{"filings":[{"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}],"next_cursor":null}