United States · SEC Form 4 · Snapshot date: 2026-10-18 · Built: 2026-10-18 · 中文

US · SEC FORM 4

CITIZENS, INC.

CIA · NYSE · CIK 0000024090 · Financial Services · Insurance—Life

INSIDER SIGNAL

61.5 / 100

3 buyers · 5 purchase transaction lines · $350.1K gross purchase

WHY THIS SIGNAL?

Buyer breadthModerate

Purchase sizeModerate

RoleModerate

RecencyLow

ConvictionStrong

Score anatomy

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

Cluster+21.0 / 35

Purchase size+13.1 / 25

Role+13.0 / 20

Recency+4.5 / 10

Conviction+10.0 / 10

What is holding the score back?

⚠ Cluster breadth is moderate · 3 insider(s), not 4+
⚠ Role scores low · most senior buyer: President & CEO (CEO, chair and 10% owners score lowest)

Purchase-size comments are relative to the model scale. Average daily volume is a separate market-context diagnostic.

US-v1.2 ranks qualifying equity purchases under the current 180-day rules. The score is a research priority, not a return forecast or probability. Backtests have not shown that a higher US score is followed by better returns.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct

HARWOOD MICHAEL PHILIPDirector

○○○○○●

Guerrero Paula LChief Information Officer

○○○○○○

Hoxworth Seth AlanChief Actuary

○○○○●

Lewis Bryon MatthewChief Operations Officer

○○○

Stenberg JonPresident & CEO

●●●

TAYLOR MARYDirector

○○○

● Purchase▼ Sale○ Other

Showing the six most active owners; 4 additional owner(s) remain in Form 4 evidence.

Purchase breadth & concentration

QUALIFYING BUYERS3

PURCHASE CONCENTRATION83%Largest buyer: Stenberg Jon · $291.5K

CLUSTER BUYING · 15D2 insidersPeak activity: 2026-08-10–2026-08-11

Roles in the peak window: Chief Actuary, President & CEO. Concentration uses priced qualifying P lines only and does not change the saved score.

SIGNAL HISTORY

61.5 / 100

Latest recorded score

↓ -0.2 ptsversus the previous recorded snapshot

Oct 1362.1
Oct 1462.0
Oct 1561.9
Oct 1661.7
Oct 1861.5

Only scores saved when a full US scoring run completed are shown; gaps are not reconstructed.

Recent Form 4 activity

7Purchases

0Sales

69Other Form 4 lines

29SEC filings · 365 days

BUYING5 qualifying P line(s) · 180 days

SELLING0 sale line(s) · context only

OTHER28 exercise / withholding / award / gift / other lines

10b5-1 / PLANNEDNot detected in parsed evidence

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M: -0.9%
3M: -38.1%
6M: -35.3%
12M: -37.3%

Volatility & liquidity

Volatility: 59.1%
Beta: 0.43
Avg daily value: USD 448,185

Valuation

Market cap: USD 175.7M
P/E: 15.8×

Fundamentals

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

Market data

Price data up to: 2026-10-11 · Price source: OpenBB/yfinance · From SEC filings: Market cap · Market cap is the shares outstanding stated on the filing cover multiplied by the latest close. Share count date: 2026-07-31 · From Yahoo Finance: P/E, Profit margin, ROE · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short: 4,422,346
Previous report: 4,557,503
Avg daily volume: 130,910
Days to cover: 33.8

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction date	Reporting owner	Type	Security	Shares	Avg. price	Approx. value	Source
2026-08-31	HARWOOD MICHAEL PHILIP	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 3.80	USD 38,000	SEC filing ↗
2026-08-11	Hoxworth Seth Alan	Purchase (P)	Citizens, Inc. Class A Common Stock	5,376	USD 3.83	USD 20,590	SEC filing ↗
2026-08-11	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	12,000	USD 3.65	USD 43,800	SEC filing ↗
2026-08-10	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	50,000	USD 3.99	USD 199,500	SEC filing ↗
2026-05-21	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 4.82	USD 48,200	SEC filing ↗
2026-03-30	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	50,000	USD 4.70	USD 235,000	SEC filing ↗
2026-03-17	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 4.81	USD 48,100	SEC filing ↗
2025-06-17	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	19,914	USD 3.33	USD 66,314	SEC filing ↗
2025-05-29	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	34,850	USD 3.71	USD 129,130	SEC filing ↗
2025-05-28	Kinlaw Sheryl L	Purchase (P)	Citizens, Inc. Class A Common Stock	2,500	USD 3.59	USD 8,975	SEC filing ↗
2025-04-08	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 4.20	USD 42,000	SEC filing ↗
2025-04-07	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	106,340	USD 3.89	USD 413,250	SEC filing ↗
2024-09-16	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	11,934	USD 2.99	USD 35,683	SEC filing ↗
2024-09-09	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	95	USD 2.99	USD 284	SEC filing ↗
2024-09-05	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	12,558	USD 2.96	USD 37,161	SEC filing ↗

Form 4 evidence

76 transaction lines in the latest 365-day window; 649 in local history.

Date	Owner	Type	Security	Shares	Avg. price	Approx. value	Source
2026-08-31	HARWOOD MICHAEL PHILIP	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 3.80	USD 38,000	SEC filing ↗
2026-08-28	HARWOOD MICHAEL PHILIP	L (L)	Citizens, Inc. Class A Common Stock	256	USD 3.88	USD 991	SEC filing ↗
2026-08-15	Lewis Bryon Matthew	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	2,626	USD —	USD —	SEC filing ↗

Show recent Form 4 evidence (30 grouped rows)

Date	Owner	Type	Security	Shares	Avg. price	Approx. value	Source
2026-08-31	HARWOOD MICHAEL PHILIP	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 3.80	USD 38,000	SEC filing ↗
2026-08-28	HARWOOD MICHAEL PHILIP	L (L)	Citizens, Inc. Class A Common Stock	256	USD 3.88	USD 991	SEC filing ↗
2026-08-15	Lewis Bryon Matthew	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	2,626	USD —	USD —	SEC filing ↗
2026-08-15	Lewis Bryon Matthew	Tax withholding (F)	Citizens, Inc. Class A Common Stock	640	USD 3.97	USD 2,541	SEC filing ↗
2026-08-15	Guerrero Paula L	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	2,709	USD —	USD —	SEC filing ↗
2026-08-15	Guerrero Paula L	Tax withholding (F)	Citizens, Inc. Class A Common Stock	796	USD 3.97	USD 3,160	SEC filing ↗
2026-08-11	Hoxworth Seth Alan	Purchase (P)	Citizens, Inc. Class A Common Stock	5,376	USD 3.83	USD 20,590	SEC filing ↗
2026-08-11	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	12,000	USD 3.65	USD 43,800	SEC filing ↗
2026-08-10	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	50,000	USD 3.99	USD 199,500	SEC filing ↗
2026-07-31	Guerrero Paula L	L (L)	Citizens, Inc. Class A Common Stock	209	USD 4.75	USD 995	SEC filing ↗
2026-07-31	Hoxworth Seth Alan	L (L)	Citizens, Inc. Class A Common Stock	105	USD 4.75	USD 497	SEC filing ↗
2026-07-29	HARWOOD MICHAEL PHILIP	L (L)	Citizens, Inc. Class A Common Stock	209	USD 4.75	USD 995	SEC filing ↗
2026-07-14	Lewis Bryon Matthew	J (J)	Citizens, Inc. Class A Common Stock	10,697	USD 0.00	USD 0	SEC filing ↗
2026-07-02	HARWOOD MICHAEL PHILIP	L (L)	Citizens, Inc. Class A Common Stock	168	USD 5.94	USD 996	SEC filing ↗
2026-07-02	Guerrero Paula L	L (L)	Citizens, Inc. Class A Common Stock	168	USD 5.94	USD 996	SEC filing ↗
2026-07-02	Hoxworth Seth Alan	L (L)	Citizens, Inc. Class A Common Stock	84	USD 5.94	USD 498	SEC filing ↗
2026-06-17	TAYLOR MARY	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	12,012	USD —	USD —	SEC filing ↗
2026-06-17	DAVIS CYNTHIA H	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	12,012	USD —	USD —	SEC filing ↗
2026-06-17	Claus Christopher W	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	12,012	USD —	USD —	SEC filing ↗
2026-06-17	Carlson Peter M	Option exercise / conversion (M)	Citizens, Inc. Class A Common Stock	12,012	USD —	USD —	SEC filing ↗
2026-05-29	Guerrero Paula L	L (L)	Citizens, Inc. Class A Common Stock	190	USD 5.23	USD 994	SEC filing ↗
2026-05-29	Hoxworth Seth Alan	L (L)	Citizens, Inc. Class A Common Stock	95	USD 5.23	USD 497	SEC filing ↗
2026-05-29	TAYLOR MARY	L (L)	Citizens, Inc. Class A Common Stock	95	USD 5.23	USD 497	SEC filing ↗
2026-05-29	HARWOOD MICHAEL PHILIP	L (L)	Citizens, Inc. Class A Common Stock	190	USD 5.23	USD 994	SEC filing ↗
2026-05-29	DAVIS CYNTHIA H	L (L)	Citizens, Inc. Class A Common Stock	57	USD 5.23	USD 298	SEC filing ↗
2026-05-29	Davis Jerry	L (L)	Citizens, Inc. Class A Common Stock	380	USD 5.23	USD 1,988	SEC filing ↗
2026-05-21	Stenberg Jon	Purchase (P)	Citizens, Inc. Class A Common Stock	10,000	USD 4.82	USD 48,200	SEC filing ↗
2026-05-05	Guerrero Paula L	L (L)	Citizens, Inc. Class A Common Stock	181	USD 5.48	USD 994	SEC filing ↗
2026-05-05	Hoxworth Seth Alan	L (L)	Citizens, Inc. Class A Common Stock	91	USD 5.48	USD 497	SEC filing ↗
2026-05-05	TAYLOR MARY	L (L)	Citizens, Inc. Class A Common Stock	91	USD 5.48	USD 497	SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date	2026-10-18
Ranking version	US-v1.2
Data quality	PASS ELIGIBLE · —
Ticker	CIA
CIK	0000024090
Sector	Financial Services
Industry	Insurance—Life Yahoo Finance
SEC SIC	6311 Life Insurance
Exchange	NYSE

Data coverage

Local Form 4 history	649 transaction lines from 2020-01-03 to 2026-08-31 53 P purchase lines · 1 S sale lines · 595 other lines
SEC company submissions	Open SEC filings ↗

Local ledger as of 2026-10-18. Mapping status is an audit field and does not erase SEC filing evidence.