---
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"
generated_at: "2026-08-06T20:10:05.803700+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Citizens Inc. swings to Q2 net loss of $0.4M; premiums grow 4% to $48.1M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-26-000042
- JSON: https://secwatch.observer/filing/0000024090-26-000042.json
- Plain text: https://secwatch.observer/filing/0000024090-26-000042.txt

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