US · CIA
Citizens, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Austin, TX 78758
- Website
- citizensinc.com
Price · as of 2024-12-31
$5.38
Market cap 272.61M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $31.79 | +490.89% |
| Intrinsic Value(DCF) | $2.20 | -59.11% |
| Graham-Dodd Method(GD) | $5.11 | -5.09% |
| Graham Formula(GF) | $2.63 | -51.06% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $7.21 | $22.85 | $1.04 | $0.00 | $2.63 |
| 2011 | $10.07 | $26.67 | $1.05 | $3.59 | $1.71 |
| 2012 | $9.37 | $28.23 | $0.00 | $5.37 | $1.12 |
| 2013 | $7.71 | $27.23 | $6.62 | $5.04 | $1.27 |
| 2014 | $6.45 | $28.26 | $6.39 | $4.22 | $0.00 |
| 2015 | $7.82 | $27.90 | $6.61 | $4.23 | $0.00 |
| 2016 | $7.54 | $27.06 | $8.27 | $4.88 | $0.47 |
| 2017 | $7.95 | $95.35 | $9.64 | $0.41 | $0.00 |
| 2018 | $6.80 | $33.98 | $3.45 | $2.39 | $0.00 |
| 2019 | $5.26 | $27.75 | $11.46 | $5.09 | $0.00 |
| 2020 | $6.98 | $25.84 | $24.62 | $4.98 | $0.00 |
| 2021 | $4.25 | $45.86 | $26.50 | $13.73 | $18.57 |
| 2022 | $3.30 | $27.15 | $19.01 | $5.13 | $0.65 |
| 2023 | $2.33 | $42.27 | $29.59 | $5.92 | $5.69 |
| 2024 | $4.37 | $31.79 | $0.75 | $5.11 | $2.63 |
AI valuation
Our deep-learning model estimates Citizens, Inc.'s (CIA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $31.79
- Current price
- $5.38
- AI upside
- +490.89%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$2.20
-59.11% upside
Graham-Dodd
$5.11
-5.09% upside
Graham Formula
$2.63
-51.06% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CIA | Citizens, Inc. | $5.38 | 272.61M | +491% | -59% | -5% | -51% | 16.35 | 1.16 | 1.00 | 14.26 | — | 191.40 | 49.68% | 6.11% | 6.09% | 7.80% | 8.69% | 0.89% | 0.04 | — | 3.32 | 5.43 | -1.38 | -3958.00% | 180.00% | 4461.00% | 12.82% | 3.62 | 18.22% | 0.00% | 0.00% | 0.16% | 14.84 | 7.11 | 0.91 | 0.34 |
| CZNC | Citizens & Northern Corpo… | $22.46 | 344.77M | +224% | -21% | +10% | -52% | 15.61 | 1.07 | 2.37 | 0.02 | — | 1.37 | 65.34% | 18.58% | 15.19% | 7.59% | 42.26% | 0.82% | 0.55 | 0.60 | — | — | 5.01 | -1361.00% | -82.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.02 | — | 0.00 | 0.18 |
| DXYZ | Destiny Tech100 Inc. | $28.42 | 309.21M | +694% | -55% | -49% | — | 20.18 | 5.02 | -27701.00 | 20.18 | — | 5.02 | -153868.98% | -137237.15% | -137237.15% | 28.41% | 29.58% | 27.91% | 0.00 | 90.58 | — | — | 0.00 | -52105.00% | -10352.00% | -10296.00% | 0.10% | — | 0.59% | 0.00% | 0.00% | 1.37% | 20.18 | 1012.05 | -27701.00 | 155.70 |
| ETHZ | Ethzilla Corp. | $3.53 | 56.39M | — | — | — | — | -0.18 | 0.12 | — | 0.53 | — | 0.66 | 0.00% | — | — | -135.21% | -320.01% | -68.45% | 0.02 | -124.90 | 1.47 | 1.32 | 0.70 | -7055.00% | — | -8644.00% | -137.07% | -0.42 | -78.51% | 741.71% | -129.90% | 1066.57% | 0.53 | 2.26 | — | -16.82 |
| FSBW | FS Bancorp, Inc. | $39.51 | 297.05M | +43% | -11% | +13% | +104% | 8.07 | 0.96 | 1.39 | 8.38 | — | 1.05 | 66.99% | 20.41% | 17.19% | 12.50% | 12.07% | 1.17% | 1.20 | 0.67 | 0.09 | 0.09 | 6.17 | -439.00% | 996.00% | -3528.00% | 17.41% | 0.02 | 16.95% | 2.92% | 23.60% | 3.95% | 10.50 | 8.88 | 2.14 | -0.55 |
| LPAA | Launch One Acquisition Co… | $10.73 | 308.49M | — | — | — | — | 38.57 | 0.88 | — | -492.54 | — | 0.88 | 0.00% | — | — | — | — | — | 0.00 | — | 9.67 | 8.05 | 2.13 | — | — | — | -0.24% | -4.33 | — | 0.00% | 0.00% | 0.00% | -492.54 | -417.14 | — | 10.68 |
| NODK | NI Holdings, Inc. | $13.28 | 273.64M | +164% | -12% | -23% | — | 47.22 | 1.27 | 0.96 | 11.05 | — | 1.27 | 14.29% | 3.12% | -1.86% | 2.68% | -47.03% | 1.16% | 0.00 | — | — | — | -4.70 | -19231.00% | 697.00% | 5008.00% | 12.04% | — | -267.32% | 0.00% | 0.00% | 0.05% | 11.79 | 3.19 | 0.37 | 1.88 |
| PLBC | Plumas Bancorp | $50.30 | 349.86M | -16% | +755% | -26% | — | 8.83 | 1.42 | 3.47 | -5.07 | — | 1.47 | 83.76% | 53.53% | 39.28% | 17.60% | -9.68% | 1.77% | 0.35 | 3.67 | 0.37 | 0.37 | -0.50 | -438.00% | -1417.00% | -1727.00% | 11.81% | 0.02 | -10.09% | 2.52% | 22.20% | 22.54% | -5.26 | -6.88 | -2.82 | -0.27 |
| WSBF | Waterstone Financial, Inc… | $17.81 | 328.72M | +578% | -43% | +52% | -23% | 12.20 | 0.92 | 1.60 | 13.16 | 26.22 | 0.92 | 71.24% | 16.59% | 13.10% | 7.67% | 4.97% | 1.18% | 1.18 | 0.56 | 11.12 | 1.68 | 10.43 | 4653.00% | 112.00% | -9642.00% | 0.52% | 0.01 | 0.32% | 0.00% | 0.00% | 19.36% | 13.16 | 261.43 | 2.18 | 1.36 |
About Citizens, Inc.
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.
- CEO
- Jon Scott Stenberg
- Employees
- 247
- Beta
- 0.42
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($2.20 ÷ $5.38) − 1 = -59.11% (DCF, example).