Timothy Timmerman - Citizens Independent Director
| CIA Stock | USD 2.01 0.03 1.52% |
Director
Mr. Timothy T. Timmerman is an Independent Director of Citizens Inc. He was Real estate investordeveloper and owner of Commerce Texas Properties Inc. from 1990 to present Real Estate Broker and retired Certified Public Accountant in the State of Texas Chairman of the Lower Colorado River Authority. since 1989.
| Age | 53 |
| Tenure | 35 years |
| Address | 11815 Alterra Pkwy, Austin, TX, United States, 78758 |
| Phone | 512 837 7100 |
| Web | https://www.citizensinc.com |
Citizens Management Efficiency
At present, Citizens' Return On Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.15, whereas Return On Capital Employed is projected to grow to (0). At present, Citizens' Other Assets are projected to decrease significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 221.5 M, whereas Total Assets are forecasted to decline to about 847.4 M. Citizens' management efficiency ratios could be used to measure how well Citizens manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
| Found 10 records | DIRECTOR Age | ||
| Russell Moody | National Western Life | 52 | |
| Charles Milos | National Western Life | 72 | |
| Thomas Blackwell | National Western Life | 63 | |
| David Boone | National Western Life | 57 | |
| Frances MoodyDahlberg | National Western Life | 48 | |
| E Pederson | National Western Life | 70 | |
| Stephen Glasgow | National Western Life | 55 | |
| Ann Moody | National Western Life | 80 | |
| Louis Pauls | National Western Life | 81 | |
| Douglas McLeod | National Western Life | 76 | |
Management Performance
| Return On Equity | 0.16 | ||||
| Return On Asset | 0.01 |
Citizens Leadership Team
Elected by the shareholders, the Citizens' board of directors comprises two types of representatives: Citizens inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens' management team and ensure that shareholders' interests are well served. Citizens' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens' outside directors are responsible for providing unbiased perspectives on the board's policies.
| Amanda Crews, Vice President - Operations | ||
| Grant Teaff, Independent Director | ||
| Francis Keating, Independent Director | ||
| Charlotte Duncan, Assistant Secretary | ||
| Gregory Broer, Vice President Chief Actuary | ||
| Chad Mellon, Chief Information and Services Officer, Vice President | ||
| Jeff Conklin, Chief Accounting Officer | ||
| Scott Buchholtz, Vice President - Human Resources | ||
| Timothy Timmerman, Independent Director | ||
| Larry Carson, VP Tax | ||
| Kay Osbourn, Pres and Chief Corporate Officer | ||
| Jeffrey Conklin, Interim Chief Financial Officer and Chief Investment Officer, Chief Accounting Officer, Vice President, Treasurer | ||
| Sheryl Kinlaw, Chief Legal Officer | ||
| Frank Keating, Director | ||
| James Eliasberg, Vice President Chief Legal Officer and Corporate Secretary | ||
| J Davis, Independent Director | ||
| Terry Festervand, COO | ||
| Steven Shelton, Independent Director | ||
| Geoffrey Kolander, Chief Legal Officer and Corporate Strategy and Sr. VP | ||
| Robert III, VP Officer | ||
| Robert Sloan, Independent Chairman of the Board | ||
| David Jorgensen, CFO, Vice President Treasurer | ||
| Gerald Shields, Interim Chief Executive Officer and President, Vice Chairman of the Board | ||
| Amy Inman, Vice President General Counsel | ||
| Harold Riley, Founder, Chairman, CEO and Member of Executive Committee | ||
| Constance Weaver, Independent Director | ||
| Jerry Davis, Independent Chairman of the Board | ||
| J Morgan, Director | ||
| Dean Gage, Independent Director | ||
| E Gage, Independent Director | ||
| Cindy Davis, Director | ||
| Jon Stenberg, President | ||
| Dottie Riley, VP of Employee Relations and Director | ||
| Terry Maness, Independent Director | ||
| David CPA, General America | ||
| Sidney Harp, Executive Vice President and Director of Agency - Home Service Division | ||
| Cheri Duncan, Corporate Secretary | ||
| Harvey Waite, Vice President, Chief Actuary | ||
| Sidney II, Executive Agency | ||
| Robert Mauldin, Chief Marketing Officer, Vice President | ||
| Darin Moore, Virtual Chief Information Officer | ||
| Mary Taylor, Director | ||
| Jeffery Conklin, CFO, VP | ||
| Bryon Lewis, Vice Operations | ||
| Rick Riley, Chairman and CEO | ||
| Christopher Claus, Independent Director |
Citizens Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Citizens a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.16 | ||||
| Return On Asset | 0.01 | ||||
| Profit Margin | 0.10 % | ||||
| Operating Margin | 0.13 % | ||||
| Current Valuation | 81.72 M | ||||
| Shares Outstanding | 49.57 M | ||||
| Shares Owned By Insiders | 9.79 % | ||||
| Shares Owned By Institutions | 14.03 % | ||||
| Number Of Shares Shorted | 4.12 M | ||||
| Price To Earning | 4.88 X |
Pair Trading with Citizens
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Citizens position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Citizens will appreciate offsetting losses from the drop in the long position's value.Moving together with Citizens Stock
| 0.67 | FG | FG Annuities Life Financial Report 1st of May 2024 | PairCorr |
| 0.64 | GL | Globe Life Trending | PairCorr |
Moving against Citizens Stock
| 0.93 | JXN | Jackson Financial Financial Report 14th of May 2024 | PairCorr |
| 0.75 | AEL | American Equity Inve Financial Report 13th of May 2024 | PairCorr |
| 0.72 | MET | MetLife Financial Report 1st of May 2024 | PairCorr |
| 0.68 | MET-PA | MetLife Preferred Stock | PairCorr |
| 0.57 | LNC | Lincoln National Financial Report 14th of May 2024 | PairCorr |
The ability to find closely correlated positions to Citizens could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Citizens when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Citizens - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Citizens to buy it.
The correlation of Citizens is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Citizens moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Citizens moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Citizens can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in gross domestic product. For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
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.