{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-26-000042","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2026-08-06T20:07:23+00:00","discovered_at":"2026-08-06T20:09:00.255357+00:00","generated_at":"2026-08-06T20:10:05.803700+00:00","sec_items":["2.02"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Inc. swings to Q2 net loss of $0.4M; premiums grow 4% to $48.1M","bullets":["Net loss of $0.4M ($0.01 diluted loss per share) vs net income of $6.5M ($0.13 EPS) in Q2 2025.","Total revenues $60.4M, down 7% from $65.1M; adjusted revenues $61.9M vs $62.7M.","Direct insurance premiums $48.1M, up 4% from $46.4M; 15th consecutive quarter of direct first year premium growth.","Book value per Class A share $4.64, up from $4.56; adjusted book value $6.44 vs $6.22.","No debt; cash $17M; positive operating cash flow $1.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-26-000042","json":"https://secwatch.observer/filing/0000024090-26-000042.json","markdown":"https://secwatch.observer/filing/0000024090-26-000042.md","text":"https://secwatch.observer/filing/0000024090-26-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409026000042/0000024090-26-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409026000042/cia-20260806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-06T20:10:05.803700+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"}