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Profile - Citizens, Inc. (AMEX:CIA)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 31Price hit new 52-week high ($9.90)
Location
400 East Anderson Lane
Austin, TX 78752
Phone: (512) 837-7100
Fax: (512) 836-9785
Email: corporate@citizensinc.com
Employees (last reported count): 90
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Free Annual Report
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Insurance (Life)
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 22%
·Over the last 6 months:
 · 6 insider buys; 2,000  shares
·Institutional: 6% (7% of float)
(30 institutions)
·Net Inst. Buying: 235.0K shares (+14.31%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens, Inc. operates primarily as an insurance holding company. Citizens is the parent company that directly or indirectly owns 100% of Citizens Insurance Company of America (CICA), Computing Technology, Inc., Insurance Investors, Inc., Funeral Homes of America, Central Investors Life Insurance Company of Illinois (CILIC), First Investors Group, Inc. and Excalibur Insurance Corporation. Citizens, through CICA, CILIC and Excalibur, operates principally in two business segments, International Business and Domestic Business. International Business consisting of ordinary whole-life business is sold throughout Central and South America. Domestic Business consisting of traditional life and burial insurance, pre-need policies, accident and health specified disease, hospital indemnity and accidental death policies are sold throughout the southern United States.
More from Market Guide: Expanded Business Description

Financial Summary
CIA, a holding co., provides life insurance through its subsidiaries CICA, USLIC, NSLIC, and CILIC. The Company offers individual accident and health products as well as ordinary whole life policies. For the six months ended 6/30/01, revenues less than 1% to $31.8 million. Net income rose 70% to $1.1 million. Revenues reflect the expansion of asset base. Earnings also reflect improved persistency on the international whole life insurance business.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Harold Riley, 72
Chairman
$520K
Mark Oliver, 42
Pres
184K
Rick Riley, 47
Vice Chairman, CEO
175K
Jeffrey Wood, 47
Exec. VP, CFO, Sec. and Treasurer
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- AMEX:CIAAs of 31-Aug-2001
Price and Volume
52-Week Low
on 18-Sep-2000
$5.374
Recent Price$9.90 
52-Week High
on 31-Aug-2001
$9.90 
Beta0.17 
Daily Volume (3-month avg)22.7K
Daily Volume (10-day avg)14.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+64.5%
52-Week Change
relative to S&P500
+120.7%
Share-Related Items
Market Capitalization$248.8M
Shares Outstanding25.1M
Float19.5M
Dividends & Splits
Annual Dividendnone 
Last Split: 46 for 43 on 29-Nov-2000
Per-Share Data
Book Value (mrq)$3.14 
Earnings (ttm)$0.10 
Earnings (mrq)$0.02 
Sales (ttm)$2.66 
Cash (mrq)$0.23 
Valuation Ratios
Price/Book (mrq)3.15 
Price/Earnings (ttm)99.00 
Price/Sales (ttm)3.73 
Income Statements
Sales (ttm)$66.7M
EBITDAN/A 
Income available to common (ttm)$2.51M
Profitability
Profit Margin (ttm)3.8%
Operating Margin (ttm)4.8%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.94%
Return on Equity (ttm)3.28%
Financial Strength
Current RatioN/A 
Debt/Equity (mrq)0 
Total Cash (mrq)$5.67M
Short Interest
As of 8-Aug-2001
Shares Short49.0K
Percent of Float0.3%
Shares Short
(Prior Month)
49.0K
Short Ratio3.50 
Daily Volume14.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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