Citizens (Citizens) GF Value : $3.57 (As of Apr. 29, 2024)

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What is Citizens GF Value?

The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-29), Citizens's share price is $2.20. Citizens's GF Value is $3.57. Therefore, Citizens's Price-to-GF-Value for today is 0.62.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Citizens is Significantly Undervalued.

Citizens (NYSE:CIA) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Citizens's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	2.20	/	3.57
	=	0.62

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens GF Value Related Terms

Thank you for viewing the detailed overview of Citizens's GF Value provided by GuruFocus.com. Please click on the following links to see related term pages.

Citizens (Citizens) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Citizens Inc (NYSE:CIA) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

11815 Alterra Parkway, Suite 1500, Austin, TX, USA, 78758

Website

https://www.citizensinc.com

Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in 32 U.S. states and more than 70 countries through its insurance subsidiaries. The company operates in two business segments namely the Life Insurance segment and the Home Service Insurance segment. The company majority generates revenues from Life Insurance segment.

Executives

James Keith Morgan	director	PO BOX 149151, AUSTIN TX 78714
Christopher W Claus	director	TRUECAR, INC., 120 BROADWAY, SUITE 200, SANTA MONICA CA 90401
Jeffery P. Conklin	officer: VP, CFO & Treasurer	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Gerald W Shields	director, officer: President & CEO	11815 ALTERRA PARKWAY, SUITE 1500, AUSTIN TX 78758
Harvey J. Waite	officer: VP, Chief Actuary	2900 ESPERANZA CROSSING, 2ND FLOOR, AUSTIN TX 78758
Mary Taylor	director	PO BOX 149151, AUSTIN TX 78714
Cynthia H Davis	director	PO BOX 149151, AUSTIN TX 78714
Davis Jerry Dodd Jr.	director	11815 ALTERRA PARKWAY, SUITE 1500, AUSTIN TX 78758
Terry Sam Maness	director	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Errol Dean Gage	director	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Frank A Keating	director	6100 N WESTERN AVENUE, OKLAHOMA CITY OK 73118
Mauldin Robert M Iii	officer: VP, Chief Marketing Officer	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Sheryl L Kinlaw	officer: Chief Legal Officer	11815 ALTERRA PKWY, FLOOR 15, AUSTIN TX 78758
Sloan Robert B Jr	director	11815 ALTERRA PKWY, SUITE 1500, AUSTIN TX 78758
Fred L. Quatro	director	2901 PENNY LANE, EULESS TX 76039