Head-To-Head Comparison: Citizens (CIA) and FBL Financial Group (FFG)

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FBL Financial Group (NYSE: FFG) and Citizens (NYSE:CIA) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, risk, institutional ownership, valuation, analyst recommendations and dividends.

Dividends

FBL Financial Group pays an annual dividend of $1.84 per share and has a dividend yield of 2.2%. Citizens does not pay a dividend. FBL Financial Group pays out 42.6% of its earnings in the form of a dividend. FBL Financial Group has increased its dividend for 5 consecutive years.

Insider & Institutional Ownership

29.6% of FBL Financial Group shares are owned by institutional investors. Comparatively, 20.8% of Citizens shares are owned by institutional investors. 0.4% of FBL Financial Group shares are owned by company insiders. Comparatively, 0.1% of Citizens shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for FBL Financial Group and Citizens, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FBL Financial Group 0 1 0 0 2.00
Citizens 0 0 0 0 N/A

Earnings and Valuation

This table compares FBL Financial Group and Citizens’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FBL Financial Group $735.48 million 2.83 $194.32 million $4.32 19.42
Citizens $252.62 million 1.61 -$38.12 million N/A N/A

FBL Financial Group has higher revenue and earnings than Citizens.

Volatility and Risk

FBL Financial Group has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500. Comparatively, Citizens has a beta of 1.42, indicating that its share price is 42% more volatile than the S&P 500.

Profitability

This table compares FBL Financial Group and Citizens’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FBL Financial Group 26.03% 8.43% 1.09%
Citizens -16.02% -16.81% -2.44%

Summary

FBL Financial Group beats Citizens on 10 of the 12 factors compared between the two stocks.

About FBL Financial Group

FBL Financial Group, Inc., through its subsidiaries, sells individual life insurance and annuity products. The Annuity segment sells various traditional annuity products that primarily consist of fixed rate and indexed annuities, and supplementary contracts. The Life Insurance segment offers whole life, term life, and universal life policies. The company markets its products to Farm Bureau members, and other individuals and businesses through exclusive agents and agency managers principally under the consumer brand name of Farm Bureau Financial Services in the Midwestern and Western sections of the United States. FBL Financial Group, Inc. was founded in 1944 and is headquartered in West Des Moines, Iowa.

About Citizens

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.

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