Citizens, Inc.
Financial ServicesNYSE:CIA · New York Stock Exchange
+$0.06 today
Vol 0.09M · Avg 0.10M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
6.2%
avg 3.9%
ROIC
0.9%
avg 1.8%
ROA
0.8%
avg 0.5%
Analysis
ROE is currently the strongest return metric at 6.2% versus its period average of 3.9%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Jon Scott Stenberg | President CEO & Director | $1.04M | — | 60 | $327,574.00 | 0.65% |
Jeffery Paul Conklin | Chief Financial Officer, Chief Investment Officer & Treasurer | $649,673.00 | — | 56 | $202,441.13 | 0.40% |
Sheryl L. Kinlaw | Chief Legal Officer & Secretary | $546,200.00 | — | 57 | $10,256.00 | 0.02% |
Harvey J. L. Waite | Chief Actuary | $470,780.00 | — | 66 | $84,032.01 | 0.17% |
Seth Alan Hoxworth | Chief Actuary | $470,780.00 | — | 40 | $5,964.00 | 0.01% |
David Scott Jorgensen | General Manager for International Operations of CICA Life Insurance Company of America | $360,600.00 | — | 62 | $728,737.00 | 1.44% |
Bryon Matthew Lewis | Chief Operating Officer | — | — | 52 | $21,993.81 | 0.04% |
Paula Guerrero | Chief Information Officer | — | — | 61 | $3,846.00 | <0.01% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
5
$398,126.72
Sells
0
$0.00
Net Sentiment
+$398,126.72
Net buying
Most Active
Stenberg Jon
4 transactions
Analysis
Insiders reported 5 buys worth $398,126.72 and 0 sells worth $0.00 over the last 12 months. That adds up to net buying of $398,126.72. Stenberg Jon was the most active insider with 4 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | N/A | N/A1 analysts |
| Revenue | N/A | N/A | +5.2% | +1.2% (12yr)1 analysts |
| Net Income | N/A | N/A | N/A | N/A1 analysts |
| EBIT | N/A | N/A | N/A | N/A1 analysts |
Analysis
Recent growth has been strongest in Revenue at +5.2% over three years. Forward estimates point to Revenue at +1.2% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
Citizens & Northern Corporation
NASDAQ:CZNC
$395.24M
Plumas Bancorp
NASDAQ:PLBC
$394.47M
Waterstone Financial, Inc.
NASDAQ:WSBF
$354.20M
NI Holdings, Inc.
NASDAQ:NODK
$318.69M
FS Bancorp, Inc.
NASDAQ:FSBW
$316.38M
Destiny Tech100 Inc.
NYSE:DXYZ
$315.19M
Graf Global Corp.
AMEX:GRAF
$312.22M
Launch One Acquisition Corp.
NASDAQ:LPAA
$311.35M
Legato Merger Corp. III
AMEX:LEGT
$244.59M
Ethzilla Corp.
ETHZ
$56.39M
Who manages CIA?
Citizens, Inc. (CIA) lists 8 active executives. The top listed executive is Harvey J. L. Waite, Chief Actuary.
Are CIA insiders buying or selling?
Recent insider activity shows net buying of $734,770.10.
Explore More
Continue the stock analysis
Jump to another research area for this company.