Is Citizens Stock a Good Investment?
Citizens Investment Advice | CIA |
- Examine Citizens' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Citizens' leadership team and their track record. Good management can help Citizens navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Life & Health Insurance space and any emerging trends that could impact Citizens' business and its evolving consumer preferences.
- Compare Citizens' performance and market position to its competitors. Analyze how Citizens is positioned in terms of product offerings, innovation, and market share.
- Check if Citizens pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Citizens' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Citizens stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Citizens is a good investment.
Sell | Buy |
Hold
Market Performance | OK | Details | |
Volatility | Moderately volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Not Available | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Citizens Stock
Researching Citizens' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 17.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.21. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens had not issued any dividends in recent years. The entity had 107:100 split on the 13th of December 2005.
To determine if Citizens is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Citizens' research are outlined below:
| Citizens appears to be risky and price may revert if volatility continues | |
| Citizens is unlikely to experience financial distress in the next 2 years | |
| Citizens has 11.74 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. | |
| Latest headline from seekingalpha.com: Citizens Holding declares 0.16 dividend |
Citizens uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Citizens. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Citizens' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 11th of March 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact Citizens' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Citizens' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2014-03-11 | 2013-12-31 | 0.03 | 0.02 | -0.01 | 33 | ||
2011-05-05 | 2011-03-31 | 0.04 | 0.03 | -0.01 | 25 | ||
2009-11-05 | 2009-09-30 | 0.05 | 0.04 | -0.01 | 20 | ||
2008-05-08 | 2008-03-31 | 0.06 | 0.05 | -0.01 | 16 | ||
2024-08-06 | 2024-06-30 | 0.06 | 0.08 | 0.02 | 33 | ||
2013-11-06 | 2013-09-30 | 0.02 | 0.04 | 0.02 | 100 | ||
2013-08-06 | 2013-06-30 | 0.02 | 0.04 | 0.02 | 100 | ||
2012-08-06 | 2012-06-30 | 0.03 | 0.01 | -0.02 | 66 |
Citizens Analyst Ratings
Citizens' analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Citizens stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Citizens' financials, market performance, and future outlook by experienced professionals. Citizens' historical ratings below, therefore, can serve as a valuable tool for investors.Know Citizens' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens backward and forwards among themselves. Citizens' institutional investor refers to the entity that pools money to purchase Citizens' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | State Street Corp | 2024-12-31 | 178.5 K | Qube Research & Technologies | 2024-12-31 | 165.8 K | Empowered Funds, Llc | 2024-12-31 | 145.3 K | Northern Trust Corp | 2024-12-31 | 106.3 K | Barclays Plc | 2024-12-31 | 103.9 K | O'shaughnessy Asset Management Llc | 2024-12-31 | 98.6 K | Marshall Wace Asset Management Ltd | 2024-12-31 | 95.9 K | Arrowstreet Capital Limited Partnership | 2024-12-31 | 89 K | Goldman Sachs Group Inc | 2024-12-31 | 82.3 K | Vanguard Group Inc | 2024-12-31 | 2.1 M | Blackrock Inc | 2024-12-31 | 939 K |
Citizens' market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 243.55 M.Market Cap |
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Citizens' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.07 | 0.07 | |
| Return On Capital Employed | 0.13 | 0.14 | |
| Return On Assets | 0.07 | 0.07 | |
| Return On Equity | 0.07 | 0.07 |
Determining Citizens' profitability involves analyzing its financial statements and using various financial metrics to determine if Citizens is a good buy. For example, gross profit margin measures Citizens' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Citizens' profitability and make more informed investment decisions.
Please note, the presentation of Citizens' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Citizens' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Citizens' management manipulating its earnings.
Evaluate Citizens' management efficiency
The current year's Return On Tangible Assets is expected to grow to 0.07. The current year's Return On Capital Employed is expected to grow to 0.14. At present, Citizens' Other Assets are projected to decrease significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 1.2 B, whereas Total Assets are forecasted to decline to about 211 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.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 3.77 | 2.47 | |
| Tangible Book Value Per Share | 3.77 | 1.97 | |
| Enterprise Value Over EBITDA | 4.88 | 4.63 | |
| Price Book Value Ratio | 1.06 | 1.01 | |
| Enterprise Value Multiple | 4.88 | 4.63 | |
| Price Fair Value | 1.06 | 1.01 | |
| Enterprise Value | 223.3 M | 143 M |
The operational strategies employed by Citizens management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Beta 0.106 |
Basic technical analysis of Citizens Stock
As of the 20th of March, Citizens shows the Mean Deviation of 3.08, risk adjusted performance of 0.0801, and Downside Deviation of 4.04. Citizens technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.Citizens' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Citizens' Outstanding Corporate Bonds
Citizens issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Understand Citizens' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Citizens' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0801 | |||
| Market Risk Adjusted Performance | 0.2402 | |||
| Mean Deviation | 3.08 | |||
| Semi Deviation | 3.74 | |||
| Downside Deviation | 4.04 | |||
| Coefficient Of Variation | 1217.44 | |||
| Standard Deviation | 4.0 | |||
| Variance | 15.97 | |||
| Information Ratio | 0.1039 | |||
| Jensen Alpha | 0.4522 | |||
| Total Risk Alpha | 0.7583 | |||
| Sortino Ratio | 0.1027 | |||
| Treynor Ratio | 0.2302 | |||
| Maximum Drawdown | 16.27 | |||
| Value At Risk | (7.41) | |||
| Potential Upside | 7.48 | |||
| Downside Variance | 16.34 | |||
| Semi Variance | 14.02 | |||
| Expected Short fall | (3.40) | |||
| Skewness | (0.13) | |||
| Kurtosis | (0.09) |
| Risk Adjusted Performance | 0.0801 | |||
| Market Risk Adjusted Performance | 0.2402 | |||
| Mean Deviation | 3.08 | |||
| Semi Deviation | 3.74 | |||
| Downside Deviation | 4.04 | |||
| Coefficient Of Variation | 1217.44 | |||
| Standard Deviation | 4.0 | |||
| Variance | 15.97 | |||
| Information Ratio | 0.1039 | |||
| Jensen Alpha | 0.4522 | |||
| Total Risk Alpha | 0.7583 | |||
| Sortino Ratio | 0.1027 | |||
| Treynor Ratio | 0.2302 | |||
| Maximum Drawdown | 16.27 | |||
| Value At Risk | (7.41) | |||
| Potential Upside | 7.48 | |||
| Downside Variance | 16.34 | |||
| Semi Variance | 14.02 | |||
| Expected Short fall | (3.40) | |||
| Skewness | (0.13) | |||
| Kurtosis | (0.09) |
Consider Citizens' intraday indicators
Citizens intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Citizens Corporate Filings
8K | 13th of March 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 12th of February 2025 Other Reports | ViewVerify | |
F5 | 29th of January 2025 The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners | ViewVerify |
F3 | 13th of January 2025 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
Citizens Stock media impact
Far too much social signal, news, headlines, and media speculation about Citizens that are available to investors today. That information is available publicly through Citizens media outlets and privately through word of mouth or via Citizens internal channels. However, regardless of the origin, that massive amount of Citizens data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Citizens news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Citizens relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Citizens' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Citizens alpha.
Citizens Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Citizens can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Citizens Corporate Directors
| Francis Keating | Independent Director | Profile | |
| Constance Weaver | Independent Director | Profile | |
| Terry Maness | Independent Director | Profile | |
| Christopher Claus | Independent Director | Profile |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
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.
Quarterly Earnings Growth (0.67) | Earnings Share 0.29 | Revenue Per Share | Quarterly Revenue Growth (0.05) | Return On Assets |
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.
In summary, please note that there is a difference between Citizens' value and its price, as these two are different measures arrived at by various 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.