---
schema_version: "secwatch.filing_event.v1"
accession: "0000024090-25-000126"
form_type: "8-K"
ticker: "CIA"
cik: "0000024090"
company_name: "CITIZENS, INC."
filed_at: "2025-11-07T23:59:59+00:00"
generated_at: "2026-05-16T23:13:12.973267+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Q3 adj EPS $0.07 (+70% YoY); record in-force $5.38B; adds board member

## Summary
- 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.

## SEC filing metadata
- accession: 0000024090-25-000126
- form_type: 8-K
- ticker: CIA
- cik: 0000024090
- company_name: CITIZENS, INC.
- filed_at: 2025-11-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 5.02
- EDGAR index: https://www.sec.gov/Archives/edgar/data/24090/000002409025000126/0000024090-25-000126-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/24090/000002409025000126/cia-20251106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-25-000126
- JSON: https://secwatch.observer/filing/0000024090-25-000126.json
- Plain text: https://secwatch.observer/filing/0000024090-25-000126.txt

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