Citizens (NYSE:CIA) and UTG (OTCMKTS:UTGN) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.

Valuation and Earnings

This table compares Citizens and UTG’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens $252.62 million 1.51 -$38.12 million N/A N/A
UTG $28.73 million 3.56 $4.81 million N/A N/A

UTG has lower revenue, but higher earnings than Citizens.

Profitability

This table compares Citizens and UTG’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens -24.95% -30.31% -3.76%
UTG 48.75% 26.42% 7.34%

Analyst Ratings

This is a breakdown of recent ratings and price targets for Citizens and UTG, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens 0 0 0 0 N/A
UTG 0 0 0 0 N/A

Insider and Institutional Ownership

22.0% of Citizens shares are held by institutional investors. 0.1% of Citizens shares are held by insiders. Comparatively, 67.3% of UTG shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Citizens has a beta of 1.34, indicating that its share price is 34% more volatile than the S&P 500. Comparatively, UTG has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500.

Summary

UTG beats Citizens on 6 of the 9 factors compared between the two stocks.

Citizens Company Profile

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates through two segments, Life Insurance and Home Service Insurance. The Life Insurance segment offers ordinary whole life, burial insurance, pre-need policies, and accident and health related policies, as well as credit life insurance and final expense policies to middle and lower income families, and individuals in the Midwest and Southern United States; and whole life and endowment policies to international residents. This segment offers its products through third-party marketing organizations and independent marketing consultants. The Home Service Insurance segment provides pre-need, final expense, and ordinary and industrial life insurance services; and annuities, as well as limited liability property policies to middle and lower income individuals in Louisiana, Mississippi, and Arkansas. This segment markets its products through funeral homes and independent agents, as well as through a home service marketing distribution system. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

UTG Company Profile

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. The company also offers reinsurance products. The company was founded in 1984 and is headquartered in Stanford, Kentucky.

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