CitizensStock Price and Value Analysis

Should you buy Citizens stock? (NYSE:CIA). Let's see how it does in our automated value investing analysis system.

AdvantagesDisadvantagesNeutral
  • This stock is available at a great discount!
  • This company has amazingly consistent growth!
  • This company is solid.
  • This company is making money at a modest rate.
  • This company pays no dividend.

CIA Free Cash Flow Trend

Based on historical returns, we believe that Citizens can grow its free cash at a rate of about 4%. That's positive!

Free Cash Flow trendline for CIA
Free Cash Flow trendline for Citizens

Inside the CIA Numbers

CIA Price
(Citizens stock price per share)
$7.40
[?] CIA Fair Price
(based on intrinsic value)
$17.13
[?] CIA Safety Price (based on a variable margin of safety) $11.13
[?] PE Ratio versus Sector 349% higher than other Financial stocks
[?] PE Ratio versus Industry 277% higher than other Life Insurance stocks
[?] Cash Yield 23.53%
[?] Free Cash Flow Jitter 7%

Is Citizens Stock on Sale?

We believe that Citizens may be worth examining further. It's making money, which is a very positive sign. Is it on sale?

Even better, Citizens looks like a stock on sale. Based on our analysis—if the company keeps making money the way it has been—you may be looking at a bargain. Keep this stock in mind as you put together your portfolio! See Before You Buy for your next steps (and read our disclaimer about investing risk).

Should You Buy CIA Stock?

Does Citizens have a coherent story? Does it have a plan to continue to make money? Is it worth your time? Only you can decide where to go from here. Our investment guide helps you ask the right questions, including how to buy stocks. Use these research links for more information.