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CITIZENS, INC. (CIA) Stock Forecast 2025 - AI Price Prediction & Analysis


CITIZENS, INC. (CIA) AI Stock Price Forecast & Investment Analysis

CITIZENS, INC. Stock Price Chart and Technical Analysis

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CITIZENS, INC. (CIA) - Comprehensive Stock Analysis & Investment Research

Deep dive into CITIZENS, INC.'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about CITIZENS, INC., including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For CITIZENS, INC.: CITIZENS, INC. operates in the Finance sector, making it an emerging small-cap investment.

CITIZENS, INC. (Stock Symbol: CIA) is a leading company in the Finance sector , specifically operating within the Life Insurance industry.

The organization employs approximately 137 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing CITIZENS, INC.'s revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For CITIZENS, INC.: With $248M in annual revenue and 8.9% net margin, the company demonstrates solid profitability.

Annual Revenue: $248 million generating a 8.9% net profit margin .

Market Capitalization: $264 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 17.8% - Excellent shareholder return efficiency, indicating strong management effectiveness.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for CITIZENS, INC. stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Accuracy scores show historical prediction reliability.

For CITIZENS, INC.: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for CITIZENS, INC. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: CITIZENS, INC.'s competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For CITIZENS, INC.: Strong free cash flow generation demonstrates developing operational efficiency.

CITIZENS, INC. strategically competes in the highly dynamic Life Insurance marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $50 million annually, complemented by impressive -32.4% year-over-year cash flow growth.

CITIZENS, INC. (CIA) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for CITIZENS, INC. stock analysis.

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Deep dive into CITIZENS, INC.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if CITIZENS, INC. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For CITIZENS, INC.: With a P/E ratio of 5.10, the market sees the stock as potentially undervalued.

P/E Ratio 5.10x
P/B Ratio 1.53x
Market Cap $264M
Dividend Yield 14.86%
EPS $0.77
Book Value/Share $3.40
Revenue/Share $4.90
FCF/Share $1.09
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently CITIZENS, INC. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For CITIZENS, INC.: An ROE of 17.8% demonstrates excellent shareholder value creation.

ROE 17.8%
ROA 2.2%
Net Margin 8.9%
EBT Margin -2.0%
Tax Rate 123.9%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess CITIZENS, INC.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For CITIZENS, INC.:

D/E Ratio 0.28x
Financial Leverage 8.80x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal CITIZENS, INC.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For CITIZENS, INC.: Free cash flow of $50M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $51M
Free Cash Flow $50M
Capital Spending $-1M
OCF Growth YoY -32.4%
FCF Growth YoY -32.2%
FCF/Sales 19.9%
CapEx/Sales 0.4%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively CITIZENS, INC. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For CITIZENS, INC.: An asset turnover of 0.14x suggests room for improvement in asset utilization.

Asset Turnover 0.14x
Fixed Assets Turnover 16.8x
Understanding Financial Statement Data

What these metrics mean: Key figures from CITIZENS, INC.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For CITIZENS, INC.: With annual revenue of $248M, CITIZENS, INC. demonstrates solid business size.

Income Statement ($ Millions)
Total Revenue $248M
SG&A Expense $17M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 79%
Total Liabilities 89%
Short-term Debt 1%
Accounts Receivable 1%
Dividend & Shareholder Information
Dividends Per Share $0.81
Payout Ratio 24.4%
Shares Outstanding 51M

Latest CITIZENS, INC. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting CITIZENS, INC. (CIA) stock price and investment outlook.

CITIZENS, INC. Competitors & Peer Analysis - Finance Sector

Comparative analysis of CITIZENS, INC. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
AAME Unlock Forecast - 30 Days FREE Trial $71M 28.1x 0.7x
ANG-PB Unlock Forecast - 30 Days FREE Trial $2037M 2.9x 0.7x
ANG-PD Unlock Forecast - 30 Days FREE Trial $2075M 2.9x 0.7x
ATHS Unlock Forecast - 30 Days FREE Trial $0M x 0.0x
BHF Unlock Forecast - 30 Days FREE Trial $2858M 4.3x 0.5x
BHFAL Unlock Forecast - 30 Days FREE Trial $1128M 1.7x 0.2x
BHFAM Unlock Forecast - 30 Days FREE Trial $813M 1.2x 0.1x
BHFAN Unlock Forecast - 30 Days FREE Trial $901M 1.4x 0.2x
BHFAO Unlock Forecast - 30 Days FREE Trial $1093M 1.7x 0.2x
BHFAP Unlock Forecast - 30 Days FREE Trial $1085M 1.6x 0.2x
CIA Unlock Forecast - 30 Days FREE Trial $264M 5.1x 1.5x
CRBD Unlock Forecast - 30 Days FREE Trial $14882M x 1.2x
CRBG Unlock Forecast - 30 Days FREE Trial $20096M 30.2x 1.6x
FG Unlock Forecast - 30 Days FREE Trial $4745M 14.0x 1.1x
FGN Unlock Forecast - 30 Days FREE Trial $3649M 10.7x 0.8x
FGSN Unlock Forecast - 30 Days FREE Trial $3346M 9.8x 0.8x
GL Unlock Forecast - 30 Days FREE Trial $13853M 13.0x 2.6x
GNW Unlock Forecast - 30 Days FREE Trial $3998M 21.2x 0.5x
JXN Unlock Forecast - 30 Days FREE Trial $7384M 238.2x 0.7x
JXN-PA Unlock Forecast - 30 Days FREE Trial $1964M 63.4x 0.2x
LNC Unlock Forecast - 30 Days FREE Trial $7990M 7.0x 0.8x
LNC-PD Unlock Forecast - 30 Days FREE Trial $5122M 4.5x 0.5x
MET Unlock Forecast - 30 Days FREE Trial $55190M 12.9x 2.0x
MET-PA Unlock Forecast - 30 Days FREE Trial $16549M 3.9x 0.6x
MET-PE Unlock Forecast - 30 Days FREE Trial $17112M 4.0x 0.6x
MET-PF Unlock Forecast - 30 Days FREE Trial $14282M 3.3x 0.5x
PFH Unlock Forecast - 30 Days FREE Trial $7010M 4.3x 0.2x
PRH Unlock Forecast - 30 Days FREE Trial $9874M 6.1x 0.3x
PRI Unlock Forecast - 30 Days FREE Trial $9090M 13.4x 3.9x
PRS Unlock Forecast - 30 Days FREE Trial $9609M 5.9x 0.3x
PRU Unlock Forecast - 30 Days FREE Trial $41186M 25.3x 1.4x
RGA Unlock Forecast - 30 Days FREE Trial $13142M 17.1x 1.1x
RZB Unlock Forecast - 30 Days FREE Trial $1677M 2.2x 0.1x
RZC Unlock Forecast - 30 Days FREE Trial $1739M 2.3x 0.1x
UTGN Unlock Forecast - 30 Days FREE Trial $142M 3.2x 0.6x
VOYA Unlock Forecast - 30 Days FREE Trial $10599M 19.9x 2.3x
VOYA-PB Unlock Forecast - 30 Days FREE Trial $3299M 6.2x 0.7x

Frequently Asked Questions - CITIZENS, INC. Stock Forecast

How accurate are CITIZENS, INC. stock predictions?

Our AI model demonstrates 46% historical accuracy for CIA predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence CITIZENS, INC. stock price forecasts?

Our analysis considers CITIZENS, INC.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is CITIZENS, INC. a good investment in 2025?

Based on our AI analysis, CITIZENS, INC. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are CITIZENS, INC. forecasts updated?

CITIZENS, INC. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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