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as of 11-13-2026 3:19pm EST

$3.38
$0.33
-8.78%
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Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Domestic Insurance and International Insurance segments.. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.

Founded: 1969 Country:
United States
United States
Employees: N/A City: AUSTIN
Market Cap: 174.2M IPO Year: 1995
Target Price: $5.25 AVG Volume (30 days): 117.5K
Analyst Decision: N/A Number of Analysts: N/A
Dividend Yield:
N/A
Dividend Payout Frequency: N/A
EPS: N/A EPS Growth: N/A
52 Week Low/High: $3.31 - $6.54 Next Earning Date: 11-24-2026
Revenue: $255,616,000 Revenue Growth: N/A
Revenue Growth (this year): 0.32% Revenue Growth (next year): 4.03%
P/E Ratio: 28.23 Index:
Free Cash Flow: 17.5M FCF Growth: +9.38%

Stock Insider Trading Activity of Citizens Inc. ($1.00 Par) (CIA)

CIA Aug 31, 2026

Avg Cost/Share

$3.80

Shares

10,000

Total Value

$38,000.00

Owned After

11,095.783

SEC Form 4

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2026
Q3

Q3 2026 Earnings

8-K SELL

Nov 5, 2026 · 99% conf.

AI Prediction SELL

1D

-5.40%

$3.91

Act: -0.97%

5D

-8.27%

$3.79

20D

-9.91%

$3.72

Price: $4.13 Prob +5D: 1% AUC: 1.000
0000024090-26-000050

cia-20261105

FALSE000002409000000240902026-11-052026-11-05

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): November 5, 2026

COMMISSION FILE NUMBER: 000-16509

CITIZENS, INC.

(Exact name of registrant as specified in its charter)

Colorado84-0755371

(State or other jurisdiction of incorporation)

(I.R.S. Employer Identification No.)

11815 Alterra Pkwy, Suite 1500, Austin, TX 78758

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number: (512) 837-7100

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Class A Common StockCIANew York Stock Exchange

(Title of each class)(Trading Symbol)(Name of each exchange on which registered)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company     ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02     Results of Operations and Financial Condition.

On November 5, 2026, Citizens, Inc. issued a press release regarding its financial results for the three and nine months ended September 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1.

The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

(d)Exhibits

99.1

Citizens, Inc. press release dated November 5, 2026

104Inline XBRL for the cover page of this Current Report on Form 8-K

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS, INC.

By:/s/ Jon Stenberg

President & Chief Executive Officer

Date: November 5, 2026

2026
Q2

Q2 2026 Earnings

8-K BUY

Aug 6, 2026 · 100% conf.

AI Prediction BUY

1D

+2.39%

$4.70

Act: -17.21%

5D

+16.39%

$5.34

20D

+17.63%

$5.40

Price: $4.59 Prob +5D: 100% AUC: 1.000
0000024090-26-000042

Transcript text not available. View on SEC.gov →

2026
Q1

Q1 2026 Earnings

8-K SELL

May 7, 2026 · 100% conf.

AI Prediction SELL

1D

-3.46%

$5.46

Act: -7.95%

5D

-7.53%

$5.23

Act: -7.07%

20D

-9.66%

$5.11

Act: -8.48%

Price: $5.66 Prob +5D: 0% AUC: 1.000
0000024090-26-000026

cia-20260507

FALSE000002409000000240902026-05-072026-05-07

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): May 7, 2026

COMMISSION FILE NUMBER: 000-16509

CITIZENS, INC.

(Exact name of registrant as specified in its charter)

Colorado84-0755371

(State or other jurisdiction of incorporation)

(I.R.S. Employer Identification No.)

11815 Alterra Pkwy, Suite 1500, Austin, TX 78758

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number: (512) 837-7100

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Class A Common StockCIANew York Stock Exchange

(Title of each class)(Trading Symbol)(Name of each exchange on which registered)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company     ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02     Results of Operations and Financial Condition.

On May 7, 2026, Citizens, Inc. issued a press release regarding its financial results for the year ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1.

The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

(d)Exhibits

99.1

Citizens, Inc. press release dated May 7, 2026

104Inline XBRL for the cover page of this Current Report on Form 8-K

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS, INC.

By:/s/ Jon Stenberg

President & Chief Executive Officer

Date: May 7, 2026

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