Welcome to our dedicated page for Citizens SEC filings (Ticker: CIA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Citizens, Inc. (NYSE: CIA), a Colorado-based diversified financial services company in the direct life insurance carriers industry. Through these filings, investors can review how Citizens reports on its Life Insurance and Home Service Insurance segments, corporate governance, and key financial metrics.
Citizens’ periodic reports on Forms 10-K and 10-Q detail its U.S. dollar-denominated whole life and endowment policies for non-U.S. residents in Latin America and the Pacific Rim, as well as domestic final expense, living benefits, and critical illness products. These filings also describe the Home Service Insurance segment’s focus on final expense and whole life products in specific U.S. states and the use of independent agents and funeral homes as distribution channels.
Current reports on Form 8-K, such as those referenced in recent disclosures, cover topics including quarterly financial results, the election of directors, shareholder voting outcomes, and other material events. Proxy materials and related filings provide information on matters submitted to shareholders, executive compensation advisory votes, and the ratification of the independent registered public accounting firm.
On Stock Titan, SEC documents for CIA are updated from EDGAR and paired with AI-powered summaries that explain the significance of each filing. Users can quickly understand the main points of lengthy reports, track changes in adjusted total revenues, adjusted income before federal income tax, and adjusted book value per share, and review governance items such as board composition and shareholder meeting results. Filings related to insider activity, when available on Form 4, can help investors monitor transactions by directors and officers.
Citizens, Inc. is asking shareholders to vote on four proposals at its 2026 Annual Meeting, including electing 7 directors, ratifying Grant Thornton LLP as auditor, approving Say‑on‑Pay, and approving an amended and restated Omnibus Incentive Plan with 3,000,000 new shares requested.
The meeting is scheduled for June 16, 2026 at the Austin, Texas headquarters, with an April 17, 2026 record date and 50,553,564 Class A shares entitled to vote. Citizens highlights a second straight year of total premium revenue growth, 2025 net income before tax of $17.5 million versus $15.0 million in 2024, and record 2025 total revenues of $255.6 million.
The company reports total assets of $1.8 billion, total direct insurance in force of $5.43 billion, no debt, diluted EPS of $0.28, and adjusted book value per share of $6.43. The Board emphasizes refreshed, largely independent governance, pay‑for‑performance executive compensation, and enhanced risk and cybersecurity oversight.
CITIZENS, INC. director Cynthia H. Davis reported several small acquisitions of Class A common stock. She recorded Rule 16a-6 small acquisitions of 53.2192 shares at $5.61, 53.2623 shares at $5.60, and 55.0794 shares at $5.42, increasing her direct holdings to 46,128.1508 shares. She also made an open-market purchase of 100 shares at $4.525, held indirectly through her spouse.
Citizens, Inc. President & CEO Jon Stenberg reported compensation-related equity activity. He exercised 13,186 restricted stock units into the same number of Class A common shares at an exercise price of $0.00, and 3,211 shares were withheld at $5.03 per share to cover tax obligations. He also received a new grant of 42,942 RSUs for the 2026 long-term incentive, vesting in three equal annual installments starting on March 31, 2027. Following these transactions, he holds 317,574 Class A shares directly and retains RSU awards covering 45,249 and 20,309 underlying shares, plus 130,100 Class A shares held indirectly through his spouse.
Citizens, Inc. CFO & Treasurer Jeffery P. Conklin reported compensation-related equity movements involving restricted stock units and Class A common stock. On March 31, 2026, he exercised RSUs to acquire 15,528 shares of Class A common stock and received a new grant of 15,904 RSUs under the Omnibus Incentive Plan. The filing shows 3,782 shares of Class A common stock withheld at $5.03 per share to satisfy tax obligations, rather than sold in the open market. Following these transactions, he directly holds about 200,086 Class A shares, along with multiple RSU awards that each convert into one share of Class A common stock upon vesting.
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.
Hoxworth Seth Alan reported acquisition or exercise transactions in this Form 4 filing.
Citizens, Inc. reported that Chief Actuary Seth Alan Hoxworth received two grants of restricted stock units (RSUs) on March 31, 2026 under the Citizens, Inc. Omnibus Incentive Plan. One award covers 4,572 RSUs for 2025 pay-for-performance, and the other covers 5,964 RSUs as a 2026 long-term incentive.
Each RSU represents a contingent right to receive one share of Class A common stock. Both awards vest in three equal annual installments on the first, second, and third anniversaries of the grant date, beginning on March 31, 2027. Following these awards, Hoxworth directly holds 5,351.6618 shares of Citizens Class A common stock, along with outstanding RSU-based rights over additional shares.
Citizens, Inc. Chief Legal Officer Sheryl L. Kinlaw reported equity compensation activity involving restricted stock units (RSUs) and Class A common stock on March 31, 2026. She exercised RSUs covering 5,128 and 8,536 shares of Class A common stock and received a new award of 13,916 RSUs under the Citizens, Inc. Omnibus Incentive Plan.
Following these transactions and related tax withholding, she held 99,350 shares of Citizens, Inc. Class A common stock directly. She also retained RSU derivative positions representing 15,174 and 10,904 underlying Class A shares, which vest in installments on specified future anniversaries of prior grant dates.
Citizens, Inc. Chief Information Officer Paula L. Guerrero reported routine equity compensation activity. On March 31, 2026 she exercised restricted stock units into a total of 4,120 shares of Class A common stock, with 1,439 shares withheld at $5.03 per share to cover tax obligations. She also received a new grant of 5,964 restricted stock units. Following these transactions, she directly holds about 17,358.9844 shares of Class A common stock and retains unvested restricted stock units tied to 2,709 and 3,035 underlying shares.
Citizens, Inc. Chief Information Officer Paula L. Guerrero exercised 3,034 restricted stock units into Class A common stock on March 28, 2026 at an exercise price of $0.00 per share. To cover tax obligations, 1,066 shares were withheld at $4.58 per share, leaving her with 14,677.9844 Class A shares held directly afterward. Earlier in the year, she made two small direct acquisitions of 177.3979 shares at $5.61 and 177.5414 shares at $5.60 through the Citizens, Inc. Stock Investment Plan via regular monthly payroll deductions. She also continues to hold several RSU awards that each convert into one share of Class A common stock upon vesting.