97% |
Max Drawdown (10Y)Largest decline over 10 years | -85.54% | -33.92% | -51.62% |
Current DrawdownCurrent decline from peak | -64.59% | -1.58% | -63.01% |
Average DrawdownAverage peak-to-trough decline | -46.51% | -10.70% | -35.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.76% | 2.14% | +10.62% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
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.
Valuation
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.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CIA, comparing it with other companies in the Insurance - Life industry. Currently, CIA has a P/E ratio of 8.7. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CIA compared to other companies in the Insurance - Life industry. CIA currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CIA relative to other companies in the Insurance - Life industry. Currently, CIA has a P/S ratio of 0.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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