David CPA - Citizens General America

CIA Stock  USD 4.45  0.19  4.09%   

Executive

David CPA is General America of Citizens
Age 60
Address 11815 Alterra Pkwy, Austin, TX, United States, 78758
Phone512 837 7100
Webhttps://www.citizensinc.com

Citizens Management Efficiency

At present, Citizens' Return On Capital Employed is projected to increase slightly based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.15, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, Citizens' Non Currrent Assets Other are projected to increase significantly based on the last few years of reporting. The current year's Intangible Assets is expected to grow to about 195.1 M, whereas Total Assets are forecasted to decline to about 847.5 M. Citizens' management efficiency ratios could be used to measure how well Citizens manages its routine affairs as well as how well it operates its assets and liabilities.
Citizens has 9.07 M in debt with debt to equity (D/E) ratio of 0.03, which may show that the company is not taking advantage of profits from borrowing. Citizens has a current ratio of 0.58, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Note however, debt could still be an excellent tool for Citizens to invest in growth at high rates of return.

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Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas. Citizens operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 215 people. Citizens (CIA) is traded on New York Stock Exchange in USA. It is located in 11815 Alterra Pkwy, Austin, TX, United States, 78758 and employs 232 people. Citizens is listed under Life & Health Insurance category by Fama And French industry classification.

Management Performance

Citizens Leadership Team

Elected by the shareholders, the Citizens' board of directors comprises two types of representatives: Citizens inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens' management team and ensure that shareholders' interests are well served. Citizens' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens' outside directors are responsible for providing unbiased perspectives on the board's policies.
Francis Keating, Independent Director
Charlotte Duncan, Assistant Secretary
Chad Mellon, Chief Information and Services Officer, Vice President
Scott Buchholtz, Vice President - Human Resources
Larry Carson, VP Tax
Jeffrey Conklin, Interim Chief Financial Officer and Chief Investment Officer, Chief Accounting Officer, Vice President, Treasurer
Sheryl Kinlaw, Chief Legal Officer
James Eliasberg, Vice President Chief Legal Officer and Corporate Secretary
Geoffrey Kolander, Chief Legal Officer and Corporate Strategy and Sr. VP
Robert III, VP Officer
Robert Sloan, Independent Chairman of the Board
Gerald Shields, Interim Chief Executive Officer and President, Vice Chairman of the Board
Sheryl JD, Chief VP
Constance Weaver, Independent Director
Jerry Davis, Independent Chairman of the Board
J Morgan, Director
E Gage, Independent Director
Cindy Davis, Director
Jon Stenberg, President CEO
Terry Maness, Independent Director
David CPA, General America
Harvey Waite, Vice President, Chief Actuary
Sidney II, Executive Agency
Robert Mauldin, Chief Marketing Officer, Vice President
Mary Taylor, Director
Jeffery Conklin, CFO, VP
Bryon Lewis, Vice Operations
Christopher Claus, Independent Director

Citizens Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Citizens a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether Citizens offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Stock:
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Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share
0.43
Revenue Per Share
5.002
Quarterly Revenue Growth
0.039
Return On Assets
0.0076
Return On Equity
0.1223
The market value of Citizens is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens' value that differs from its market value or its book value, called intrinsic value, which is Citizens' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens' market value can be influenced by many factors that don't directly affect Citizens' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens' value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.