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1. Company Snapshot

1.a. Company Description

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally.It operates in two segments, Life Insurance and Home Service Insurance.The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants.


The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas.This segment provides its products and services through funeral homes and independent agents.The company also provides health insurance policies.


Citizens, Inc.was founded in 1969 and is headquartered in Austin, Texas.

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1.b. Last Insights on CIA

Citizens, Inc.'s recent performance was negatively impacted by a Q4 earnings miss, with quarterly earnings of $0.07 per share, missing the Zacks Consensus Estimate of $0.10 per share. This decline in earnings, coupled with a lackluster earnings estimate revisions trend, suggests that the company's financial performance may not be as strong as previously anticipated. Additionally, the company's total revenues of $245.0 million in the full year 2024, while slightly higher than the previous year, may not be enough to offset the decline in earnings.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Citizens, Inc. Announces Plans for Upcoming Investor Conferences

Dec -02

Source: newsfilecorp.com

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Citizens (CIA) Tops Q3 Earnings and Revenue Estimates

Nov -07

Source: zacks.com

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Citizens, Inc. Reports Third Quarter 2025 Financial Results

Nov -06

Source: newsfilecorp.com

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Champion Iron Limited (CIA:CA) Q2 2026 Earnings Call Transcript

Oct -30

Source: seekingalpha.com

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Citizens, Inc. Announces Plans for Upcoming Investor Conferences

Oct -16

Source: newsfilecorp.com

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Citizens, Inc. Provides Business Update Highlighting Its Growth and Operations Initiatives

Sep -26

Source: newsfilecorp.com

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Citizens (CIA) Moves 5.4% Higher: Will This Strength Last?

Sep -22

Source: zacks.com

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Citizens, Inc. Business Update Conference Call and Webcast on September 24, 2025

Sep -17

Source: newsfilecorp.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Life Insurance

Expected Growth: 4.5%

Growing demand for life insurance, increasing awareness of financial protection, and rising disposable income are driving the growth of the life insurance market, with whole, term, and universal life insurance options from Citizens, Inc. catering to diverse customer needs.

Home Service

Expected Growth: 4.5%

Growing demand for homeowners' insurance, increasing natural disaster frequency, and rising property values drive the market growth. Citizens, Inc.'s Home Service provides comprehensive coverage, positioning it for success in this expanding market.

Other Non-Insurance Enterprises

Expected Growth: 5.2%

The growth of Other Non-Insurance Enterprises from Citizens, Inc. is driven by increasing demand for real estate and technology services, coupled with strategic investments and partnerships. The diversification of revenue streams and expansion into new markets also contribute to the segment's growth.

7. Detailed Products

Final Expense Whole Life Insurance

A type of whole life insurance that provides a cash benefit to help cover funeral expenses, medical bills, and other final costs.

Term Life Insurance

A type of life insurance that provides coverage for a specified period (e.g., 10, 20, or 30 years).

Universal Life Insurance

A flexible premium policy that combines a death benefit with a savings component.

Accidental Death Insurance

A type of insurance that provides a benefit in the event of death due to an accident.

Home Service Insurance

A type of insurance that provides coverage for home repairs and maintenance.

Elder Care Services

A range of services designed to support seniors and their caregivers.

8. Citizens, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Citizens, Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers is high due to the ease of switching to alternative financial institutions and the high level of competition in the industry.

Bargaining Power Of Suppliers

The bargaining power of suppliers is low due to the company's large scale of operations and its ability to negotiate favorable terms with suppliers.

Threat Of New Entrants

The threat of new entrants is medium due to the presence of regulatory barriers and the need for significant capital investment to enter the market.

Intensity Of Rivalry

The intensity of rivalry is high due to the presence of many established players in the industry and the need for continuous innovation to stay competitive.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 0.86%
Debt Cost 3.95%
Equity Weight 99.14%
Equity Cost 4.85%
WACC 4.84%
Leverage 0.87%

11. Quality Control: Citizens, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Mid Penn Bancorp

A-Score: 5.8/10

Value: 6.4

Growth: 3.8

Quality: 6.8

Yield: 6.0

Momentum: 4.0

Volatility: 7.7

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Palomar Holdings

A-Score: 5.6/10

Value: 4.1

Growth: 9.4

Quality: 7.4

Yield: 0.0

Momentum: 7.5

Volatility: 5.0

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Atlantic American

A-Score: 5.1/10

Value: 7.7

Growth: 3.7

Quality: 5.2

Yield: 2.0

Momentum: 10.0

Volatility: 2.3

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Sandy Spring Bancorp

A-Score: 4.7/10

Value: 5.3

Growth: 3.3

Quality: 5.2

Yield: 6.0

Momentum: 3.0

Volatility: 5.7

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Citizens

A-Score: 3.9/10

Value: 4.0

Growth: 4.1

Quality: 5.9

Yield: 0.0

Momentum: 6.5

Volatility: 2.7

1-Year Total Return ->

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Vericity

A-Score: 3.6/10

Value: 6.7

Growth: 4.2

Quality: 4.8

Yield: 0.0

Momentum: 5.0

Volatility: 0.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

5.05$

Current Price

5.05$

Potential

-0.00%

Expected Cash-Flows