{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-25-000062","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.858332+00:00","generated_at":"2026-05-22T05:50:49.207951+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Citizens reports Q1 net loss of $1.6M; direct premiums up 49% YoY","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-25-000062","json":"https://secwatch.observer/filing/0000024090-25-000062.json","markdown":"https://secwatch.observer/filing/0000024090-25-000062.md","text":"https://secwatch.observer/filing/0000024090-25-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409025000062/0000024090-25-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409025000062/cia-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T05:50:49.207951+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"}