STOCK TITAN

Citizens (NYSE: CIA) COO gains RSUs and settles tax via shares

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Citizens, Inc. Chief Operations Officer Lewis Bryon Matthew reported routine equity compensation activity tied to restricted stock units. On March 31, 2026, he exercised 2,197 RSUs into an equal number of Class A common shares at an exercise price of $0.00 per share, and 516 shares were withheld at $5.03 per share to cover tax obligations.

He also received a new award of 5,964 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. After these transactions, he directly holds 21,477.8062 Class A common shares and maintains unexercised RSUs representing 9,888 underlying Class A shares across multiple prior grants that vest in equal annual installments on specified future anniversaries.

Positive

  • None.

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Insider Lewis Bryon Matthew
Role Chief Operations Officer
Type Security Shares Price Value
Exercise Restricted Stock Units 2,197 $0.00 --
Grant/Award Restricted Stock Units 5,964 $0.00 --
Exercise Citizens, Inc. Class A Common Stock 2,197 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 516 $5.03 $3K
holding Restricted Stock Units -- -- --
holding Restricted Stock Units -- -- --
holding Restricted Stock Units -- -- --
Holdings After Transaction: Restricted Stock Units — 4,396 shares (Direct); Citizens, Inc. Class A Common Stock — 21,993.806 shares (Direct)
Footnotes (1)
  1. On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028). Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock. On March 31, 2026, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2027) an dthe second anniversary of the date of the grant (March 31, 2028) and the third anniversary of the date of the grant (March 31, 2029). On August 15, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (August 15, 2024) and the second anniversary date of the grant (August 15, 2025) and the third anniversary date of the grant (August 15, 2026) On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027). On March 28, 2024, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
RSUs exercised 2,197 units Converted to Class A common stock on March 31, 2026
New RSU grant 5,964 units 2026 long-term incentive award granted March 31, 2026
Shares withheld for tax 516 shares at $5.03 Tax-withholding disposition on March 31, 2026
Common shares held 21,477.8062 shares Direct Class A holdings after transactions
Remaining RSU underlying shares 9,888 shares Unexercised RSUs for Class A common stock
Exercise price of RSUs $0.00 per unit All RSU awards shown carry a zero exercise price
Restricted Stock Units financial
"On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
Omnibus Incentive Plan financial
"RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive"
An omnibus incentive plan is a single, flexible program a company uses to give employees and executives different types of pay tied to performance — for example stock options, restricted shares, cash bonuses and other awards — all governed by one set of rules. It matters to investors because it determines how many new shares may be created, how leaders are motivated and how much the company will spend on compensation over time; think of it as a master toolbox that affects both costs and the total share supply.
pay-for-performance financial
"RSUs under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance"
tax-withholding disposition financial
"Payment of exercise price or tax liability by delivering securities"
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
long-term incentive financial
"RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive"
Long-term incentive is a form of pay awarded to executives and key employees that vests over several years and is tied to company performance, often paid in stock or stock-linked awards. It matters to investors because it shapes management’s motivation and risk-taking, can dilute existing shares, and affects future cash flow and company governance—think of it as a multi-year performance bonus that aligns leaders’ rewards with shareholder returns.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Lewis Bryon Matthew

(Last)(First)(Middle)
11815 ALTERRA PARKWAY, SUITE 1500

(Street)
AUSTIN TEXAS 78758

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
CITIZENS, INC. [ CIA ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Operations Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
03/31/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Citizens, Inc. Class A Common Stock03/31/2026M2,197A(1)21,993.8062D
Citizens, Inc. Class A Common Stock03/31/2026F516D$5.0321,477.8062D
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(2)03/31/2026M2,197 (1) (1)Class A Common Stock2,197$04,396D
Restricted Stock Units(2)03/31/2026A5,964 (3) (3)Class A Common Stock5,964$05,964D
Restricted Stock Units(2) (4) (4)Class A Common Stock2,6262,626D
Restricted Stock Units(2) (5) (5)Class A Common Stock2,5892,589D
Restricted Stock Units(2) (6) (6)Class A Common Stock4,6734,673D
Explanation of Responses:
1. On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
2. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
3. On March 31, 2026, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2027) an dthe second anniversary of the date of the grant (March 31, 2028) and the third anniversary of the date of the grant (March 31, 2029).
4. On August 15, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (August 15, 2024) and the second anniversary date of the grant (August 15, 2025) and the third anniversary date of the grant (August 15, 2026)
5. On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
6. On March 28, 2024, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
Remarks:
/s/Bryon Matthew Lewis04/02/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What equity transactions did Citizens (CIA) COO report on March 31, 2026?

The COO exercised vested RSUs, received a new RSU grant, and had shares withheld for taxes. He converted 2,197 RSUs into Class A common shares, received 5,964 new RSUs, and 516 shares were withheld at $5.03 each to satisfy tax obligations.

How many Citizens (CIA) shares does the COO hold after these Form 4 transactions?

After the reported transactions, the COO directly holds 21,477.8062 Citizens Class A common shares. This figure reflects the net shares following the RSU exercise of 2,197 shares and the tax-withholding disposition of 516 shares on March 31, 2026.

What new RSU award did Citizens (CIA) grant its COO for 2026?

The COO received 5,964 restricted stock units as a 2026 long-term incentive award. These RSUs were granted under the Citizens, Inc. Omnibus Incentive Plan and are scheduled to vest in three equal annual installments beginning March 31, 2027 and continuing through March 31, 2029.

How many unvested or unexercised RSUs does the Citizens (CIA) COO retain?

The COO retains RSUs representing 9,888 underlying Citizens Class A shares. These positions are spread across several grants with a $0.00 exercise price and vest over multiple years under the Omnibus Incentive Plan, based on earlier-award schedules described in the footnotes.

Was the Citizens (CIA) COO’s Form 4 transaction an open-market sale of shares?

No, the disposition reported was a tax-withholding event, not an open-market sale. The Form 4 shows code F for 516 shares at $5.03 each, indicating shares were delivered to cover tax liabilities tied to the RSU exercise.

What do Citizens (CIA) RSUs represent for the COO’s compensation?

Citizens RSUs represent a contingent right to receive one Class A share per unit. Footnotes state they are granted under the Omnibus Incentive Plan as long-term incentive and pay-for-performance awards, typically vesting in three equal annual installments on specified grant anniversaries.