secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS, INC. (CIA)
CIK:        0000024090
Form:       8-K
Filed at:   2025-11-07T23:59:59+00:00
Accession:  0000024090-25-000126
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 5.02
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/24090/000002409025000126/0000024090-25-000126-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/24090/000002409025000126/cia-20251106.htm
  HTML page:      https://secwatch.observer/filing/0000024090-25-000126

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer