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How to buy Citizens stock

Own Citizens stock in just a few minutes.

Fact checked

Citizens, Inc is an insurance-life business based in the US. Citizens shares (CIA) are listed on the NYSE and all prices are listed in US Dollars.

How to buy shares in Citizens

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Citizens. Find the stock by name or ticker symbol: CIA. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Citizens reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Citizens, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Citizens. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Citizens share price

Use our graph to track the performance of CIA stocks over time.

Citizens shares at a glance

Information last updated 2021-02-24.
52-week rangeUSD$3.55 - USD$6.7
50-day moving average USD$6.0203
200-day moving average USD$5.956
Wall St. target priceUSD$7
PE ratio 118
Dividend yield N/A (0%)
Earnings per share (TTM) USD$0.047

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Citizens stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is Citizens under- or over-valued?

Valuing Citizens stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Citizens's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Citizens's P/E ratio

Citizens's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 118x. In other words, Citizens shares trade at around 118x recent earnings.

That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-valued.

Citizens's EBITDA

Citizens's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$6.5 million.

The EBITDA is a measure of a Citizens's overall financial performance and is widely used to measure a its profitability.

Citizens financials

Revenue TTM USD$243.7 million
Gross profit TTM USD$55.7 million
Return on assets TTM -0.18%
Return on equity TTM -2.72%
Profit margin -3.11%
Book value $5.874
Market capitalisation USD$310.7 million

TTM: trailing 12 months

Shorting Citizens shares

There are currently 6.6 million Citizens shares held short by investors – that's known as Citizens's "short interest". This figure is 1.1% down from 6.7 million last month.

There are a few different ways that this level of interest in shorting Citizens shares can be evaluated.

Citizens's "short interest ratio" (SIR)

Citizens's "short interest ratio" (SIR) is the quantity of Citizens shares currently shorted divided by the average quantity of Citizens shares traded daily (recently around 82724.017957351). Citizens's SIR currently stands at 80.19. In other words for every 100,000 Citizens shares traded daily on the market, roughly 80190 shares are currently held short.

However Citizens's short interest can also be evaluated against the total number of Citizens shares, or, against the total number of tradable Citizens shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Citizens's short interest could be expressed as 0.13% of the outstanding shares (for every 100,000 Citizens shares in existence, roughly 130 shares are currently held short) or 0.1346% of the tradable shares (for every 100,000 tradable Citizens shares, roughly 135 shares are currently held short).

A SIR above 20% would generally be considered very high, pointing to a pessimistic outlook for the share price, with a discouraging number of investors currently willing to bet against Citizens.

Find out more about how you can short Citizens stock.

Citizens share dividends

We're not expecting Citizens to pay a dividend over the next 12 months.

Have Citizens's shares ever split?

Citizens's shares were split on a 107:100 basis on 13 December 2005. So if you had owned 100 shares the day before before the split, the next day you'd have owned 107 shares. This wouldn't directly have changed the overall worth of your Citizens shares – just the quantity. However, indirectly, the new 6.5% lower share price could have impacted the market appetite for Citizens shares which in turn could have impacted Citizens's share price.

Citizens share price volatility

Over the last 12 months, Citizens's shares have ranged in value from as little as $3.55 up to $6.7. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Citizens's is 0.2503. This would suggest that Citizens's shares are less volatile than average (for this exchange).

Citizens overview

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 foreign residents in approximately 20 countries through 1,000 independent marketing consultants, as well as through independent marketing firms and consultants throughout the United States. It also provides health insurance policies. The Home Service Insurance segment offers pre-need and final expense ordinary life insurance, and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas. It provides its products and services through funeral homes and independent agents, as well as through a home service marketing distribution system. The company was founded in 1969 and is headquartered in Austin, Texas.

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