Citizens Inc (CIA) has a current Price-to-Book (P/B) ratio of 1.11. Compared to its 3-year average P/B ratio of 0.95, the current P/B ratio is approximately 17.33% higher. Relative to its 5-year average P/B ratio of 0.48, the current P/B ratio is about 132.40% higher. Citizens Inc (CIA) has a Forward Free Cash Flow (FCF) yield of approximately 7.69%. Compared to its 3-year average FCF yield of 19.06%, the current FCF yield is approximately -59.63% lower. Relative to its 5-year average FCF yield of 20.77%, the current FCF yield is about -62.96% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for CIA competitors is 0.97, providing a benchmark for relative valuation. Citizens Inc Corp (CIA.N) exhibits a P/S ratio of 0.97, which is 0.45% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of CIA increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of CIA in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is CIA currently overvalued or undervalued?

What is Citizens Inc (CIA) fair value?

CIA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Citizens Inc (CIA) is between 2.90 to 7.19 according to relative valuation method.

How does CIA's valuation metrics compare to the industry average?

The average P/S ratio for CIA's competitors is 0.97, providing a benchmark for relative valuation. Citizens Inc Corp (CIA) exhibits a P/S ratio of 0.97, which is 0.45% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.

What is the current P/B ratio for Citizens Inc (CIA) as of Mar 03 2026?

As of Mar 03 2026, Citizens Inc (CIA) has a P/B ratio of 1.11. This indicates that the market values CIA at 1.11 times its book value.

What is the current FCF Yield for Citizens Inc (CIA) as of Mar 03 2026?

As of Mar 03 2026, Citizens Inc (CIA) has a FCF Yield of 7.69%. This means that for every dollar of Citizens Inc's market capitalization, the company generates 7.69 cents in free cash flow.

What is the current Forward P/E ratio for Citizens Inc (CIA) as of Mar 03 2026?

As of Mar 03 2026, Citizens Inc (CIA) has a Forward P/E ratio of 17.79. This means the market is willing to pay $17.79 for every dollar of Citizens Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Citizens Inc (CIA) as of Mar 03 2026?

As of Mar 03 2026, Citizens Inc (CIA) has a Forward P/S ratio of 0.97. This means the market is valuing CIA at $0.97 for every dollar of expected revenue over the next 12 months.

CIA Valuation