secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS, INC. (CIA)
CIK:        0000024090
Form:       8-K
Filed at:   2026-03-12T23:59:59+00:00
Accession:  0000024090-26-000010
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02
LLM model:  deepseek-v4-flash:cloud@v2

Citizens, Inc. reports record full-year 2025 revenue of $255.6M; Q4 revenue $72.1M
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- Full year revenue $255.6M (up 4% YoY); Q4 record $72.1M (up 14% YoY).
- Income before tax $17.5M in 2025, up from $15.0M in 2024; Q4 income $7.9M vs $3.7M.
- Adjusted income before tax $17.3M for full year 2025, down from $21.3M in 2024.
- Book value per Class A share $4.67 (up 11% YoY); adjusted book value $6.43 (up 5% YoY).
- Producing agents up 22% YoY; total direct insurance in force $5.43B (up 3.9%).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/24090/000002409026000010/0000024090-26-000010-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/24090/000002409026000010/cia-20260312.htm
  HTML page:      https://secwatch.observer/filing/0000024090-26-000010

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