STOCK TITAN

Citizens, Inc. (NYSE: CIA) COO exercises RSUs and covers taxes with withheld shares

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

Rhea-AI Filing Summary

Citizens, Inc. Chief Operations Officer Lewis Bryon Matthew exercised restricted stock units into Class A common stock and had shares withheld to cover taxes. On March 28, 2026, he converted 7,260 restricted stock units into the same number of Class A shares at an exercise price of $0.00 per share.

To satisfy tax obligations, 2,143 Class A shares were disposed of at $4.58 per share through tax-withholding transactions, which are not open-market sales. After these transactions, he directly held 19,796.8062 Class A shares. He also retained unexercised restricted stock units tied to 2,626 and 6,593 underlying Class A shares, which will vest over future dates under Citizens, Inc. Omnibus Incentive Plan awards.

Positive

  • None.

Negative

  • None.
Insider Lewis Bryon Matthew
Role Chief Operations Officer
Type Security Shares Price Value
Exercise Restricted Stock Units 2,587 $0.00 --
Exercise Restricted Stock Units 4,673 $0.00 --
Exercise Citizens, Inc. Class A Common Stock 2,587 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 764 $4.58 $3K
Exercise Citizens, Inc. Class A Common Stock 4,673 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 1,379 $4.58 $6K
holding Restricted Stock Units -- -- --
holding Restricted Stock Units -- -- --
Holdings After Transaction: Restricted Stock Units — 2,589 shares (Direct); Citizens, Inc. Class A Common Stock — 17,266.806 shares (Direct)
Footnotes (1)
  1. 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). Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock. 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 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).
RSUs exercised 7,260 shares Restricted stock units converted to Class A common stock on March 28, 2026
Tax-withholding shares 2,143 shares at $4.58 Shares delivered to satisfy tax liabilities on March 28, 2026
Post-transaction holdings 19,796.8062 shares CIA Class A common stock directly held after reported transactions
Remaining RSUs grant 1 2,626 underlying shares Restricted stock units with 2,626 underlying CIA Class A shares, exercise price $0.00
Remaining RSUs grant 2 6,593 underlying shares Restricted stock units with 6,593 underlying CIA Class A shares, exercise price $0.00
Tax-withholding count 2 transactions Recorded under transaction code F for tax liabilities
Restricted Stock Units financial
"On March 28, 2024, the reporting person was granted an award of restricted stock units (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
"granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance"
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.
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.
derivative exercise/conversion financial
"transaction_action: derivative exercise/conversion"
Class A common stock financial
"Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock."
Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.
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)
03/28/2026
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 Stock03/28/2026M2,587A(1)17,266.8062D
Citizens, Inc. Class A Common Stock03/28/2026F764D$4.5816,502.8062D
Citizens, Inc. Class A Common Stock03/28/2026M4,673A(2)21,175.8062D
Citizens, Inc. Class A Common Stock03/28/2026F1,379D$4.5819,796.8062D
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(3)03/28/2026M2,587 (1) (1)Class A Common Stock2,587$02,589D
Restricted Stock Units(3)03/28/2026M4,673 (2) (2)Class A Common Stock4,673$04,673D
Restricted Stock Units(3) (4) (4)Class A Common Stock2,6262,626D
Restricted Stock Units(3) (5) (5)Class A Common Stock6,5936,593D
Explanation of Responses:
1. 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).
2. 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).
3. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
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 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).
Remarks:
/s/Bryon Matthew Lewis03/31/2026
** 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 did CIA executive Lewis Bryon Matthew do in this Form 4 filing?

Lewis Bryon Matthew, Chief Operations Officer of CIA, exercised restricted stock units into Class A common stock and had some shares withheld for taxes. These actions reflect routine equity compensation settlement rather than open-market buying or selling activity.

How many Citizens, Inc. RSUs did the COO convert into CIA Class A shares?

He exercised restricted stock units representing 7,260 underlying CIA Class A common shares. Each restricted stock unit represents a contingent right to receive one share, so this conversion increased his direct share ownership as part of scheduled vesting under the company’s Omnibus Incentive Plan.

How many CIA shares were withheld for taxes in this transaction?

A total of 2,143 CIA Class A common shares were withheld at $4.58 per share to cover tax liabilities. This tax-withholding disposition is recorded under transaction code F and does not represent an open-market sale decision by the executive.

How many CIA Class A shares does the COO hold after these transactions?

Following the March 28, 2026 transactions, Lewis Bryon Matthew directly holds 19,796.8062 CIA Class A common shares. This figure reflects the net position after exercising restricted stock units and the related tax-withholding share dispositions reported in the filing.

What RSU awards and vesting schedule are disclosed for CIA’s COO?

Footnotes describe RSU grants made on August 15, 2023, March 28, 2024, and March 31, 2025 under the Citizens, Inc. Omnibus Incentive Plan. These awards vest in three equal annual installments on the first, second, and third anniversaries of each respective grant date.

Does the CIA Form 4 show remaining unvested or unexercised RSUs for the COO?

Yes. The filing’s derivative holdings section shows remaining restricted stock units tied to 2,626 and 6,593 underlying CIA Class A common shares. These RSUs have an exercise price of $0.00 and will settle into shares as they vest over the stated schedules.