Citizens, Inc. (CIA) — SEC Filings
Citizens, Inc. (CIA) — 17 SEC filings. Latest: ARS (Apr 30, 2026). Includes 6 8-K, 6 10-Q, 2 DEF 14A.
View Citizens, Inc. on SEC EDGAR
Overview
Citizens, Inc. (CIA) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Nov 7, 2025: Citizens, Inc. filed an 8-K on November 7, 2025, reporting on results of operations and financial condition. The filing also disclosed the departure of directors or certain officers, the election of directors, and the appointment of certain officers, along with details on compensatory arrangements f
Sentiment Summary
Across 17 filings, the sentiment breakdown is: 1 bullish, 2 bearish, 14 neutral. The dominant filing sentiment for Citizens, Inc. is neutral.
Filing Type Overview
Citizens, Inc. (CIA) has filed 1 ARS, 6 8-K, 6 10-Q, 2 DEF 14A, 2 10-K with the SEC between Mar 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (17)
Risk Profile
Risk Assessment: Of CIA's 16 recent filings, 2 were flagged as high-risk, 2 as medium-risk, and 12 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $183.546M |
| Net Income | $7.253M |
| EPS | $0.14 |
| Cash Position | $23.123M |
| Total Assets | $1.742B |
Key Executives
- Shields
- Stenberg
- David M. Miller
Industry Context
The life insurance industry is sensitive to interest rate fluctuations, which impact investment income and the valuation of fixed-income securities. Increased claims and surrenders can strain liquidity, especially during periods of economic uncertainty. Regulatory oversight is a constant factor, requiring compliance with various state and federal laws.
Top Tags
Life Insurance (5) · corporate-governance (4) · 10-Q (4) · officer-changes (3) · director-changes (3) · insurance (3) · Citizens Inc (3) · compensation (2) · Financial Performance (2) · shareholder-vote (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net income | $7.253M | Decreased from $11.291M (35.8% decline) for the nine months ended September 30, 2025 |
| Total revenues | $183.546M | Increased from $181.527M (1.1% increase) for the nine months ended September 30, 2025 |
| Claims and surrenders | $124.594M | Increased from $104.121M (19.7% increase) for the nine months ended September 30, 2025 |
| Federal income tax expense | $2.353M | Increased from a $27K benefit for the nine months ended September 30, 2025 |
| Basic EPS Class A common stock | $0.14 | Decreased from $0.23 for the nine months ended September 30, 2025 |
| Total assets | $1.742B | Increased from $1.685B at December 31, 2024 |
| Total liabilities | $1.517B | Increased from $1.475B at December 31, 2024 |
| Fixed maturity securities available-for-sale | $1.270B | Increased from $1.221B at December 31, 2024 |
| Gross unrealized losses on fixed maturity securities | $150.619M | Widened from $185.741M at December 31, 2024 |
| Cash and cash equivalents | $23.123M | Decreased from $29.271M at December 31, 2024 |
| Net Loss | $1.2M | Q2 2025, down from $1.8M net income in Q2 2024 |
| Retained Earnings | $248.4M | As of June 30, 2025, a decrease from $249.4M at December 31, 2024 |
| SEC File Number | 000-16509 | Identifies the company's filing with the SEC. |
| Report Date | 20240701 | Earliest event date reported in the filing. |
| Filing Date | 2024-05-07 | FILED AS OF DATE |
Frequently Asked Questions
What are the latest SEC filings for Citizens, Inc. (CIA)?
Citizens, Inc. has 17 recent SEC filings from Mar 2024 to Apr 2026, including 6 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of CIA filings?
Across 17 filings, the sentiment breakdown is: 1 bullish, 2 bearish, 14 neutral. The dominant sentiment is neutral.
Where can I find Citizens, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Citizens, Inc. (CIA) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Citizens, Inc.?
Key financial highlights from Citizens, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for CIA?
The investment thesis for CIA includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Citizens, Inc.?
Key executives identified across Citizens, Inc.'s filings include Shields, Stenberg, David M. Miller.
What are the main risk factors for Citizens, Inc. stock?
Of CIA's 16 assessed filings, 2 were flagged high-risk, 2 medium-risk, and 12 low-risk.
What are recent predictions and forward guidance from Citizens, Inc.?
Forward guidance and predictions for Citizens, Inc. are extracted from SEC filings as they are enriched.