{"filings":[{"id":2105890,"accession_number":"0000024090-26-000042","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2026-08-06T20:07:23+00:00","items":["2.02"],"status":"ready","headline":"Citizens Inc. swings to Q2 net loss of $0.4M; premiums grow 4% to $48.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $0.4M ($0.01 diluted loss per share) vs net income of $6.5M ($0.13 EPS) in Q2 2025.","Total revenues $60.4M, down 7% from $65.1M; adjusted revenues $61.9M vs $62.7M.","Direct insurance premiums $48.1M, up 4% from $46.4M; 15th consecutive quarter of direct first year premium growth.","Book value per Class A share $4.64, up from $4.56; adjusted book value $6.44 vs $6.22.","No debt; cash $17M; positive operating cash flow $1.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1123716,"accession_number":"0000024090-26-000036","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2026-06-18T14:01:21+00:00","items":["5.07"],"status":"ready","headline":"Citizens, Inc. announces 2026 annual meeting voting results; all proposals approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 7 director nominees elected with 8.7M-8.8M votes for each; broker non-votes 1.64M.","Ratification of Grant Thornton as auditor for 2026 passed with 99.7% of votes cast.","Non-binding advisory say-on-pay approved with 99% of votes cast.","Amended and restated Omnibus Incentive Plan approved with 98% of votes cast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":97823,"accession_number":"0000024090-26-000026","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02"],"status":"ready","headline":"Citizens Inc Q1 revenue $59.7M (+7% YoY); net income turns to $2.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $59.7M, up 7% from $55.7M; net income $2.3M vs $1.6M loss year ago.","Adjusted net income $1.3M ($0.03 diluted share) vs $1.0M ($0.02) YoY; adjusted revenue $58.7M.","Book value per Class A share $4.74, up 8% from $4.37; adjusted book value $6.48.","First year premiums grew YoY for 14 consecutive quarters; no debt and cash $18.5M.","Management expects full-year 2026 revenue and profit growth; recurring revenue base scaling."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":59720000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112954,"accession_number":"0000024090-26-000010","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2026-03-12T23:59:59+00:00","items":["2.02"],"status":"ready","headline":"Citizens, Inc. reports record full-year 2025 revenue of $255.6M; Q4 revenue $72.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year revenue $255.6M (up 4% YoY); Q4 record $72.1M (up 14% YoY).","Income before tax $17.5M in 2025, up from $15.0M in 2024; Q4 income $7.9M vs $3.7M.","Adjusted income before tax $17.3M for full year 2025, down from $21.3M in 2024.","Book value per Class A share $4.67 (up 11% YoY); adjusted book value $6.43 (up 5% YoY).","Producing agents up 22% YoY; total direct insurance in force $5.43B (up 3.9%)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":112953,"accession_number":"0000024090-26-000005","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CEO Jon Stenberg receives compensation increase: base to $600k, bonus targets raised","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Base salary increased from $500,000 to $600,000 effective April 1, 2026.","Short-term incentive target raised from $400,000 to $480,000 for 2026.","Long-term incentive target raised from $450,000 to $540,000 for 2026.","Board approved amendment to align with market data for retention and motivation.","All other terms of the employment agreement remain unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":129354,"accession_number":"0000024090-25-000126","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["2.02","5.02"],"status":"ready","headline":"Citizens Q3 adj EPS $0.07 (+70% YoY); record in-force $5.38B; adds board member","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 adj net income $3.4M ($0.07/diluted Class A) vs $2.0M ($0.04) YoY, +70%.","Total revenues $62.8M; adj total revenues $64.1M (+5% YoY); no debt, cash $23.1M.","Record total direct insurance in force $5.38B (+3.7% YoY); producing agents up 19% YoY.","Book value per Class A share $4.49 (+8% YoY); adj book value $6.26 (+3% YoY).","Board elected Michael Harwood, former AIG Life Chief Actuary, as independent director."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":183546000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":145925,"accession_number":"0000024090-25-000116","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q2 net income rises to $6.5M ($0.13/diluted Class A) on revenue of $65.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $65.1M in Q2 2025, up from $62.1M in Q2 2024; net income $6.5M vs $4.0M.","Record total direct insurance in force of $5.35B, up 4.4% YoY; first year premiums up 20%.","Producing agents up 53% since June 30, 2024; book value per Class A share $4.56, up 18%.","Adjusted after-tax operating income of $4.2M ($0.08/diluted) vs $8.6M ($0.17) year ago.","Company expects revenue and profit growth for full year 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":120738000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164213,"accession_number":"0000024090-25-000096","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-06-20T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens, Inc. shareholders elect all eight director nominees at June 17 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees elected; Peter M. Carlson received 3,433,773 For, 17,525 Against, 26,626 Abstain.","Ratification of Grant Thornton LLP as independent auditor approved: 6,463,428 For (97%), 169,367 Against (2.5%).","Advisory vote on executive compensation passed: 2,796,164 For (80%), 465,160 Against (13%), 216,599 Abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164212,"accession_number":"0000024090-25-000062","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens reports Q1 net loss of $1.6M; direct premiums up 49% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $55.7M (-$2.0M YoY); adjusted revenues $58.5M (+$1.8M YoY).","Net loss $1.6M ($0.03 diluted loss) vs net income $4.5M ($0.09 diluted) in Q1 2024.","Direct first-year life & A&H premiums soared 49% YoY; producing agents up 50% to record.","Book value per Class A share $4.37 (+11% YoY); adjusted book value $6.12 (+3% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":55652000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164211,"accession_number":"0000024090-25-000048","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-04-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens, Inc. director and former CEO Gerald W. Shields resigns from board effective April 15, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gerald W. Shields, former CEO and only non-independent director, submitted conditional resignation on April 2, 2025.","Board accepted resignation on April 9, 2025; effective date set as April 15, 2025.","Shields does not serve on any standing committees; resignation not due to disagreement with the Company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":181994,"accession_number":"0000024090-25-000017","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2025-03-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens FY2024 revenue $245M (+2%), net income $14.9M; insurance issued jumps 54% to $1.1B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2024 total revenues $245.0M vs $240.7M in 2023; adjusted revenues $247.6M vs $239.9M.","Net income $14.9M ($0.29/diluted share) vs $24.4M ($0.48) in 2023; adjusted income before tax $21.3M vs $26.6M.","Insurance issued $1.1B in 2024 (+54%); record total direct insurance in force $5.2B.","Direct first year life & A&H premiums up 70% in FY2024 and 84% in Q4; ninth consecutive quarterly growth.","Book value per Class A share $4.21 (+21%); ex-AOCI $6.14 (+5%). No debt; cash from ops $31.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198653,"accession_number":"0000024090-24-000173","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens, Inc. Q3 net income $0.05/share; insurance issued up 75% to record $307.6M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record insurance issued $307.6M in Q3 2024, up 75% YoY; total direct force $5.2B.","Total revenues $61.7M (+4% YoY); direct first year premiums up 70%; agents up 86% since Dec 2023.","Net income $2.8M ($0.05/diluted share) flat YoY; adjusted income before tax $2.2M vs $5.7M.","Cash from operations $9.7M; cash $32.4M, no debt; book value per share $4.16 (+35% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":181527000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214681,"accession_number":"0000024090-24-000142","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q2 net income $4.0M ($0.08/share) on 6% revenue growth; insurance issued record $295.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $62.1M (+6% YoY); net income $4.0M ($0.08 EPS) vs $6.1M ($0.12) in Q2 2023.","Insurance issued record $295.2M (+86% YoY); direct first year premiums up 85% for seventh consecutive quarter.","Adjusted income before tax $7.1M (vs $6.4M); GAAP income before tax $3.3M due to $3.5M legal fee accrual in trade secret lawsuit.","Cash $26.3M, no debt; book value per Class A share $3.85 (+30% YoY).","Producing agents up 45% since Dec 2023; management expects sales growth in 2024 leading to profit growth in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":119796000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":214680,"accession_number":"0000024090-24-000127","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-07-08T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Citizens appoints Jon Stenberg CEO; Shields stays Vice Chairman; Q1 insurance issued up 61%","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jon Stenberg, President since March 2024, adds CEO role effective July 1, 2024.","Gerald Shields, CEO since 2020, remains Vice Chairman of the Board.","Q1 2024 insurance issued rose 61% YoY to $274.5M; insurance in force over $5B.","AM Best initiated financial strength rating on CICA Life Insurance in 2023.","Company expects continued 2024 sales growth leading to strong 2025 profit growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":233811,"accession_number":"0000024090-24-000109","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-06-20T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders elect all director nominees, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All seven director nominees elected; broker non-votes of 3,177,105 on each.","Ratification of Grant Thornton LLP as independent auditor approved with 8,540,815 votes (98% for).","Advisory say-on-pay resolution passed with 4,983,332 votes (90% for).","Annual meeting held June 18, 2024; results filed under Item 5.07."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":233810,"accession_number":"0000024090-24-000089","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["1.01","2.02","2.03","9.01"],"status":"ready","headline":"Citizens Q1 revenue up 3% to $57.7M; insurance issued up 61%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $57.7M (+3% YoY); net income $4.5M ($0.09/share) vs $4.9M ($0.10) a year ago.","First year life & A&H premiums up 42% to $5.9M; insurance issued up 61% to $274.5M (record).","Book value per Class A share $3.94 (+28% YoY); ex-AOCI $5.95 (+10%).","Milestones: target at least 6% growth in first year premiums, 20% agent expansion, 2-3 new products in 2024.","Renewed $20M credit facility with Regions Bank, maturing 2027; no borrowings outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":57712000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251805,"accession_number":"0000024090-24-000036","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-03-18T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Jon Stenberg appointed President of Citizens; named CEO effective July 1, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jon Stenberg appointed President effective March 18, 2024; to become CEO on July 1, 2024, succeeding Gerald Shields.","Stenberg brings 30+ years experience; previously EVP at Symetra Life Insurance and GM at Ameriprise Financial.","Employment agreement: base salary $450k (President) and $500k (CEO); annual bonus target $350k/$400k; LTI target $350k/$450k.","Sign-on RSUs of $300k vesting over 3 years; relocation benefits up to $100k+ grossed up.","Press release highlights no debt, positive net cash from operations since 2004, and AM Best rating for CICA Life."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":251804,"accession_number":"0000024090-24-000030","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2024-03-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens, Inc. Q4 2023 net income $10.7M ($0.21/share) vs $13.7M ($0.27) YoY; full-year revenue up 3.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2023 total revenues $240.7M, up from $232.5M in 2022; Q4 revenue $66.8M vs $67.3M YoY.","First year life & A&H premiums up 4% in Q4, marking 5th consecutive quarterly increase.","Book value per Class A share $3.47, up 36% YoY; ex-AOCI book value $5.85, up 10%.","No debt at Dec 31, 2023; cash $27.0M; positive operating cash flow $22.1M in 2023.","2024 milestones: target ≥6% first-year premium growth, ≥20% agent network expansion, and 2-3 new products."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":269333,"accession_number":"0000024090-23-000115","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-11-15T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens extends CEO Gerald Shields' term to June 30, 2024 as board searches for successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Employment Agreement extended from Dec 31, 2023 to June 30, 2024 to allow CEO search and smooth transition.","Base salary of $400,000 for the 6-month Extended Term.","Eligible for up to $300,000 cash bonus and $125,000 RSUs (based on 2024 pay-for-performance goals).","All unvested RSUs from initial term vest at end of Extended Term; any new RSUs vest March 31, 2025.","Board is actively searching for a successor; Shields will assist transition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":269332,"accession_number":"0000024090-23-000111","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q3 revenue up 6% to $59.4M; net income falls to $2.7M; book value per share up 39%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $59.4M (+6% YoY); first year life and A&H premiums up 15% to $5.2M.","Net income $2.7M ($0.05 diluted EPS) vs $3.4M ($0.06) in Q3 2022; adjusted operating income before taxes $5.7M vs $9.6M.","Book value per Class A share $3.08 (+39% YoY); ex-AOCI $5.63 (+12%).","Cash and equivalents $16.8M, zero debt; $4.6M remaining on $8M share repurchase authorization.","AM Best initiated financial strength and credit ratings on CICA Life Insurance Company of America."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":173831000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286314,"accession_number":"0000024090-23-000099","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-08-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens restates prior financials for LDTI; OCI reduced $316.8M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Recorded $0.1M after-tax charge to retained earnings upon LDTI adoption, primarily from capping net premium ratios.","Pretax OCI decreased $370.3M from remeasuring contract liabilities using current upper-medium grade yields.","Pretax DAC, COIA, and unearned revenue decreased $35.2M in accumulated OCI for removal of cumulative adjustments.","Balance sheet presentation revised: annuity and supplemental contract reserves combined into 'annuities' line item."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286313,"accession_number":"0000024090-23-000092","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens, Inc. Q2 net income rises to $6.1M from $2.5M; revenue up 9% to $58.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.1M ($0.12 EPS) vs $2.5M ($0.05 EPS) YoY; revenue $58.5M up 9% from $53.7M.","First year premiums grew 3% YoY (third consecutive quarter); insurance issued up 22% in H1 2023.","Book value per Class A share $2.96 (+20% YoY); book value ex-AOCI $5.55 (+12%).","Cash $21.2M, no debt; AM Best initiated rating on CICA Life subsidiary.","Adjusted operating income before taxes $6.4M vs $8.5M YoY due to higher growth-related costs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":114441000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306139,"accession_number":"0000024090-23-000086","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-06-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens, Inc. say-on-pay vote: 6.1M shares for annual frequency, company adopts annual vote","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["6,124,970 votes for annual frequency, 582,402 for triennial, 11,472 for biennial.","Broker non-votes were 3,260,350; vote is non-binding, company will continue annual say-on-pay votes.","Annual meeting was adjourned from June 6 to June 20 to allow more time for this proposal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306138,"accession_number":"0000024090-23-000082","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-06-09T23:59:59+00:00","items":["5.05","5.07","8.01"],"status":"ready","headline":"Citizens, Inc. Amends Code of Ethics, Reports Annual Meeting Results and Adjourns Say-on-Pay Vote","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board amended Insider Trading Policy to reduce corporate blackout period from two trading days to 24 hours after public release.","Shareholders elected eight directors: Claus, C. Davis, J. Davis, Keating, Maness, Morgan, Shields, Taylor.","Ratified Grant Thornton LLP as independent auditor for 2023 with 9,944,344.51 votes for.","Advisory vote on executive compensation passed with 6,508,533.51 for, 505,627.76 against.","Adjourned annual meeting set for June 20, 2023 for Proposal 4 (say-on-pay frequency)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306137,"accession_number":"0000024090-23-000064","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-06-06T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Citizens adjourns annual meeting on Say-on-Pay frequency vote to June 20","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders voted on director election, auditor ratification, and advisory Say-on-Pay at June 6 meeting.","Proposal 4 (Say-on-Pay frequency) vote adjourned to June 20, 2023 for additional shareholder consideration.","Voting results for proposals 1-3 expected to be filed via Form 8-K by June 12, 2023.","No other material items reported in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306136,"accession_number":"0000024090-23-000054","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q1 net income falls to $4.9M ($0.10/share) from $6.4M, revenues up 1% to $55.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.9M ($0.10 diluted) vs $6.4M ($0.13) in Q1 2022, down 23%.","Total revenues $55.9M (+1% YoY); first-year premiums +24% to $4.2M.","Book value per Class A share $3.09 (+24% YoY); adjusted book value $5.41 (+10% YoY).","Adjusted operating income $7.0M vs $7.8M in Q1 2022.","Entered two new white-label distribution partnerships during Q1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":55914000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":325331,"accession_number":"0000024090-23-000030","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2023-03-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens reports FY2022 net loss $6.6M; operating income up $8.3M ex one-time items","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2022 net loss $6.6M ($0.13 diluted EPS) vs FY2021 net gain $36.8M ($0.73 diluted EPS); Q4 net income $3.4M ($0.07 EPS).","Operating income excluding one-time items and investment losses increased $8.3M in 2022.","Life insurance issued +64% and policies issued +18% in FY2022; first year premiums in Life +4%, overall -1%.","Net investment income $65.4M in 2022, up from $61.5M; average pre-tax yield 4.40% vs 4.24%.","Book value per share incl. AOCI dropped to $0.02 from $6.41; adjusted book value $3.94 from $4.06."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":343100,"accession_number":"0000024090-22-000103","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q3 net loss $5.1M ($0.10/sh); adj op income $0.2M vs loss $4.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $5.1M ($0.10 per share) vs net loss of $2.8M ($0.06) in Q3 2021.","Adjusted operating income of $0.2M vs adjusted operating loss of $4.9M in prior year.","Total premium revenue $43.9M, up 1% YoY; insurance issued up 78% to $189.8M.","Claims and surrenders down 3.4% YoY; death claims down 37% due to lower COVID-19 deaths.","Investment related losses $5.0M driven by fair value changes; book value ($0.28) per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":165267000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":359653,"accession_number":"0000024090-22-000088","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q2 net loss $3.5M ($0.07/sh) vs prior-year net income $5.0M; adj operating income $1.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $3.5M vs net income of $5.0M YoY; adjusted operating income improved to $1.4M from $0.7M.","Insurance issued up 51% to $171.1M; new products drove 29% and 16% increases in issued applications in Life and Home Service segments.","Total claims and surrenders benefits declined 8% YoY, with death claims down 10% and surrenders down 14%.","General expenses decreased $1.1M or 10% YoY, driven by lower self-insured health benefit costs.","Book value per share excluding AOCI rose 19% to $3.97; investment portfolio pre-tax yield improved to 4.25%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":109091000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378451,"accession_number":"0000024090-22-000078","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens, Inc. announces annual meeting results; all director nominees elected, auditor ratified, say-on-pay approved.","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees elected with majority support; broker non-votes of 3,078,265 shares.","Ratification of Grant Thornton LLP as independent auditor for 2022: For 10,474,513, Against 6,746, Abstain 30,693.","Advisory vote on executive compensation approved: For 7,249,687, Against 149,620, Abstain 34,379, Broker non-votes 3,078,265.","Proposal to authorize proxy to vote on other business passed despite 7,019,709 against vs 3,431,920 for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378450,"accession_number":"0000024090-22-000042","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-05-10T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Citizens, Inc. authorizes $8 million share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $8M repurchase of Class A common stock; no set termination date.","CEO cites confidence in strategic direction and operational improvements; Q1 premiums increased for second consecutive quarter.","Repurchases may be made via open market, private transactions, or 10b5-1 plans; funded from existing cash."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":378449,"accession_number":"0000024090-22-000039","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q1 2022 net loss narrows to $1.3M; renewal premiums up 2% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $1.3M ($0.03 diluted) vs $3.6M loss ($0.07) in Q1 2021.","Total premium revenue $39.4M (+1% YoY); renewal premiums $36M (+2%).","Claims & surrenders down 7% YoY; death claims down 22% ($1.9M).","Book value $3.91 per share; total assets $1.7B, no debt.","Home Service Insurance segment premium up 4% YoY; average policy face value up 44%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":55357000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":396719,"accession_number":"0000024090-22-000007","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2022-03-14T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens reports Q4 2021 net income $38.1M vs $1.5M YoY; updates governance guidelines","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2021 net income $38.1M ($0.77/diluted share) vs $1.5M in Q4 2020; full year net income $36.8M vs $11.0M loss.","Q4 included release of $43.8M uncertain tax position and $12.6M goodwill impairment; pre-tax net loss $6.8M vs $2.3M prior year.","Renewal premiums up 4% to $44.7M, first year premiums $4.7M (down 11% YoY); claims/surrenders down 17%.","Book value per class A share $6.41, up 20% QoQ and 8% YoY; total assets $1.9B, no debt.","Board adopted director ownership guidelines (2.5x retainer), director resignation policy, mandatory retirement at 75 (grandfathered to 80), 12-year term limit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":415678,"accession_number":"0000024090-21-000083","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2021-12-21T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Citizens appoints Gerald W. Shields as permanent CEO effective Jan 1, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Gerald Shields named CEO; had served as interim CEO since Aug 2020 and on board since 2017.","Employment agreement: base salary $775k, annual short-term bonus up to $600k, LTI up to $250k.","Shields will remain Vice Chairman of the Board.","Relocation payment of $15,000; term initially 2 years with auto-renew."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":415677,"accession_number":"0000024090-21-000065","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2021-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens Q3 net loss $0.06/sh, revenue up 3%; hurricane Ida and COVID-19 delta hit results","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss per share $(0.06) improved $0.10 YoY; revenue $61.6M (+3%) on higher realized gains.","Total premiums down 2% due to property reinsurance for Hurricane Ida; claims up 83% in Home Service segment.","Life insurance segment first year premiums up 36%; policies issued up 19% to 1,000+ policies.","Home Service segment total premiums down 6%; first year premiums up 16% despite Hurricane Ida disruptions.","General expenses down 46% to $10.5M driven by lower change-in-control costs vs. prior year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":180625000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433303,"accession_number":"0000024090-21-000057","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2021-09-13T23:59:59+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"Citizens, Inc. approves up to $700k short-term incentive bonus for interim CEO Shields","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved STI opportunity up to $700k for Gerald W. Shields, interim CEO since Aug 2020.","Previously Shields' consulting agreement only provided base salary; amendment adds short-term cash incentive.","Earn-out based on 2021 milestones approved by board; may be pro-rated if new CEO appointed before Dec 31, 2021.","Move aligns with pay-for-performance philosophy and recognizes Shields' tenure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433302,"accession_number":"0000024090-21-000054","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2021-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Citizens reports Q2 2021 EPS of $0.10, up from $(0.02) loss YoY; revenue up 9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $5.0M vs $(1.0M) loss a year ago; EPS of $0.10 per Class A share.","Total revenue $63.6M (+9% YoY) driven by $3M higher realized gains and 3% premium growth.","First-year premiums up 53% (Life +71%, Home +30%); policies issued up 82% overall.","Home Services introduces new digital whole life product Security Plan Plus.","Death claims in Life segment up 49% including COVID-19 claims; surrenders up 28%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":119041000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433301,"accession_number":"0000024090-21-000044","cik":24090,"company_name":"CITIZENS, INC.","ticker":"CIA","form_type":"8-K","filed_at":"2021-08-02T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Citizens appoints three new board members with insurance, legal, and regulatory backgrounds","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Cindy Davis, J. Keith Morgan, Mary Taylor elected to Board effective Aug 1, 2021; each granted $8,750 pro-rata RSU.","Ms. Davis brings 30+ years underwriting experience; currently AVP at NFP/Partners Financial.","Mr. Morgan is former Chief Legal Officer & SEVP at TIAA; also former GE general counsel.","Ms. Taylor is former Ohio Lt. Governor and Insurance Director; CPA with tax expertise.","Committee assignments: Taylor to Audit, Morgan to Investment, Davis to Nominating & Governance (eff. Aug 5)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":261361913.78260872,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}