{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-24-000142","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2024-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.444279+00:00","generated_at":"2026-05-31T12:43:57.771426+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Q2 net income $4.0M ($0.08/share) on 6% revenue growth; insurance issued record $295.2M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-24-000142","json":"https://secwatch.observer/filing/0000024090-24-000142.json","markdown":"https://secwatch.observer/filing/0000024090-24-000142.md","text":"https://secwatch.observer/filing/0000024090-24-000142.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409024000142/0000024090-24-000142-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409024000142/cia-20240806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T12:43:57.771426+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}