Snapshot date: 2026-10-18 · Built: 2026-10-19T15:46:48+00:00 · Publication status: REVIEW

COMPANY RESEARCH

CITIZENS, INC.

CIA · United States · Financial Services

INSIDER SIGNAL

Insider activity score：61.5 / 100

3 insiders · 5 purchase events · $350k net purchases

US #273 · United States #273

WHY THIS SIGNAL?

Score anatomy

Each bar shows the contribution to the current score; the weights and formula stay unchanged.

Cluster+21.0 / 35

How many distinct insiders bought in the cluster

Purchase size+13.1 / 25

Purchase value relative to company size and liquidity

Role+7.0 / 20

The seniority and relevance of participating insiders

Recency+4.5 / 10

How recently the purchases occurred

Conviction+10.0 / 10

How clearly buying stands out from other activity

What is holding the score back?

⚠ Buyer breadth is moderate · fewer than 4 distinct filers
⚠ Insider role contributes less on the current role scale
⚠ Purchase activity is becoming less recent

The role contribution follows the US model's seniority ladder.

BUYING PROFILE

5 events · 3 insiders · 180d

Cluster 60%Repeat 20%Independent 20%Large 0%

Percentages are mutually exclusive and sum to 100%.

Buying concentration

83%

Largest buyer：Stenberg Jon · 292k USD
Gross qualified purchase transaction-line value：350k USD

The headline $ total is net buying for the screen; this module uses gross qualified purchase transaction-line values in the filing currency, so the amounts can differ. The current 15-day buyer-breadth input counts distinct buyers; value concentration is disclosed separately here.

This is a ranking under the current US screening rules—not a probability of gain, return forecast, or buy recommendation.

Key purchase quotes (filing currency)

Filer	Price per unit	Trade date
HARWOOD MICHAEL PHILIP	3.8 USD	Aug 31, 2026
Stenberg Jon	3.65 USD	Aug 11, 2026
Stenberg Jon	3.99 USD	Aug 10, 2026

Model details

Cluster breakdown (does not change the score)

15-day buyer breadth (count): 2 distinct reported filers
Peak time window: 2026-08-10 to 2026-08-11
Current breadth input: 0.600 (capped at 4+ buyers)
Buyer independence: Not yet measured; related-party fields are not cross-market comparable

What the filings show

🟢 Recent eligible purchase
HARWOOD MICHAEL PHILIP · 38k USD · Price 3.8 USD · Aug 31, 2026
🟢 Eligible purchase
Stenberg Jon · 44k USD · Price 3.65 USD · Aug 11, 2026
🟢 Large eligible purchase
Stenberg Jon · 200k USD · Price 3.99 USD · Aug 10, 2026
🟡 2 remaining qualified transaction line(s) across 2 disclosure(s)
🔴 28 other transaction line(s) are not counted as discretionary-buying evidence; 1 have zero price

Insider vs stock price

4 purchase day(s), 5 purchase line(s) in the 180-day window.

Daily close (USD)Day with an insider purchaseTwo or more insiders the same day

Markers sit on the closing price of the transaction day. They show when insiders traded, not the price they paid or received. "Since" compares that day's close with the last close shown; it is what happened at this company, not a forecast.

If you had followed the purchase

Each row starts on the first close on or after the day a purchase was made public, the earliest a reader could have acted, and ends on the last close shown above.

Amount put in (USD)

Made public	Insiders	In this stock, now	In the median peer stock, now	Difference
2026-05-26	1	686 −31.4%	918 −8.2%	−232 −23.2 pts
2026-08-11	1	933 −6.7%	916 −8.4%	+16 +1.6 pts
2026-08-12	1	885 −11.5%	914 −8.6%	−29 −2.9 pts
2026-08-13	1	890 −11.0%	911 −8.9%	−21 −2.1 pts
2026-09-01	1	911 −8.9%	933 −6.7%	−22 −2.2 pts

1 of 5 disclosure day(s) ended ahead of the median peer stock.

Close to close, before costs, taxes, dividends and currency moves. The peer is the median of the other stocks on the same exchange for which this site holds prices (1086 here), not an index. This is what happened, not a forecast: across all purchases on this site the typical gap is close to zero.

Insider timeline

2 insiders bought on the same day, 11 Aug: 1 Executive, 1 CEO / chair. 1 more bought afterwards. The share closed at 3.72 that day and at 3.47 most recently (−6.7%). That week 200 companies across United States disclosed insider purchases, more than in 85% of the last 26 weeks: insiders often buy together when a closed period ends, so the timing alone says less than it seems.

Tap an item for what it means.

●A purchase: the bigger the dot, the more was bought

Each dot is one insider's purchases on one day. The dot's area follows the amount: the largest purchase here gets the largest dot. Hold the pointer over a dot to see the date and the amount.

▮Purple band: several insiders bought within 15 days

The band marks the stretch with the most different buyers: at most 15 days long and at least two people. Here it is 11 Aug, with 2 insiders. Only the strongest stretch is marked. Several people deciding the same thing is harder to explain by one person's private reasons, but insiders often buy together just after a closed period ends, so compare it with the grey weekly bars.

Blue line: this share's price, −38.4% over these six months

The closing price of each day, from 5.63 on 2026-04-21 to 3.47 on 2026-10-09. The line has no scale; read it for high and low: a dot on a low stretch was bought cheaply, a dot on a high stretch was not.

Dashed line: the typical stock on the same exchange, −11.0%

Taken from the 1230 other stocks on the same exchange that this site holds prices for. Each is measured from the first day of the window, and every day the middle one is drawn. It starts where the blue line starts, so the gap between the two is the difference: this share −38.4%, the typical one −11.0%, 27.3 points behind. It is not an index and not a comparison within one industry.

▂Grey bars: companies across United States disclosing purchases each week

A taller bar is a week in which more companies disclosed insider purchases. The purple bar is the week of the band above: 200 companies, number 4 of the last 26 weeks. If that week was a peak anyway, buying together is less special than it looks.

This company: insiders buying per month, last 12 months

Nov

Dec

Jan

Feb

1Mar

Apr

1May

Jun

Jul

3Aug

Sep

Oct

Darker bars are inside the 180-day window above.

Who traded

Insider	Role	Purchases	Sales	Bought	First purchase	Share price since
Stenberg Jon	CEO / chair	3	—	291.5k USD	2026-05-21	−29.8%
Hoxworth Seth Alan	Executive	1	—	20.6k USD	2026-08-11	−6.7%
HARWOOD MICHAEL PHILIP	Board member	1	—	38.0k USD	2026-08-31	−7.7%

Why this score? · Model details

Priority = 100 × Σ(fixed weight × 0–1 rule-based input)

Factor	Weight	This company input	Point contribution
15-day buyer breadth (count)	35%	0.600	21.0
Qualified-buy size	25%	0.522	13.1
Role informativeness (inverted)	20%	0.650	13.0
Recency	10%	0.449	4.5
Buy/sell conviction	10%	1.000	10.0

This is a heuristic ordering under the current rules, not a calibrated return forecast. It explains why candidates rank differently; the public-filing evidence and data limits are shown below.

BULL VS BEAR

Two readings of this buying

The same filings, read two ways. Each line is a fact stored for this company with the number behind it, and appears only when that number crosses a fixed threshold. Neither side is a forecast and no winner is declared.

Where the evidence comes from

The two kinds of evidence disagree: the purchases themselves carry bull lines (more buyers than usual here, large purchases, purchase added much to the holding, buyer's past purchases beat the benchmark), while share price and trading argue against (price down over six months, price trails its sector); short sellers argue against (high short interest). No data is held for: company actions.

The insider purchases themselvesBullmore buyers than usual here, large purchases, purchase added much to the holding, buyer's past purchases beat the benchmark Bearvalue concentrated in one buyer5 checked, under the threshold
Share price and tradingBearprice down over six months, price trails its sector
Short sellersBearhigh short interest1 checked, under the threshold
Company results1 checked, under the threshold · 1 missing
Company actionsno data held

Bull case · the buying is informative

3 insiders bought in the last 180 days against 1 in the 180 days before: more than this company's own recent norm.
Net purchases of $350k equal 0.20% of the company's market value ($176.5M): large for the size of the business.
5 of 5 purchase filings state the shares held before and after. The largest addition to an existing holding took it from 463 to 11,096 shares (+2159%). A holding here is one way of owning the shares: directly, or through one named trust or entity.
The 7 earlier purchases by Stenberg Jon beat S&P 500 ETF (SPY adjusted close) by a median 6.2% over the following 60 trading days.

Bear case · discount it

Stenberg Jon accounts for 83% of the value bought. The other 2 buyers add names more than money.
Share price and tradingThe share price is down 35% over six months (three months −38%, one month −0.86%) and stands 47% below its 52-week high. Insiders have bought into a fall the market has not reversed.
Share price and tradingOver three months the share price changed −38% and the median of 143 Financial Services companies changed −1.2%: 37 points behind. The market has marked this company down against its own sector.
Short sellersFINRA short interest on 2026-09-30 was 4,422,346 shares, 33.8 days of average trading volume and 8.7% of the 50,643,108 shares outstanding, down 3.0% from the previous report: other investors hold a sizeable position the opposite way.

Evidence still missing

Only one reading of profitability is held (profit margin 4.5%). Whether earnings and cash flow are rising or falling needs the last two reports side by side.

Checked and under the threshold: 7, 1 close to it

BullAt most 2 insiders bought within any 15 days. Counted for the bull side from 3. close to the threshold
BearNo insider sale is recorded in the same 180 days.
EitherThe latest purchase is 48 days old. Bull up to 14 days, bear from 90.
BearNone of the 5 purchase filings ticks Form 4's 10b5-1 box.
BearOver the last 5 trading days to 2026-10-16, 59% of this stock's off-exchange volume was sold short; over the 60 days before, 69%. The market's median is 50%. This is trading volume, not a position: a market maker who sells short and covers the same day is counted, so about half of all volume is short on an ordinary day. It is shown for comparison and counts for neither side.
BearNo insider filing in the last 180 days opened a hedge on this stock.
BearProfit margin on the latest captured figures is 4.5%. Counted for the bear side when negative.

Both columns arrange stored facts only. They do not change the insider score or the ranking and are not investment advice.

Signal history

61.5 / 100

Latest recorded score

↓ -3.7 ptssince the first recorded snapshot on 2026-09-25; 23 calendar days observed

Recorded snapshots: 18
First snapshot: 2026-09-25

There is not yet a 30-calendar-day comparison; earlier scores are not reconstructed. These are raw signal scores saved when each full scoring run completed. They describe changes in research ranking, not price performance or returns.

Why did it change?

Less than 30 days of comparable history is available, so factor movement is not yet decomposed.

Signal score history

Fixed 0–100 scale; dates are spaced by calendar time.

Recent recorded points

Sep 25, 202665.2
Oct 2, 202663.0
Oct 6, 202662.9
Oct 13, 202662.1
Oct 18, 202661.5

View all recorded scores

Snapshot date	Signal score
2026-09-25	65.2
2026-09-29	63.2
2026-09-30	63.1
2026-10-01	63.0
2026-10-02	63.0
2026-10-03	62.9
2026-10-04	62.8
2026-10-05	62.8
2026-10-06	62.9
2026-10-07	62.8
2026-10-08	70.0
2026-10-09	69.3
2026-10-12	62.2
2026-10-13	62.1
2026-10-14	62.0
2026-10-15	61.9
2026-10-16	61.7
2026-10-18	61.5

Sector context

Financial Services

Buying breadth: 4.1% (29 / 701 issuers)
Sector rank: #7 / 13

This is sector-level research context. It does not affect the Insider Signal or ranking.

View US sector research →

Insider profile outcomes

Historical performance following insider filings. The company role is translated below each name while preserving the original title.

Excess return = stock return − S&P 500 ETF (SPY adjusted close) return over the same period.
Hit rate = completed events with positive excess return ÷ total completed events.
Price coverage = valid point-in-time prices ÷ events mature enough for that period.
Returns start on the first shared trading session on or after publication.
Small-sample rule: n<5 is shown for transparency and is not scored.

Events are disclosure-level observations; related disclosures published on the same date may share a return path and may not be statistically independent. This research enrichment does not affect the insider score or ranking.

Stenberg JonPresident & CEO9 completed 20D event(s)

Period	Completed events	Price coverage	Hit rate	Median excess return	Average excess return	Worst excess return
5D	9Developing evidence	100.0% (9/9)	77.8% (7/9)	+2.6%	+2.6%	-0.8%
20D	9Developing evidence	100.0% (9/9)	33.3% (3/9)	-1.9%	-1.2%	-15.8%
60D	7Developing evidence	100.0% (7/7)	57.1% (4/7)	+6.2%	+2.5%	-35.1%
120D	6Developing evidence	100.0% (6/6)	33.3% (2/6)	-3.1%	-4.1%	-45.8%

First purchase in 12M

0/8

Large purchase ≥ $100k

4/9

Cluster buying · 15D

1/9

Buying the dip · ≥20% below prior 52W high

9/9

Routine / opportunistic

Not classifiable

HARWOOD MICHAEL PHILIPDirector1 completed 20D event(s)

Period	Completed events	Price coverage	Hit rate	Median excess return	Average excess return	Worst excess return
5D	1Small sample	100.0% (1/1)	0.0% (0/1)	-5.3%	-5.3%	-5.3%
20D	1Small sample	100.0% (1/1)	0.0% (0/1)	-9.8%	-9.8%	-9.8%
60D	0No data	Awaiting maturity	—	—	—	—
120D	0No data	Awaiting maturity	—	—	—	—

First purchase in 12M

1/1

Large purchase ≥ $100k

0/1

Cluster buying · 15D

0/1

Buying the dip · ≥20% below prior 52W high

1/1

Routine / opportunistic

Not classifiable

Hoxworth Seth AlanChief Actuary1 completed 20D event(s)

Period	Completed events	Price coverage	Hit rate	Median excess return	Average excess return	Worst excess return
5D	1Small sample	100.0% (1/1)	0.0% (0/1)	-0.6%	-0.6%	-0.6%
20D	1Small sample	100.0% (1/1)	0.0% (0/1)	-6.5%	-6.5%	-6.5%
60D	0No data	Awaiting maturity	—	—	—	—
120D	0No data	Awaiting maturity	—	—	—	—

First purchase in 12M

1/1

Large purchase ≥ $100k

0/1

Cluster buying · 15D

1/1

Buying the dip · ≥20% below prior 52W high

1/1

Routine / opportunistic

Not classifiable

Signal outcomes

Calculated from immutable US ranking snapshots; excess return is stock return minus SPY return. Newly saved snapshots remain pending until each forward horizon matures. This never affects the US score.

Horizon	Status	Result
5D	3 completed	-1.3% median
20D	Awaiting maturity	—
60D	Awaiting maturity	—
120D	Awaiting maturity	—

Market context

PRICE PERFORMANCE

-0.9%

-38.1%

-35.3%

12M

-37.3%

VOLATILITY & LIQUIDITY

Volatility: 59.1%
Beta: 0.43
Avg daily volume: $448,185.2

VALUATION

Market cap: $176.5M
P/E: 15.8×

FUNDAMENTALS

Profit margin: 4.5%
ROE: 5.0%
Industry: Insurance - Life

Prices to 11 Oct 2026: OpenBB/yfinance. From OpenBB/yfinance, captured 30 Sep 2026: Market cap, P/E, Profit margin, ROE, Beta, Industry. It does not affect the insider score or rank.

Insiders' buying price vs the latest close

The latest close in the price history is more than a week old.

Buying size vs market trading

Complete price and volume history is not yet available.

Market-data coverage: 0 verified sessions · Latest session: — · Ratio status: Unavailable

Traded value is estimated as close × shares traded, in major currency units. Includes disclosed qualifying purchases; disclosures may lag. Contractual or planned acquisitions are not necessarily discretionary. Ratios describe relative trading size, not market participation or score contributions.

Latest news

News capture status: OK. Articles were retained for audit but none met the reader threshold.

Regulatory filings

Insider filing announcement · published 2026-09-01 · trade date 2026-08-31
Insider filing announcement · published 2026-08-18 · trade date 2026-08-15
Insider filing announcement · published 2026-08-18 · trade date 2026-08-15

Unfold all 29 filings

Insider filing announcement · published 2026-09-01 · trade date 2026-08-31
Insider filing announcement · published 2026-08-18 · trade date 2026-08-15
Insider filing announcement · published 2026-08-18 · trade date 2026-08-15
Insider filing announcement · published 2026-08-13 · trade date 2026-08-11
Insider filing announcement · published 2026-08-12 · trade date 2026-08-11
Insider filing announcement · published 2026-08-11 · trade date 2026-08-10
Insider filing announcement · published 2026-07-16 · trade date 2026-07-14
Insider filing announcement · published 2026-06-22 · trade date 2026-06-17
Insider filing announcement · published 2026-06-22 · trade date 2026-06-17
Insider filing announcement · published 2026-06-22 · trade date 2026-06-17
Insider filing announcement · published 2026-06-22 · trade date 2026-06-17
Insider filing announcement · published 2026-06-22 · trade date 2026-05-29
Insider filing announcement · published 2026-06-04 · trade date 2026-05-29
Insider filing announcement · published 2026-05-26 · trade date 2026-05-21
Insider filing announcement · published 2026-04-20 · trade date 2026-04-07
Insider filing announcement · published 2026-03-31 · trade date 2026-03-30
Insider filing announcement · published 2026-03-31 · trade date 2026-03-28
Insider filing announcement · published 2026-03-31 · trade date 2026-03-28
Insider filing announcement · published 2026-03-31 · trade date 2026-03-28
Insider filing announcement · published 2026-03-31 · trade date 2026-03-28
Insider filing announcement · published 2026-03-20 · trade date 2026-03-18
Insider filing announcement · published 2026-03-19 · trade date 2026-03-17
Insider filing announcement · published 2026-01-30 · trade date 2025-12-26
Insider filing announcement · published 2026-01-30 · trade date 2025-12-26
Insider filing announcement · published 2026-01-30 · trade date 2025-12-26
Insider filing announcement · published 2026-01-21 · trade date 2025-12-26
Insider filing announcement · published 2026-01-05 · trade date 2025-12-26
Insider filing announcement · published 2025-11-17 · trade date 2025-10-31
Insider filing announcement · published 2025-11-17 · trade date 2025-10-30

Results and insider purchases

Results (8-K)	Bought within 5 sessions	Bought within 20 sessions
2026-08-0616:07 ET · after the closeFirst session 2026-08-07	2 · $263.9KStenberg Jon; Hoxworth Seth Alan	3 · $301.9KStenberg Jon; HARWOOD MICHAEL PHILIP; Hoxworth Seth Alan
2026-05-0716:11 ET · after the closeFirst session 2026-05-08	None	1 · $48.2KStenberg Jon
2026-03-1216:09 ET · after the closeFirst session 2026-03-13	1 · $48.1KStenberg Jon	1 · $283.1KStenberg Jon
2025-11-0710:16 ET · during trading hours	None	None

Results dates are the company's 8-K filings to the SEC under Item 2.02 (results of operations); one filed after the close counts from the next session. Purchases are open-market buys reported on Form 4 (code P), by trade date; a Form 4 can arrive two business days after the trade, so the latest days can still fill in. Facts only; this does not change the score or rank.

Ownership and trading-plan context

Direct / indirect ownership	Direct, Mixed direct / indirect
10b5-1 filing evidence	Not declared in filing field
Evidence retrieved	2026-10-06T22:13:46+00:00

These are accession-level filing fields. Unavailable means the evidence was not fetched or parsed; it is never inferred as “No” and does not adjust the US score.

Filing evidence

These are underlying national-feed records from the 365-day window ending on the saved ranking snapshot. The score uses only the latest 180 days; older qualifying equity purchases remain visible for audit but do not enter the current score. The original filer, role, transaction classification, instrument, price, volume, value and source fields are retained. The first three rows are shown; remaining records can be unfolded for audit. Other transaction types are retained but excluded from the score.

Excluded transactions & classification

7 qualifying purchase disclosure(s) · 7 transaction line(s)

Mar 30, 2026Open market purchase

Stenberg Jon · President & CEO

Citizens, Inc. Class A Common Stock · 50000.0 shares × 4.7 USD · 235000.0 USD

Open filing

Mar 17, 2026Open market purchase

Stenberg Jon · President & CEO

Citizens, Inc. Class A Common Stock · 10000.0 shares × 4.81 USD · 48099.99999999999 USD

Open filing

May 21, 2026Open market purchase

Stenberg Jon · President & CEO

Citizens, Inc. Class A Common Stock · 10000.0 shares × 4.82 USD · 48200.0 USD

Open filing

Unfold all 4 remaining filing row(s)

Transaction date	Published	Filer	Role	Transaction	Instrument	Price (local currency)	Quote currency	Volume	Reported value (local currency)	Source
2026-08-31	2026-09-01	HARWOOD MICHAEL PHILIP	Director	Open market purchase	Citizens, Inc. Class A Common Stock	3.8 USD	USD	10000.0	38000.0 USD	Open filing
2026-08-11	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Open market purchase	Citizens, Inc. Class A Common Stock	3.83 USD	USD	5376.0	20590.08 USD	Open filing
2026-08-11	2026-08-12	Stenberg Jon	President & CEO	Open market purchase	Citizens, Inc. Class A Common Stock	3.65 USD	USD	12000.0	43800.0 USD	Open filing
2026-08-10	2026-08-11	Stenberg Jon	President & CEO	Open market purchase	Citizens, Inc. Class A Common Stock	3.99 USD	USD	50000.0	199500.0 USD	Open filing

Showing 7 of 7 matching raw-feed row(s) from the current 365-day research window. Prices and reported values remain in the filing currency and its major unit (for example, UK pence are parsed as GBP). The screen-level $ aggregate is separately FX-normalised for research ranking, not a trade-date conversion.

Other disclosed transactions · excluded from score

View 69 other transaction(s)

Oct 31, 2025Small acquisition

Davis Jerry · Director

Citizens, Inc. Class A Common Stock · 355.33 shares × 5.6 USD · 1989.8479999999997 USD

Open filing

Oct 30, 2025Small acquisition

Waite Harvey J. · Chief Actuary

Citizens, Inc. Class A Common Stock · 444.16 shares × 5.6 USD · 2487.296 USD

Open filing

Mar 28, 2026Shares withheld for tax or exercise price

Guerrero Paula L · Chief Information Officer

Citizens, Inc. Class A Common Stock · 1066.0 shares × 4.58 USD · 4882.28 USD

Open filing

Unfold all 66 remaining filing row(s)

Transaction date	Published	Filer	Role	Transaction	Instrument	Price (local currency)	Quote currency	Volume	Reported value (local currency)	Source
2026-03-28	2026-03-31	Guerrero Paula L	Chief Information Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	3034.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Lewis Bryon Matthew	Chief Operations Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	2587.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Lewis Bryon Matthew	Chief Operations Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	764.0	3499.12 USD	Open filing
2026-03-28	2026-03-31	Lewis Bryon Matthew	Chief Operations Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	4673.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Lewis Bryon Matthew	Chief Operations Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	1379.0	6315.82 USD	Open filing
2026-03-28	2026-03-31	Conklin Jeffery P.	CFO & Treasurer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	3035.0	13900.300000000001 USD	Open filing
2026-03-28	2026-03-31	Conklin Jeffery P.	CFO & Treasurer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12461.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Conklin Jeffery P.	CFO & Treasurer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	3042.0	13932.36 USD	Open filing
2026-03-28	2026-03-31	Conklin Jeffery P.	CFO & Treasurer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12489.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Kinlaw Sheryl L	Chief Legal Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	3695.0	16923.1 USD	Open filing
2026-03-28	2026-03-31	Kinlaw Sheryl L	Chief Legal Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	15172.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Kinlaw Sheryl L	Chief Legal Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	10903.0	0.0 USD	Open filing
2026-03-28	2026-03-31	Kinlaw Sheryl L	Chief Legal Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	2655.0	12159.9 USD	Open filing
2026-03-28	2026-03-31	Stenberg Jon	President & CEO	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.58 USD	USD	4946.0	22652.68 USD	Open filing
2026-03-28	2026-03-31	Stenberg Jon	President & CEO	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	20310.0	0.0 USD	Open filing
2026-03-18	2026-03-20	Stenberg Jon	President & CEO	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	45249.0	0.0 USD	Open filing
2026-03-18	2026-03-20	Stenberg Jon	President & CEO	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	4.63 USD	USD	11944.0	55300.72 USD	Open filing
2026-02-27	2026-03-31	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.6 USD	USD	177.54	994.2239999999999 USD	Open filing
2026-01-30	2026-03-31	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.61 USD	USD	177.4	995.214 USD	Open filing
2025-12-26	2026-01-30	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.19 USD	USD	95.78	497.0982 USD	Open filing
2025-12-26	2026-01-30	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.19 USD	USD	57.47	298.26930000000004 USD	Open filing
2025-12-26	2026-01-30	Davis Jerry	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.19 USD	USD	383.12	1988.3928 USD	Open filing
2025-12-26	2026-01-21	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.19 USD	USD	191.56	994.1964 USD	Open filing
2025-12-26	2026-01-05	Waite Harvey J.	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.19 USD	USD	478.9	2485.491 USD	Open filing
2025-11-28	2026-01-30	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	83.74	497.4156 USD	Open filing
2025-11-28	2026-01-30	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	50.24	298.42560000000003 USD	Open filing
2025-11-28	2026-01-30	Davis Jerry	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	334.96	1989.6624 USD	Open filing
2025-11-28	2026-01-21	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	167.48	994.8312 USD	Open filing
2025-11-28	2026-01-05	Waite Harvey J.	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	418.9	2488.266 USD	Open filing
2025-10-31	2026-01-30	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.6 USD	USD	88.83	497.448 USD	Open filing
2025-10-31	2026-01-30	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.6 USD	USD	53.3	298.47999999999996 USD	Open filing
2025-10-31	2026-01-21	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.6 USD	USD	177.66	994.896 USD	Open filing
2026-06-17	2026-06-22	TAYLOR MARY	Director	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12012.0	0.0 USD	Open filing
2026-06-17	2026-06-22	DAVIS CYNTHIA H	Director	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12012.0	0.0 USD	Open filing
2026-06-17	2026-06-22	Carlson Peter M	Director	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12012.0	0.0 USD	Open filing
2026-06-17	2026-06-22	Claus Christopher W	Director	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	12012.0	0.0 USD	Open filing
2026-05-29	2026-06-22	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	190.05	993.9615000000001 USD	Open filing
2026-05-29	2026-06-22	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	95.02	496.9546 USD	Open filing
2026-05-29	2026-06-22	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	57.01	298.1623 USD	Open filing
2026-05-29	2026-06-04	Davis Jerry	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	380.1	1987.9230000000002 USD	Open filing
2026-05-05	2026-06-22	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	181.41	994.1268 USD	Open filing
2026-05-05	2026-06-22	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	90.7	497.03600000000006 USD	Open filing
2026-05-05	2026-06-22	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	54.42	298.2216 USD	Open filing
2026-05-05	2026-06-04	Davis Jerry	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	362.82	1988.2536 USD	Open filing
2026-04-07	2026-06-22	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	91.8	497.556 USD	Open filing
2026-04-07	2026-06-22	TAYLOR MARY	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	91.8	497.556 USD	Open filing
2026-04-07	2026-06-04	Davis Jerry	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	367.2	1990.224 USD	Open filing
2026-04-07	2026-04-20	DAVIS CYNTHIA H	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	55.08	298.5336 USD	Open filing
2026-08-28	2026-09-01	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	3.88 USD	USD	255.52	991.4176 USD	Open filing
2026-08-15	2026-08-18	Guerrero Paula L	Chief Information Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	3.97 USD	USD	796.0	3160.1200000000003 USD	Open filing
2026-08-15	2026-08-18	Guerrero Paula L	Chief Information Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	2709.0	0.0 USD	Open filing
2026-08-15	2026-08-18	Lewis Bryon Matthew	Chief Operations Officer	Shares withheld for tax or exercise price	Citizens, Inc. Class A Common Stock	3.97 USD	USD	640.0	2540.8 USD	Open filing
2026-08-15	2026-08-18	Lewis Bryon Matthew	Chief Operations Officer	Exercise of derivative security	Citizens, Inc. Class A Common Stock	—	USD	2626.0	0.0 USD	Open filing
2026-07-31	2026-08-18	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	4.75 USD	USD	209.41	994.6975 USD	Open filing
2026-07-31	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	4.75 USD	USD	104.7	497.325 USD	Open filing
2026-07-29	2026-09-01	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	4.75 USD	USD	209.41	994.6975 USD	Open filing
2026-07-14	2026-07-16	Lewis Bryon Matthew	Chief Operations Officer	Other acquisition or disposition	Citizens, Inc. Class A Common Stock	0.0 USD	USD	10697.0	0.0 USD	Open filing
2026-07-02	2026-09-01	HARWOOD MICHAEL PHILIP	Director	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	167.6	995.544 USD	Open filing
2026-07-02	2026-08-18	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	167.6	995.544 USD	Open filing
2026-07-02	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.94 USD	USD	83.8	497.772 USD	Open filing
2026-05-29	2026-08-18	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	190.05	993.9615000000001 USD	Open filing
2026-05-29	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.23 USD	USD	95.02	496.9546 USD	Open filing
2026-05-05	2026-08-18	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	181.41	994.1268 USD	Open filing
2026-05-05	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.48 USD	USD	90.7	497.03600000000006 USD	Open filing
2026-04-07	2026-08-18	Guerrero Paula L	Chief Information Officer	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	183.6	995.112 USD	Open filing
2026-04-07	2026-08-13	Hoxworth Seth Alan	Chief Actuary	Small acquisition	Citizens, Inc. Class A Common Stock	5.42 USD	USD	91.8	497.556 USD	Open filing

Showing 69 of 69 matching raw-feed row(s) from the current 365-day research window. Prices and reported values remain in the filing currency and its major unit (for example, UK pence are parsed as GBP). The screen-level $ aggregate is separately FX-normalised for research ranking, not a trade-date conversion.

Snapshot & identity

Snapshot date: 2026-10-18
Ticker: CIA
ISIN: —
Sector: Financial Services
Industry: —

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How to read Form 4 transaction codes

Code	Interpretation	Screen treatment
P	Open-market / private purchase	Buy evidence when the security is qualifying equity
S	Sale	Sell evidence when the security is qualifying equity
A	Grant / award	Context only
F	Tax-related withholding	Context only
M	Option exercise	Context only
G	Gift	Context only
J / L	Other / non-directional	Context only

P/S rows for options, warrants, compensation units and debt remain visible for audit but are excluded from equity scores and quotes.

CITIZENS, INC.

WHY THIS SIGNAL?

Score anatomy

What is holding the score back?

BUYING PROFILE

Buying concentration

Key purchase quotes (filing currency)

Cluster breakdown (does not change the score)

What the filings show

Insider vs stock price

If you had followed the purchase

Insider timeline

This company: insiders buying per month, last 12 months

Who traded

Two readings of this buying

Where the evidence comes from

Bull case · the buying is informative

Bear case · discount it

Evidence still missing

Signal score history

Recent recorded points

Sector context

Insider profile outcomes

Signal outcomes

Market context

PRICE PERFORMANCE

VOLATILITY & LIQUIDITY

VALUATION

FUNDAMENTALS

Insiders' buying price vs the latest close

Buying size vs market trading

Latest news

Regulatory filings

Results and insider purchases

Ownership and trading-plan context

Filing evidence

Other disclosed transactions · excluded from score

Snapshot & identity

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How to read Form 4 transaction codes