Citizens Stock Buy Hold or Sell Recommendation
| CIA Stock | USD 2.02 0.01 0.49% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Citizens is 'Hold'. Macroaxis provides Citizens buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding Citizens positions. The advice algorithm takes into account all of Citizens' available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Citizens' buy or sell advice are summarized below:
Real Value 1.7 | Hype Value 2.08 | Market Value 2.02 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Citizens given historical horizon and risk tolerance towards Citizens. When Macroaxis issues a 'buy' or 'sell' recommendation for Citizens, the advice is generated through an automated system that utilizes algorithms and statistical models.
Citizens |
Execute Citizens Buy or Sell Advice
The Citizens recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Citizens. Macroaxis does not own or have any residual interests in Citizens or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Citizens' advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Very Weak | Details | |
Volatility | Very risky | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Not Available | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Citizens Trading Alerts and Improvement Suggestions
| Citizens generated a negative expected return over the last 90 days | |
| The company has 9.07 M in debt with debt to equity (D/E) ratio of 0.03, which may show that the company is not taking advantage of profits from borrowing. Citizens has a current ratio of 0.58, suggesting that it has not enough short term capital to pay financial commitments when the payables are due. Debt can assist Citizens until it has trouble settling it off, either with new capital or with free cash flow. So, Citizens' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Citizens sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Citizens to invest in growth at high rates of return. When we think about Citizens' use of debt, we should always consider it together with cash and equity. | |
| Latest headline from bbc.co.uk: Manchester City v Chelsea |
Citizens Returns Distribution Density
The distribution of Citizens' historical returns is an attempt to chart the uncertainty of Citizens' future price movements. The chart of the probability distribution of Citizens daily returns describes the distribution of returns around its average expected value. We use Citizens price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Citizens returns is essential to provide solid investment advice for Citizens.
| Mean Return | -0.27 | Value At Risk | -5.21 | Potential Upside | 5.66 | Standard Deviation | 2.99 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Citizens historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Citizens Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Citizens is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Citizens backward and forwards among themselves. Citizens' institutional investor refers to the entity that pools money to purchase Citizens' securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Qube Research & Technologies | 2023-12-31 | 139.5 K | Empowered Funds, Llc | 2023-12-31 | 112.8 K | Northern Trust Corp | 2023-12-31 | 95.2 K | Balyasny Asset Management Llc | 2023-12-31 | 85.5 K | Goldman Sachs Group Inc | 2023-12-31 | 65.4 K | 683 Capital Management Llc | 2023-12-31 | 64.7 K | Jane Street Group, Llc | 2023-12-31 | 60.4 K | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 58.5 K | Citigroup Inc | 2023-12-31 | 57.6 K | Vanguard Group Inc | 2023-12-31 | 2.1 M | Blackrock Inc | 2023-12-31 | 885.5 K |
Citizens Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 713K | (12.1M) | (6.8M) | (4.3M) | 4.0M | 4.2M | |
| Free Cash Flow | 71.7M | 48.6M | 39.4M | 56.8M | 21.6M | 41.0M | |
| Other Non Cash Items | 15.2M | 15.3M | 10.6M | 17.1M | 4.2M | 4.4M | |
| Capital Expenditures | 511K | 221K | 1.0M | 100K | 442K | 419.9K | |
| Net Income | (1.4M) | (11.0M) | 36.8M | (6.6M) | 24.4M | 25.7M | |
| End Period Cash Flow | 46.2M | 34.1M | 27.3M | 23.0M | 27.0M | 29.8M | |
| Depreciation | 1.7M | 1.4M | 1.1M | 536K | 1.1M | 1.1M | |
| Change To Netincome | (3.7M) | (1.9M) | (10.6M) | 10.4M | 12.0M | 12.6M | |
| Investments | (68.9M) | (61.6M) | (47.5M) | (61.1M) | (14.5M) | (15.2M) | |
| Change Receivables | 1.7M | 606K | 715K | (1.0M) | (1.2M) | (1.3M) |
Citizens Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Citizens or Insurance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Citizens' price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Citizens stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.32 | |
β | Beta against NYSE Composite | 0.61 | |
σ | Overall volatility | 2.95 | |
Ir | Information ratio | -0.12 |
Citizens Volatility Alert
Citizens exhibits very low volatility with skewness of 0.27 and kurtosis of -0.12. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Citizens' stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Citizens' stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Citizens Fundamentals Vs Peers
Comparing Citizens' fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Citizens' direct or indirect competition across all of the common fundamentals between Citizens and the related equities. This way, we can detect undervalued stocks with similar characteristics as Citizens or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Citizens' fundamental indicators could also be used in its relative valuation, which is a method of valuing Citizens by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Citizens to competition |
| Fundamentals | Citizens | Peer Average |
| Return On Equity | 0.16 | -0.31 |
| Return On Asset | 0.01 | -0.14 |
| Profit Margin | 0.10 % | (1.27) % |
| Operating Margin | 0.13 % | (5.51) % |
| Current Valuation | 82.71 M | 16.62 B |
| Shares Outstanding | 49.57 M | 571.82 M |
| Shares Owned By Insiders | 9.79 % | 10.09 % |
| Shares Owned By Institutions | 14.03 % | 39.21 % |
| Number Of Shares Shorted | 4.12 M | 4.71 M |
| Price To Earning | 4.88 X | 28.72 X |
| Price To Book | 0.55 X | 9.51 X |
| Price To Sales | 0.40 X | 11.42 X |
| Revenue | 240.68 M | 9.43 B |
| Gross Profit | 39.08 M | 27.38 B |
| EBITDA | 1.12 M | 3.9 B |
| Net Income | 24.44 M | 570.98 M |
| Cash And Equivalents | 22.97 M | 2.7 B |
| Cash Per Share | 0.44 X | 5.01 X |
| Total Debt | 9.07 M | 5.32 B |
| Debt To Equity | 0.03 % | 48.70 % |
| Current Ratio | 0.59 X | 2.16 X |
| Book Value Per Share | 3.47 X | 1.93 K |
| Cash Flow From Operations | 22.06 M | 971.22 M |
| Short Ratio | 63.92 X | 4.00 X |
| Earnings Per Share | 0.48 X | 3.12 X |
| Target Price | 7.0 | |
| Number Of Employees | 232 | 18.84 K |
| Beta | 0.18 | -0.15 |
| Market Capitalization | 100.63 M | 19.03 B |
| Total Asset | 1.66 B | 29.47 B |
| Retained Earnings | 42.15 M | 9.33 B |
| Net Asset | 1.66 B |
Note: Acquisition by Terry Maness of 317 shares of Citizens at 2.13 subject to Rule 16b-3 [view details]
Citizens Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Citizens . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 1941.45 | |||
| Daily Balance Of Power | (0.07) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 2.07 | |||
| Day Typical Price | 2.05 | |||
| Price Action Indicator | (0.05) | |||
| Period Momentum Indicator | (0.01) |
About Citizens Buy or Sell Advice
When is the right time to buy or sell Citizens? Buying financial instruments such as Citizens Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Total Stockholder Equity | 320.6M | 1.0M | 172.1M | 149.3M | Total Assets | 1.9B | 1.6B | 1.7B | 847.4M |
Use Investing Ideas to Build Portfolios
In addition to having Citizens in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Precious Metals Funds Thematic Idea Now
Precious Metals Funds
Funds or Etfs that invest in entities that are involved in mining, processing or dealing of precious metals. The Precious Metals Funds theme has 36 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Precious Metals Funds Theme or any other thematic opportunities.
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Check out Citizens Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Complementary Tools for Citizens Stock analysis
When running Citizens' price analysis, check to measure Citizens' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens is operating at the current time. Most of Citizens' value examination focuses on studying past and present price action to predict the probability of Citizens' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens' price. Additionally, you may evaluate how the addition of Citizens to your portfolios can decrease your overall portfolio volatility.
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Is Citizens' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.22) | Earnings Share 0.48 | Revenue Per Share 4.843 | Quarterly Revenue Growth (0.01) | Return On Assets 0.01 |
The market value of Citizens is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens' value that differs from its market value or its book value, called intrinsic value, which is Citizens' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens' market value can be influenced by many factors that don't directly affect Citizens' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens' value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.