Citizens Earnings Preview: Get Ahead of the Analysts

Citizens (NYSE:CIA) will report earnings after markets close on Thursday, May 2nd. Citizens, Inc. operates primarily as an insurance holding company. The Company, through its subsidiaries, offers a wide range of insurance products and services, including life and health and property and casualty insurance.

Here is your Cheat Sheet to Citizens Earnings:

Earnings Expectations: Analysts expect earnings of $0.02 per share on revenues of $49.33 million. Currently, the company’s P/E ratio stands at 72.42.

Analyst Trends:

Analysts have a more negative outlook for the company’s next-quarter performance. Over the past three months, the average estimate for next quarter’s earnings has fallen from a profit of $0.03 to a profit $0.02. For the current year, the average estimate is a profit of $0.09, which is worse than the estimate ninety days ago.

Earnings Trends:

Here’s how Citizens has been performing on an annual basis:

Fiscal Year 2008 2009 2010 2011 2012
Revenue ($) in millions 146.67 188.98 190.32 194.16 202.76
Diluted EPS ($) -0.35 0.306 0.30 0.17 0.09

Next, our CHEAT SHEET investing framework asks us to drill down to the recent quarterly data:

Quarter Dec. 31, 2011 Mar. 31, 2012 Jun. 30, 2012 Sep. 30, 2012 Dec. 31, 2012
Revenue ($) in millions 52.46 46.90 49.60 52.18 54.07
Diluted EPS ($) 0.0340 0.03 0.01 0.06 -0.0060

Past Performance:
Citizens has beat analyst estimates 1 time in the past four quarters. This is not consistent enough to get bullish yet.

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(Company fundamentals provided by Xignite Financials. Email any earnings discrepancies to earnings [at] wallstcheatsheet.com)