Every 8-K that Citizens, Inc. (CIA) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow CIA and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CIA filings page.
Citizens, Inc. reported weaker results for the quarter ended June 30, 2026. Total revenues were $60.4 million, down from $65.1 million a year earlier. The company recorded a $0.4 million net loss versus $6.5 million net income in Q2 2025, while adjusted net income declined to $0.8 million from $4.2 million. Results were pressured by a $3.9 million swing in investment-related gains (losses) and a $7.7 million increase in future policy benefit reserves, partially offset by a $6.5 million decrease in claims and surrenders as matured endowments declined.
Despite the earnings decline, operating trends showed continued premium and book value growth. Direct insurance premiums rose to $48.1 million from $46.4 million, marking the fifteenth consecutive quarter of year-over-year direct first year premium gains, and direct renewal premiums also increased. Book value per Class A share was $4.64 on June 30, 2026, up from $4.56, while adjusted book value per share excluding AOCI increased to $6.44 from $6.22, the fourteenth straight quarter of year-over-year growth. Citizens reported total assets of $1.8 billion, an investment portfolio carrying value of $1.4 billion, cash and cash equivalents of $17.0 million, no debt, and $1.7 million net cash provided by operating activities in Q2 2026.
Citizens, Inc. reported the results of its 2026 Annual Meeting of Shareholders. All seven director nominees were elected with strong support, each receiving more than 8.7 million votes in favor and substantial broker non-votes reported.
Shareholders also ratified Grant Thornton LLP as independent registered public accounting firm for 2026 with 10,492,944 votes for, representing 99.7% of votes cast. In advisory voting, executive compensation received 99% support with 8,766,665 votes for, while the amended and restated Omnibus Incentive Plan was approved with 98% support and 8,700,635 votes for.
Citizens, Inc. reported stronger results for Q1 2026, with total revenues of $59.7 million, up 7% from $55.7 million a year earlier, and adjusted total revenues of $58.7 million.
The company earned net income of $2.3 million, or $0.04 per diluted Class A share, compared with a $1.6 million loss, or $(0.03) per share, in Q1 2025. Adjusted net income rose to $1.3 million, or $0.03 per diluted share, from $1.0 million, or $0.02 per share.
Total assets were $1.7 billion and stockholders’ equity $238.7 million at March 31, 2026, with book value per Class A share increasing to $4.74 and adjusted book value (excluding AOCI) to $6.48. Citizens reported no debt and cash and cash equivalents of $18.5 million.
Citizens, Inc. reported record 2025 revenue and higher book value while adjusted earnings declined. Full-year total revenues reached $255.6 million, up from $245.0 million, with a record fourth-quarter revenue of $72.1 million versus $63.5 million a year earlier. Net investment income grew and the investment portfolio’s average pre-tax yield improved to 4.67%.
Full-year income before federal income tax rose to $17.5 million from $15.0 million, but adjusted income before federal income tax fell to $17.3 million from $21.3 million as prior-year results benefited from items not repeated. Net income was $14.6 million, slightly below $14.9 million in 2024, and adjusted net income declined to $14.2 million from $22.0 million. Book value per Class A share increased to $4.67, with adjusted book value per share rising to $6.43. The company reported $5.43 billion of total direct insurance in force, direct insurance premiums of $188.8 million, positive operating cash flow of $18.0 million, and no debt at year-end 2025, supported by a 22% increase in producing agents and continued growth in first year premiums.
Citizens, Inc. updated the compensation terms for its Chief Executive Officer, Jon Stenberg. The Board approved an amendment to his Executive Employment Agreement to better align pay with peer and market data for retention and motivation purposes.
Effective April 1, 2026, Mr. Stenberg’s base salary increases from $500,000 to $600,000. His target short-term incentive (annual bonus opportunity) beginning in 2026 rises from $400,000 to $480,000, and his target long-term incentive increases from $450,000 to $540,000. All other terms of his employment agreement remain in effect.
Citizens, Inc. (NYSE: CIA) filed an 8-K announcing it issued a press release covering financial results for the three and nine months ended September 30, 2025. The release is furnished as Exhibit 99.1 under Item 2.02.
The Board also elected Michael Harwood as an independent director to fill a vacancy, effective November 6, 2025. Harwood is a seasoned life insurance actuarial executive, with prior roles as Senior VP and Chief Actuary at AIG Life & Retirement and MetLife, including leadership on the Corebridge Financial spin-off and major governance and integration initiatives. The company states there are no arrangements pursuant to which he was named and no related-party interests requiring disclosure under Item 404(a) of Regulation S-K.
Citizens (NYSE:CIA) filed an 8-K reporting the final voting results of its 2025 Annual Meeting held on June 17, 2025.
Shareholders elected all eight director nominees, with votes “FOR” ranging from 2.86 million to 3.43 million. Grant Thornton LLP was ratified as independent auditor with 6.46 million votes (97%) in favor. The non-binding Say-On-Pay proposal passed with 80% support. No additional proposals or material matters were presented, and the filing contains no new financial, strategic, or risk disclosures.