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Citizens Inc (NYSE:CIA)
3.65 USD
-0.520 12.470%Sponsored Reports
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| Previous Close (in USD) | 4.17 |
|---|---|
| Change | -0.520 12.470% |
| 52 W H/L (in USD) | 4.000/1.640 |
| EBITDA (in USD) | -5.13M |
| PE Ratio | -- |
| Volume | 104207 |
| Diluted Eps TTM | -0.10 |
| Total Assets (in USD) | 1569.97M |
|---|---|
| Total Liabilities (in USD) | 1568.927M |
| Revenue TTM (in USD) | 241.088M |
| Cash (in USD) | 22.973M |
| Market Cap (in USD) | 141.225 M |
| Revenue Per Share TTM | 4.842 |
| Gross Profit TTM (in USD) | 39.084M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Citizens Inc
Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company 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 accident and health insurance policies. The company was founded in 1969 and is headquartered in Austin, Texas.
Employees: 224
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Gerald W. Shields | Exec. Vice-Chairman, CEO & Pres | 1958 |
| 2. | Mr. Jeffery Paul Conklin | VP, CFO, Chief Investment Officer & Treasurer | 1970 |
| 3. | Ms. Sheryl L. Kinlaw | VP, Chief Legal Officer & Sec. | NA |
| 4. | Mr. Robert McHardy Mauldin III | VP & Chief Marketing Officer | 1961 |
| 5. | Mr. Harvey J. L. Waite | VP & Chief Actuary | 1960 |
| 6. | Mr. W. Scott Buchholtz | VP of HR | 1972 |
| 7. | Mr. Sidney Louis Harp II | Exec. VP & Director of Agency | 1950 |
| 8. | Mr. Larry E. Carson | VP of Financial Reporting & Tax | 1954 |
| 9. | Mr. David Scott Jorgensen CPA | Gen. Mang. for International Operations of CICA Life Insurance Company of America | 1964 |
| 10. | Ms. Charlotte D. Duncan | Assistant Sec. | 1949 |
Peers
Sector: Financial Services
Industry: Insurance - Life
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
CILJF
China Life Insurance Co Ltd |
-0.130 6.500% | 1.95 | 4.840 | 7.800 | 0.175 | 0.752 | 1.028 | 0.000 |
|
AAGIY
AIA Group Ltd ADR |
-2.100 6.858% | 29.98 | 95.110 | 13.831 | 1.780 | 2.295 | 1.871 | 0.000 |
|
PIAIF
Ping An Insurance |
0.000 0.000% | 6.1 | 6.870 | 3.606 | 0.073 | 0.597 | 0.171 | 0.000 |
|
PNGAY
Ping An Insurance Company of China |
-1.020 8.458% | 11.6 | 6.930 | 3.568 | 0.075 | 0.591 | 0.171 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | -7.067M | -6.688M | -12.317M | 5.745M | 2.002M |
| Minority Interest | - | - | - | - | - |
| Net Income | -7.496M | -50.163M | -10.988M | -1.37M | -11.062M |
| Selling General Administrative | 45.177M | 43.37M | 53.669M | 48.44M | 47.632M |
| Gross Profit | 232.524M | 250.546M | 238.856M | 250.545M | 244.006M |
| Reconciled Depreciation | 0.536M | 1.14M | 1.423M | 1.677M | 3.909M |
| Ebit | -7.067M | 4.444M | -75.844M | 4.327M | 2.002M |
| Ebitda | -6.531M | 5.584M | -74.421M | 6.004M | 5.911M |
| Depreciation And Amortization | 0.536M | 1.14M | 1.423M | 1.677M | 3.909M |
| Operating Income | -7.067M | 4.444M | -75.844M | 4.327M | 2.002M |
| Other Operating Expenses | 239.828M | 257.048M | 251.173M | 244.8M | 242.004M |
| Interest Expense | -0.858M | 0M | 0M | 0M | 0M |
| Tax Provision | -0.429M | -43.475M | -1.329M | 7.115M | 13.064M |
| Interest Income | - | - | - | - | - |
| Net Interest Income | - | - | - | - | - |
| Income Tax Expense | 0.429M | 43.475M | -1.329M | 7.115M | 13.064M |
| Total Revenue | 232.524M | 250.546M | 238.856M | 250.545M | 244.006M |
| Total Operating Expenses | -239.591M | -246.102M | -314.7M | -246.218M | -242.004M |
| Cost Of Revenue | - | 1.206M | 1.816M | 194.814M | 191.914M |
| Total Other Income Expense Net | 58.81M | -11.132M | 63.527M | 1.418M | 1.833M |
| Net Income From Continuing Ops | -6.638M | 36.787M | -10.988M | -1.37M | -11.062M |
| Net Income Applicable To Common Shares | -6.638M | 36.787M | -10.988M | -1.37M | -11.062M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Total Assets | 1569.97M | 1854.511M | 1843.42M | 1744.936M | 1615.561M |
| Intangible Assets | 10.26M | 11.552M | 25.111M | 27.03M | 16.181M |
| Other Current Assets | 21.691M | -1160.925M | -1238.523M | -1111.653M | -1255.893M |
| Total Liab | 1568.927M | 1533.94M | 1542.475M | 1485.1M | 1427.828M |
| Total Stockholder Equity | 1.043M | 320.571M | 300.945M | 259.836M | 187.733M |
| Other Current Liab | -9.884M | -14.59M | -13.206M | -8.059M | -7.614M |
| Common Stock | 271.331M | 268.745M | 266.053M | 264.699M | 262.977M |
| Capital Stock | 271.331M | 268.745M | 266.053M | 264.699M | 262.977M |
| Retained Earnings | -52.203M | -45.565M | -82.352M | -70.969M | -69.599M |
| Good Will | - | 12.624M | 13.57M | 13.575M | 12.624M |
| Other Assets | -856.229M | -1160.925M | -1238.523M | -1111.653M | -974.544M |
| Cash | 22.973M | 27.294M | 34.131M | 46.205M | 45.492M |
| Cash And Equivalents | 22.973M | 27.294M | 34.131M | 46.205M | 45.492M |
| Total Current Liabilities | 9.884M | 14.59M | 13.206M | 8.059M | 7.614M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | -22.973M | -27.294M | -34.131M | -46.205M | -45.492M |
| Short Term Debt | 0M | 0M | 0.4M | 0M | 0M |
| Short Long Term Debt | - | - | - | - | - |
| Short Long Term Debt Total | - | - | - | 77.117M | - |
| Other Stockholder Equity | -22.806M | -20.101M | -11.011M | -11.011M | -11.011M |
| Property Plant Equipment | 12.926M | 14.074M | 16.312M | 5.904M | 5.943M |
| Total Current Assets | 1220.823M | 1514.96M | 1540.576M | 1441.817M | 1301.385M |
| Long Term Investments | 1357.912M | 1639.364M | 1640.805M | 1497.707M | 1360.673M |
| Short Term Investments | 1180.86M | 1470.617M | 1489.383M | 1379.26M | 1238.904M |
| Net Receivables | 16.99M | 17.049M | 17.062M | 16.352M | 16.989M |
| Long Term Debt | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | 9.884M | 14.59M | 13.206M | 8.059M | 7.614M |
| Accumulated Other Comprehensive Income | -195.279M | 117.492M | 128.255M | 77.117M | 5.366M |
| Non Currrent Assets Other | -1205.376M | -1500.476M | -1541.367M | -1414.772M | -1288.72M |
| Non Current Assets Total | 1205.376M | 1500.476M | 1541.367M | 1414.772M | 1288.72M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | 0M | 0M | 0M | 0M | 0M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -61.142M | -47.467M | -61.602M | -68.85M | -84.508M |
| Total Cashflows From Investing Activities | -60.742M | -41.077M | -61.812M | -69.345M | -85.134M |
| Total Cash From Financing Activities | -0.499M | -6.215M | 0.904M | -2.165M | -0.058M |
| Net Income | -6.638M | 36.787M | -10.988M | -1.37M | -11.062M |
| Change In Cash | -4.321M | -6.837M | -12.074M | 0.713M | -0.572M |
| Begin Period Cash Flow | 27.294M | 34.131M | 46.205M | 45.492M | 46.064M |
| End Period Cash Flow | 22.973M | 27.294M | 34.131M | 46.205M | 45.492M |
| Total Cash From Operating Activities | 56.92M | 40.455M | 48.834M | 72.223M | 84.62M |
| Depreciation | 0.536M | 1.14M | 1.423M | 1.677M | 3.909M |
| Other Cashflows From Investing Activities | 0.5M | 7.397M | 0.011M | 0.016M | 0.098M |
| Dividends Paid | 0.023M | - | - | - | - |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -2.705M | -9.09M | - | - | - |
| Other Cashflows From Financing Activities | 0.008M | 0.62M | 0.904M | -2.165M | -0.058M |
| Capital Expenditures | 0.1M | 1.007M | 0.221M | 0.511M | 0.724M |
| Change In Working Capital | 45.302M | -9.164M | 41.239M | 53.075M | 0.3M |
| Other Non Cash Items | 17.135M | 10.619M | 15.339M | 15.169M | 28.43M |
| Free Cash Flow | 56.82M | 39.448M | 48.613M | 71.712M | 83.896M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Total Stock Mkt Idx Inv | 1 year ago | 1402435 |
| 2. | Vanguard Institutional Extnd Mkt Idx Tr | 1 year ago | 625495 |
| 3. | Fidelity® Extended Market Index | 1 year ago | 235725 |
| 4. | Bridgeway Ultra-Small Company Market | 1 year ago | 200331 |
| 5. | DFA US Micro Cap I | 1 year ago | 152157 |
| 6. | BlackRock Extended Mkt Composite | 1 year ago | 121780 |
| 7. | First Eagle Small Cap Opportunity I | 1 year ago | 119140 |
| 8. | iShares Micro-Cap ETF | 1 year ago | 109163 |
| 9. | EA Bridgeway Omni Small-Cap Value ETF | 1 year ago | 108177 |
| 10. | BlackRock Extended Equity Market K | 1 year ago | 106457 |
| 11. | Fidelity® Total Market Index | 1 year ago | 89803 |
| 12. | First Eagle US Small Cap Strategy | 1 year ago | 81337 |
| 13. | DFA US Core Equity 2 I | 1 year ago | 80221 |
| 14. | Bridgeway Omni Small-Cap Value | 1 year ago | 79500 |
| 15. | Bridgeway Omni Small-Cap Value N | 1 year ago | 79500 |
| 16. | Dimensional US Small Cap ETF | 1 year ago | 61898 |
| 17. | Fidelity® Series Total Market Index | 1 year ago | 57006 |
| 18. | Dimensional US Targeted Value ETF | 1 year ago | 46602 |
| 19. | DFA US Vector Equity I | 1 year ago | 41727 |
| 20. | DFA US Core Equity 1 I | 1 year ago | 39312 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Group Inc | 1 year ago | 2110521 |
| 2. | BlackRock Inc | 1 year ago | 824533 |
| 3. | Dimensional Fund Advisors, Inc. | 1 year ago | 532614 |
| 4. | Geode Capital Management, LLC | 1 year ago | 416779 |
| 5. | Bridgeway Capital Management, LLC | 1 year ago | 388496 |
| 6. | Millennium Management LLC | 1 year ago | 259066 |
| 7. | Renaissance Technologies Corp | 1 year ago | 247494 |
| 8. | UBS Group AG | 1 year ago | 232948 |
| 9. | GMT Capital Corp | 1 year ago | 197295 |
| 10. | State Street Corporation | 1 year ago | 167836 |
| 11. | Empowered Funds, LLC | 1 year ago | 102665 |
| 12. | Northern Trust Corp | 1 year ago | 95594 |
| 13. | Arnhold & S. Bleichroeder Advisers, LLC | 1 year ago | 87213 |
| 14. | Connor Clark & Lunn Inv Mgmt Ltd | 1 year ago | 54518 |
| 15. | Barclays PLC | 1 year ago | 46416 |
| 16. | Two Sigma Advisers, LLC | 1 year ago | 45187 |
| 17. | HighTower Advisors, LLC | 1 year ago | 45000 |
| 18. | T. Rowe Price Associates, Inc. | 1 year ago | 34900 |
| 19. | Citigroup Inc | 1 year ago | 33646 |
| 20. | Susquehanna International Group, LLP | 1 year ago | 30775 |
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