CIA
Neutral signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Supports a bullish reading. Current ratio 1.93 · operating margin 6.8%
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 50000 titres (~199630 USD)
- Insiders
- Stenberg Jon
- Total bought
-
$199,630
Avg buy (VWAP, 90d window) $3.90 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-08-10
- Last synced
-
2026-08-12 10:24:46
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-31 | HARWOOD MICHAEL PHILIP | Buy | 10,000 | $3.80 | $38,000 | Form 4 |
| 2026-08-11 | Hoxworth Seth Alan | Buy | 5,376 | $3.83 | $20,590 | Form 4 |
| 2026-08-11 | Stenberg Jon | Buy | 12,000 | $3.65 | $43,795 | Form 4 |
| 2026-08-10 | Stenberg Jon | Buy | 50,000 | $3.99 | $199,630 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signalScored 2026-08-12
CIA presents a mixed profile: a debt-free balance sheet and extreme oversold conditions (RSI 14.8) offer some near-term mean-reversion potential, while Jon Stenberg's $199k insider cluster buy post-Q2 2026 earnings adds…
The first sentence of the analysis written for CIA on 2026-08-12 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 35.4% | 49.7% | 100.0% | 49.4% | 51.1% | |
| Ebit Margin | 6.8% | 6.1% | 10.9% | 11.8% | 12.2% | |
| Ebitda Margin | 7.1% | 6.4% | 11.3% | 12.0% | 12.6% | |
| Operating Profit Margin | 6.8% | 6.1% | 80.4% | 11.8% | 12.2% | |
| Pretax Profit Margin | 6.8% | 6.1% | 10.9% | 11.8% | 12.2% | |
| Continuous Operations Profit Margin | 5.7% | 6.1% | 10.2% | 11.2% | 29.0% | |
| Net Profit Margin | 5.7% | 6.1% | 10.2% | 11.2% | 29.0% | |
| Bottom Line Profit Margin | 5.7% | 6.1% | 10.2% | 11.2% | 29.0% | |
| Current Ratio | 1.925 | 3.318 | 2.919 | 0.000 | 0.000 | |
| Quick Ratio | 1.925 | 3.318 | 2.919 | 0.000 | 0.000 | |
| Solvency Ratio | 0.010 | 0.011 | 0.017 | 0.018 | 0.048 | |
| Cash Ratio | 0.446 | 3.318 | 2.678 | 0.000 | 0.000 | |
| Price To Earnings Ratio | 16.655 | 14.852 | 5.490 | 4.096 | 3.637 | |
| Price To Earnings Growth Ratio | 2.248 | -0.331 | -0.952 | -0.064 | -0.005 | |
| Forward Price To Earnings Growth Ratio | 2.248 | -0.331 | -0.952 | -0.064 | -0.005 | |
| Price To Earnings Diluted Ratio | 16.655 | 13.828 | 5.604 | 4.176 | 3.688 | |
| Price To Earnings Diluted Growth Ratio | 0.000 | -0.349 | -0.953 | -0.065 | -0.005 | |
| Price To Book Ratio | 1.030 | 1.064 | 0.777 | 0.836 | 0.825 | |
| Price To Sales Ratio | 0.947 | 0.913 | 0.555 | 0.459 | 1.056 | |
| Price To Free Cash Flow Ratio | 13.800 | 7.159 | 6.185 | 1.880 | 6.706 | |
| Price To Operating Cash Flow Ratio | 13.457 | 7.010 | 6.061 | 1.876 | 6.539 | |
| Debt To Assets Ratio | 0.000 | 0.005 | 0.005 | 0.000 | 0.000 | |
| Debt To Equity Ratio | 0.000 | 0.037 | 0.053 | 0.000 | 0.000 | |
| Debt To Capital Ratio | 0.000 | 0.036 | 0.050 | 0.000 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 7.468 | 8.012 | 9.696 | 12.448 | 5.785 | |
| Working Capital Turnover Ratio | 7.882 | 12.313 | 24.883 | 0.000 | 0.000 | |
| Operating Cash Flow Ratio | 0.375 | 3.618 | 2.188 | 0.000 | 0.000 | |
| Operating Cash Flow Sales Ratio | 0.070 | 0.130 | 0.092 | 0.245 | 0.161 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.975 | 0.979 | 0.980 | 0.998 | 0.975 | |
| Debt Service Coverage Ratio | 0.000 | 10.838 | 0.000 | 0.000 | 0.000 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 22.274 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 4.098 | 2.431 | 0.000 | 0.000 | |
| Capital Expenditure Coverage Ratio | 40.237 | 48.142 | 49.900 | 569.200 | 40.174 | |
| Dividend Paid And Capex Coverage Ratio | 40.237 | 48.142 | 49.900 | 462.764 | 40.174 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.001 | 0.000 | |
| Enterprise Value Multiple | 12.115 | 12.967 | 4.241 | 3.003 | 7.497 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 35.4% | ▼-14.2% | ▼-21.7% |
| Ebit Margin | 6.8% | ▲0.7% | ▼-2.7% |
| Ebitda Margin | 7.1% | ▲0.8% | ▼-2.8% |
| Operating Profit Margin | 6.8% | ▲0.7% | ▼-16.6% |
| Pretax Profit Margin | 6.8% | ▲0.7% | ▼-2.7% |
| Continuous Operations Profit Margin | 5.7% | ▼-0.4% | ▼-6.7% |
| Net Profit Margin | 5.7% | ▼-0.4% | ▼-6.7% |
| Bottom Line Profit Margin | 5.7% | ▼-0.4% | ▼-6.7% |
| Current Ratio | 1.925 | ▼-1.393 | ▲0.293 |
| Quick Ratio | 1.925 | ▼-1.393 | ▲0.293 |
| Solvency Ratio | 0.010 | ▼-0.000 | ▼-0.011 |
| Cash Ratio | 0.446 | ▼-2.872 | ▼-0.842 |
| Price To Earnings Ratio | 16.655 | ▲1.803 | ▲7.709 |
| Price To Earnings Growth Ratio | 2.248 | ▲2.579 | ▲2.069 |
| Forward Price To Earnings Growth Ratio | 2.248 | ▲2.579 | ▲2.069 |
| Price To Earnings Diluted Ratio | 16.655 | ▲2.828 | ▲7.865 |
| Price To Earnings Diluted Growth Ratio | 0.000 | ▲0.349 | ▲0.274 |
| Price To Book Ratio | 1.030 | ▼-0.034 | ▲0.124 |
| Price To Sales Ratio | 0.947 | ▲0.034 | ▲0.161 |
| Price To Free Cash Flow Ratio | 13.800 | ▲6.641 | ▲6.654 |
| Price To Operating Cash Flow Ratio | 13.457 | ▲6.447 | ▲6.468 |
| Debt To Assets Ratio | 0.000 | ▼-0.005 | ▼-0.002 |
| Debt To Equity Ratio | 0.000 | ▼-0.037 | ▼-0.018 |
| Debt To Capital Ratio | 0.000 | ▼-0.036 | ▼-0.017 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 7.468 | ▼-0.544 | ▼-1.214 |
| Working Capital Turnover Ratio | 7.882 | ▼-4.432 | ▼-1.134 |
| Operating Cash Flow Ratio | 0.375 | ▼-3.243 | ▼-0.861 |
| Operating Cash Flow Sales Ratio | 0.070 | ▼-0.060 | ▼-0.069 |
| Free Cash Flow Operating Cash Flow Ratio | 0.975 | ▼-0.004 | ▼-0.006 |
| Debt Service Coverage Ratio | 0.000 | ▼-10.838 | ▼-2.168 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | ▼-22.274 | ▼-4.455 |
| Operating Cash Flow Coverage Ratio | 0.000 | ▼-4.098 | ▼-1.306 |
| Capital Expenditure Coverage Ratio | 40.237 | ▼-7.905 | ▼-109.293 |
| Dividend Paid And Capex Coverage Ratio | 40.237 | ▼-7.905 | ▼-88.006 |
| Dividend Payout Ratio | 0.000 | 0.000 | ▼-0.000 |
| Enterprise Value Multiple | 12.115 | ▼-0.853 | ▲4.150 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $242.0M | $223.8M | $133.7M | $106.8M | $264.5M | |
| Enterprise value | $220.6M | $202.3M | $115.8M | $83.8M | $237.2M | |
| EV / Sales | 0.86x | 0.83x | 0.48x | 0.36x | 0.95x | |
| EV / Op. cash flow | 12.27x | 6.34x | 5.25x | 1.47x | 5.86x | |
| EV / Free cash flow | 12.58x | 6.47x | 5.36x | 1.48x | 6.01x | |
| EV / EBITDA | 12.12x | 12.97x | 4.24x | 3.00x | 7.50x | |
| Net debt / EBITDA | -1.18x | -1.38x | -0.66x | -0.82x | -0.86x | |
| Current ratio | 1.93x | 3.32x | 2.92x | 0.00x | 0.00x | |
| Income quality | 1.23x | 2.14x | 0.90x | -8.57x | 0.56x | |
| Graham number | $6 | $5 | $6 | $5 | $15 | |
| Graham net-net | -$29 | -$4 | -$5 | -$5 | -$0 | |
| Tax burden | 83.5% | 99.5% | 93.4% | 95.0% | 238.3% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $44.4M | $20.4M | $19.3M | $0 | $0 | |
| Invested capital | $283.8M | $240.1M | $217.0M | $12.9M | $15.0M | |
| Return on assets | 0.8% | 0.9% | 1.5% | 1.6% | 3.9% | |
| Operating ROA | 1.0% | 0.9% | 11.9% | 1.6% | 1.6% | |
| Return on tangible assets | 1.0% | 1.0% | 1.6% | 1.6% | 3.9% | |
| Return on equity | 6.2% | 7.1% | 14.2% | 20.4% | 22.7% | |
| Return on invested capital | 0.9% | 0.9% | 11.2% | 0.0% | 0.0% | |
| Return on capital employed | 1.0% | 0.9% | 11.7% | 1.7% | 1.6% | |
| Earnings yield | 6.0% | 6.7% | 18.3% | 24.4% | 27.5% | |
| Free cash flow yield | 7.2% | 14.0% | 16.2% | 53.2% | 14.9% | |
| Capex / Op. cash flow | 2.5% | 2.1% | 2.0% | 0.2% | 2.5% | |
| Capex / Depreciation | 60.3% | 107.1% | 39.5% | 18.7% | 88.3% | |
| Capex / Sales | 0.2% | 0.3% | 0.2% | 0.0% | 0.4% | |
| SG&A / Sales | 0.0% | 21.3% | 19.6% | 19.4% | 17.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 0.6% | 0.2% | 0.2% | 0.3% | |
| Intangibles / Total assets | 13.1% | 12.4% | 11.1% | 0.0% | 0.1% | |
| Days sales outstanding | 59d | 28d | 7d | 27d | 25d | |
| Days payables outstanding | 19d | 26d | 0d | 31d | 44d | |
| Operating cycle | 59d | 28d | 7d | 27d | 25d | |
| Cash conversion cycle | 39d | 2d | 7d | -4d | -19d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+8.2%EV / Sales ▲+4.5%EV / EBITDA ▼-6.6%EV / Op. cash flow ▲+5.929Earnings yield ▼-0.006Graham number ▲+0.782
Profitability
Return on equity ▼-0.009Return on assets ▼-0.001Return on invested capital -0.000Return on capital employed ▲+0.001Operating ROA ▲+0.001Income quality ▼-0.908Tax burden ▼-0.160
Efficiency
Days sales outstanding ▲+30.925Days payables outstanding ▼-6.717Operating cycle ▲+30.925Cash conversion cycle ▲+37.643Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-1.393Net debt / EBITDA ▲+0.201Working capital ▲+23966000.000Invested capital ▲+43678000.000Intangibles / Total assets ▲+0.007
Change over 5 years
Valuation
Market cap ▼-8.5%EV / Sales ▼-8.9%EV / EBITDA ▲+61.6%EV / Op. cash flow ▲+6.402Earnings yield ▼-0.215Graham number ▼-8.994
Profitability
Return on equity ▼-0.165Return on assets ▼-0.031Return on invested capital n/aReturn on capital employed ▼-0.006Operating ROA ▼-0.006Income quality ▲+0.676Tax burden ▼-1.548
Efficiency
Days sales outstanding ▲+33.889Days payables outstanding ▼-24.105Operating cycle ▲+33.889Cash conversion cycle ▲+57.994Capex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio n/aNet debt / EBITDA ▼-0.314Working capital n/aInvested capital ▲+268767000.000Intangibles / Total assets ▲+0.130
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-08-06 Citizens, Inc. Reports Second Quarter 2026 Financial Results Austin, Texas--(Newsfile Corp. - August 6, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the second quarter ended June 30, 2026. "Our underlying indicators of future growth continued to advance.
- 2026-08-01 Champion Iron Q1 Earnings Call Highlights Champion Iron TSE: CIA reported first-quarter fiscal 2027 production of about 3.9 million tonnes of high-grade iron ore across its Bloom Lake and Rana Gruber operations, while sales totaled about 3.3 million tonnes. The company said lower sales volumes, elevated freight costs and startup activity at its new direct-reduction pellet feed plant affected quarterly profitability.
- 2026-06-29 Citizens (CIA) Stock Jumps 7.2%: Will It Continue to Soar? Citizens (CIA) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.
- 2026-06-09 Citizens, Inc. to Participate at Emerging Growth Virtual Conference on June 10, 2026 Austin, Texas--(Newsfile Corp. - June 9, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced management''s plan to present at the Emerging Growth Virtual Conference on June 10, 2026 at 11:25 ET. The live, interactive webcast and slide presentation will be accessible on the Company''s Investor Relations website under the Events tab HERE.
- 2026-05-28 Champion Iron Limited (CIA:CA) Q4 2026 Earnings Call Transcript Champion Iron Limited (CIA:CA) Q4 2026 Earnings Call Transcript