Every material Form 8-K CITIZENS, INC. has filed with the SEC since August 06, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Citizens, Inc. (NYSE: CIA) reported a third-quarter 2026 net loss of $0.4 million, or $0.01 per diluted Class A share, compared with net income of $2.4 million, or $0.04, a year earlier. Total revenues rose to $65 million from $62.8 million, while higher future policy benefit reserves and lower reserve releases from matured endowments weighed on profit. For shareholders, the quarter shows premium growth alongside a return to a loss on a GAAP basis.
Q3 2026 total revenues were $65 million, up from $62.8 million; adjusted total revenues were $63.6 million, down from $64.1 million.
Net loss was $0.4 million in Q3 2026, versus $2.4 million net income in Q3 2025; adjusted net income was $1 thousand, versus $3.4 million.
Direct insurance premiums rose 7% to $50 million, with direct first year premiums up 9%.
Book value per Class A share was $4.37 at September 30, 2026, down from $4.49; adjusted book value per share excluding AOCI rose to $6.44 from $6.26.
Citizens, Inc. (CIA) filed a Form 8-K on October 9, 2026, listing Item 1.01, Material Definitive Agreement, and Item 9.01, Financial Statements and Exhibits. The filing text provided includes only the exhibit list and signature, so the agreement's counterparty, terms and financial effect are not stated here. Shareholders should review the full filing and its exhibits for those details.
Item 1.01 (Material Definitive Agreement) is listed, but the filing text provided does not describe the agreement.
Exhibit 104 is Inline XBRL for the cover page of the report.
Signed by Sheryl Kinlaw, Chief Legal Officer and Secretary.
Citizens, Inc. (NYSE: CIA) reported a second-quarter 2026 net loss of $0.4 million, or $0.01 per diluted Class A share, compared with net income of $6.5 million, or $0.13 per share, in the year-ago quarter. Total revenues fell to $60.4 million from $65.1 million, mainly due to a $3.9 million decline in investment related gains, while direct insurance premiums rose to $48.1 million. The company said higher future policy benefit reserves and lower reserve releases weighed on results.
Q2 2026 net loss of $0.4 million versus net income of $6.5 million in Q2 2025
Total revenues of $60.4 million, down from $65.1 million; adjusted total revenues of $61.9 million, down from $62.7 million
Direct insurance premiums of $48.1 million, up from $46.4 million year-over-year
Cash and cash equivalents of $17.0 million and no debt at June 30, 2026
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