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

Risk & Volatility

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

Insider and Institutional Ownership

21.7% of Citizens shares are owned by institutional investors. 67.3% of UTG shares are owned by insiders. Comparatively, 0.1% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings and Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
UTG $28.73 million 3.65 $4.81 million N/A N/A
Citizens $252.62 million 1.54 -$38.12 million N/A N/A

UTG has higher earnings, but lower revenue than Citizens.

Profitability

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

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for UTG and Citizens, as provided by MarketBeat.com.

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

Summary

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

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.

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.

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