---
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"
generated_at: "2026-05-22T05:50:49.207951+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Citizens reports Q1 net loss of $1.6M; direct premiums up 49% YoY

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-25-000062
- JSON: https://secwatch.observer/filing/0000024090-25-000062.json
- Plain text: https://secwatch.observer/filing/0000024090-25-000062.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.