CIA · CITIZENS, INC.

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Cap structure and valuation

Cap structure
SP	$3.72
SO	50.6M
Options	0.0M
Warrants	0.2M
FD SO	50.8M
MC	$189.0M

Cash	$17.0M
Total debt	—
EV	$172.0M

TTM Multiples
EV / Revenue	0.7x
EV / EBITDA	—
MC / Net Income	16.3x
EV / FCF	11.5x
MC / FCF	12.6x

Ownership & coverage
Institutional	29.0%
Insiders	11.4%
# Institutions	108
Analysts	1
Consensus	Strong Buy
Avg target	$5.00

Short % float	8.3%
Days to cover	37.99

MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-07-31. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-08-12 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-07-31; the float denominator can be unreliable on tiny floats.

Financial statements

	6/30/26	3/31/26	12/31/25	9/30/25
Total Revenue	60.41	59.72	72.07	62.81
Revenue YoY %	(7.2%)	7.3%	13.5%	1.7%
Gross Profit	9.95	0.28	9.45	(0.97)
Gross Profit YoY %	214.1%	194.7%	30.6%	(115.2%)
Gross Margin %	16.5%	0.5%	13.1%	(1.5%)

Pretax Income	(0.53)	2.37	7.86	4.48
Tax Provision	(0.10)	0.11	0.53	2.06
Net Income	(0.42)	2.27	7.34	2.42
Net Margin %	(0.7%)	3.8%	10.2%	3.8%

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Total Revenue	255.01	255.62	245.00	240.68	232.52
Revenue YoY %	(0.2%)	4.3%	1.8%	3.5%	—
Gross Profit	18.72	11.35	27.25	31.05	53.78
Gross Profit YoY %	65.0%	(58.4%)	(12.2%)	(42.3%)	—
Gross Margin %	7.3%	4.4%	11.1%	12.9%	23.1%

Pretax Income	14.19	17.47	14.98	26.17	27.38
Tax Provision	2.59	2.88	0.07	1.74	1.37
Net Income	11.60	14.59	14.91	24.44	26.01
Net Margin %	4.5%	5.7%	6.1%	10.2%	11.2%

Diluted Avg Shares	—	—	—	50.7	50.9
Basic Avg Shares	—	—	—	49.7	50.1

	6/30/26	3/31/26	12/31/25	9/30/25
Cash & Equivalents	16.96	18.52	22.98	23.12

Net PPE	9.17	9.67	9.84	9.58
Other Assets	1,725.93	1,711.31	1,721.95	1,709.66
Total Assets	1,752.06	1,739.50	1,754.76	1,742.37

Other Liabilities	1,516.90	1,500.83	1,519.78	1,516.76
Total Liabilities	1,516.90	1,500.83	1,519.78	1,516.76

Retained Earnings	73.50	73.92	71.65	64.31
Total Equity	235.16	238.67	234.99	225.60

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Cash & Equivalents	16.96	22.98	29.27	27.00	22.97
Short-term Investments	—	—	—	—	1.24

Net PPE	9.17	9.84	10.57	11.81	12.93
Long-term Investments	—	—	—	—	1,179.62
Other Assets	1,725.93	1,721.95	1,645.48	1,630.12	373.94
Total Assets	1,752.06	1,754.76	1,685.33	1,668.93	1,590.70

Other Liabilities	1,516.90	1,519.78	1,474.97	1,496.80	1,462.91
Total Liabilities	1,516.90	1,519.78	1,474.97	1,496.80	1,462.91

Retained Earnings	73.50	71.65	57.06	42.15	16.31
Total Equity	235.16	234.99	210.35	172.13	127.79

	6/30/26	3/31/26	12/31/25	9/30/25
Net Income	(0.42)	2.27	7.34	2.42
D&A	0.18	0.17	0.21	0.19
Δ Working Cap & Other	2.29	(2.76)	1.55	2.06
Operating Cash Flow	2.05	(0.32)	9.10	4.67

CapEx	(0.04)	(0.33)	(0.10)	(0.06)
Other Investing	(2.97)	(3.10)	(8.40)	(4.47)
Investing Cash Flow	(3.00)	(3.43)	(8.51)	(4.53)

Other Financing	(0.60)	(0.70)	(0.73)	—
Financing Cash Flow	(0.60)	(0.70)	(0.73)	0.31

Free Cash Flow	2.01	(0.65)	8.99	4.61

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Net Income	11.60	14.59	14.91	24.44	26.01
D&A	0.75	0.74	0.62	0.52	0.54
Stock-Based Comp	—	—	—	0.90	0.60
Δ Working Cap & Other	3.15	2.65	16.39	(3.80)	29.78
Operating Cash Flow	15.49	17.99	31.92	22.06	56.92

CapEx	(0.53)	(0.45)	(0.66)	(0.44)	(0.10)
Other Investing	(18.94)	(19.23)	(26.51)	(14.05)	(60.64)
Investing Cash Flow	(19.47)	(19.67)	(27.17)	(14.50)	(60.74)

Stock Issuance	—	—	—	0.00	2.24
Other Financing	(1.73)	(4.61)	(2.47)	(3.54)	(2.74)
Financing Cash Flow	(1.73)	(4.61)	(2.47)	(3.54)	(0.50)

Free Cash Flow	14.97	17.54	31.25	21.61	56.82

	6/30/26	3/31/26	12/31/25	9/30/25
Current Ratio	—	—	—	—
Quick Ratio	—	—	—	—
Debt / Equity	6.45	6.29	6.47	6.72
EBITDA Margin %	—	—	—	—
Working Capital	—	—	—	—
Net Debt	—	—	—	—
ROE %	(0.2%)	1.0%	3.1%	1.1%
ROA %	(0.0%)	0.1%	0.4%	0.1%

	LTM	12/31/25	12/31/24	12/31/23	12/31/22
Current Ratio	—	—	—	—	—
Quick Ratio	—	—	—	—	—
Debt / Equity	6.45	6.47	7.01	8.70	11.45
EBITDA Margin %	—	—	—	—	—
Working Capital	—	—	—	—	—
Net Debt	—	—	—	—	—
ROE %	4.9%	6.2%	7.1%	14.2%	20.4%
ROA %	0.7%	0.8%	0.9%	1.5%	1.6%

Insider activity (last 2 years)

Date Filed	Reporter	Relationship	Trans. Date	Code	Shares	Price	Total Value
2026-08-11	Stenberg Jon	Director, Officer (President & CEO)	2026-08-10	P	50,000	$3.99	$199,630
2026-07-16	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-07-14	J	(10,697)	—	$-0
2026-06-22	MCLAUGHLIN SEAN SAMUEL	Director	2026-06-17	A	7,042	—	$0
2026-06-22	HARWOOD MICHAEL PHILIP	Director	2026-06-17	A	7,042	—	$0
2026-06-22	TAYLOR MARY	Director	2026-06-17	M	12,012	—	$0
2026-06-22	TAYLOR MARY	Director	2026-06-17	M	(12,012)	—	$-0
2026-06-22	TAYLOR MARY	Director	2026-06-17	A	7,042	—	$0
2026-06-22	DAVIS CYNTHIA H	Director	2026-06-17	M	12,012	—	$0
2026-06-22	DAVIS CYNTHIA H	Director	2026-06-17	M	(12,012)	—	$-0
2026-06-22	DAVIS CYNTHIA H	Director	2026-06-17	A	7,042	—	$0
2026-06-22	Carlson Peter M	Director	2026-06-17	M	12,012	—	$0
2026-06-22	Carlson Peter M	Director	2026-06-17	M	(12,012)	—	$-0
2026-06-22	Carlson Peter M	Director	2026-06-17	A	7,042	—	$0
2026-06-22	Claus Christopher W	Director	2026-06-17	M	12,012	—	$0
2026-06-22	Claus Christopher W	Director	2026-06-17	M	(12,012)	—	$-0
2026-06-22	Claus Christopher W	Director	2026-06-17	A	7,042	—	$0
2026-06-22	HARWOOD MICHAEL PHILIP	Director	2026-05-29	L	190	$5.23	$994
2026-06-22	TAYLOR MARY	Director	2026-05-29	L	95	$5.23	$497
2026-06-22	DAVIS CYNTHIA H	Director	2026-05-29	L	57	$5.23	$298
2026-06-22	HARWOOD MICHAEL PHILIP	Director	2026-05-05	L	181	$5.48	$994
2026-06-22	TAYLOR MARY	Director	2026-05-05	L	90	$5.48	$497
2026-06-22	DAVIS CYNTHIA H	Director	2026-05-05	L	54	$5.48	$298
2026-06-22	HARWOOD MICHAEL PHILIP	Director	2026-04-07	L	91	$5.42	$498
2026-06-22	TAYLOR MARY	Director	2026-04-07	L	91	$5.42	$498
2026-06-22	TAYLOR MARY	Director	2026-02-27	L	88	$5.60	$497
2026-06-22	TAYLOR MARY	Director	2026-01-30	L	88	$5.61	$498
2026-06-04	Davis Jerry	Director	2026-05-29	L	380	$5.23	$1,988
2026-06-04	Davis Jerry	Director	2026-05-05	L	362	$5.48	$1,988
2026-06-04	Davis Jerry	Director	2026-04-07	L	367	$5.42	$1,990
2026-06-04	Davis Jerry	Director	2026-02-27	L	355	$5.60	$1,988
2026-06-04	Davis Jerry	Director	2026-01-30	L	354	$5.61	$1,990
2026-05-26	Stenberg Jon	Director, Officer (President & CEO)	2026-05-21	P	10,000	$4.82	$48,192
2026-04-20	DAVIS CYNTHIA H	Director	2026-04-07	L	55	$5.42	$299
2026-04-20	DAVIS CYNTHIA H	Director	2026-03-25	P	100	$4.53	$453
2026-04-20	DAVIS CYNTHIA H	Director	2026-02-27	L	53	$5.60	$298
2026-04-20	DAVIS CYNTHIA H	Director	2026-01-30	L	53	$5.61	$299
2026-04-02	Stenberg Jon	Director, Officer (President & CEO)	2026-03-31	M	13,186	—	$0
2026-04-02	Stenberg Jon	Director, Officer (President & CEO)	2026-03-31	F	(3,211)	$5.03	-$16,151
2026-04-02	Stenberg Jon	Director, Officer (President & CEO)	2026-03-31	M	(13,186)	—	$-0
2026-04-02	Stenberg Jon	Director, Officer (President & CEO)	2026-03-31	A	42,942	—	$0
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	M	5,860	—	$0
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	F	(1,427)	$5.03	-$7,178
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	M	9,668	—	$0
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	F	(2,355)	$5.03	-$11,846
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	M	(5,860)	—	$-0
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	M	(9,668)	—	$-0
2026-04-02	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-31	A	15,904	—	$0
2026-04-02	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-31	M	2,197	—	$0
2026-04-02	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-31	F	(516)	$5.03	-$2,595
2026-04-02	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-31	M	(2,197)	—	$-0
2026-04-02	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-31	A	5,964	—	$0
2026-04-02	Hoxworth Seth Alan	Officer (Chief Actuary)	2026-03-31	A	4,572	—	$0
2026-04-02	Hoxworth Seth Alan	Officer (Chief Actuary)	2026-03-31	A	5,964	—	$0
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	M	5,128	—	$0
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	F	(1,249)	$5.03	-$6,282
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	M	8,536	—	$0
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	F	(2,079)	$5.03	-$10,457
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	M	(5,128)	—	$-0
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	M	(8,536)	—	$-0
2026-04-02	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-31	A	13,916	—	$0
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	M	2,197	—	$0
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	F	(767)	$5.03	-$3,858
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	M	1,923	—	$0
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	F	(672)	$5.03	-$3,380
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	M	(2,197)	—	$-0
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	M	(1,923)	—	$-0
2026-04-02	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-31	A	5,964	—	$0
2026-03-31	Stenberg Jon	Director, Officer (President & CEO)	2026-03-30	P	50,000	$4.70	$235,000
2026-03-31	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-28	M	3,034	—	$0
2026-03-31	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-28	F	(1,066)	$4.58	-$4,882
2026-03-31	Guerrero Paula L	Officer (Chief Information Officer)	2026-03-28	M	(3,034)	—	$-0
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	M	2,587	—	$0
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	F	(764)	$4.58	-$3,499
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	M	4,673	—	$0
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	F	(1,379)	$4.58	-$6,316
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	M	(2,587)	—	$-0
2026-03-31	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2026-03-28	M	(4,673)	—	$-0
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	M	12,489	—	$0
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	F	(3,042)	$4.58	-$13,932
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	M	12,461	—	$0
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	F	(3,035)	$4.58	-$13,900
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	M	(12,489)	—	$-0
2026-03-31	Conklin Jeffery P.	Officer (CFO & Treasurer)	2026-03-28	M	(12,461)	—	$-0
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	M	15,172	—	$0
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	F	(3,695)	$4.58	-$16,923
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	M	10,903	—	$0
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	F	(2,655)	$4.58	-$12,160
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	M	(15,172)	—	$-0
2026-03-31	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2026-03-28	M	(10,903)	—	$-0
2026-03-31	Stenberg Jon	Director, Officer (President & CEO)	2026-03-28	M	20,310	—	$0
2026-03-31	Stenberg Jon	Director, Officer (President & CEO)	2026-03-28	F	(4,946)	$4.58	-$22,653
2026-03-31	Stenberg Jon	Director, Officer (President & CEO)	2026-03-28	M	(20,310)	—	$-0
2026-03-31	Guerrero Paula L	Officer (Chief Information Officer)	2026-02-27	L	177	$5.60	$994
2026-03-31	Guerrero Paula L	Officer (Chief Information Officer)	2026-01-30	L	177	$5.61	$995
2026-03-20	Stenberg Jon	Director, Officer (President & CEO)	2026-03-18	M	45,249	—	$0
2026-03-20	Stenberg Jon	Director, Officer (President & CEO)	2026-03-18	F	(11,944)	$4.63	-$55,301
2026-03-20	Stenberg Jon	Director, Officer (President & CEO)	2026-03-18	M	(45,249)	—	$-0
2026-03-19	Stenberg Jon	Director, Officer (President & CEO)	2026-03-17	P	10,000	$4.81	$48,075
2026-01-05	Waite Harvey J.	Officer (Chief Actuary)	2025-12-26	L	478	$5.19	$2,486
2026-01-05	Waite Harvey J.	Officer (Chief Actuary)	2025-11-28	L	418	$5.94	$2,488
2025-11-17	Davis Jerry	Director	2025-10-31	L	355	$5.60	$1,990
2025-11-17	Waite Harvey J.	Officer (Chief Actuary)	2025-10-30	L	444	$5.60	$2,487
2025-11-17	Davis Jerry	Director	2025-09-26	L	348	$5.71	$1,990
2025-11-17	Waite Harvey J.	Officer (Chief Actuary)	2025-09-26	L	435	$5.71	$2,487
2025-11-17	Davis Jerry	Director	2025-09-02	L	382	$5.20	$1,990
2025-11-17	Waite Harvey J.	Officer (Chief Actuary)	2025-09-02	L	478	$5.20	$2,487
2025-11-17	Davis Jerry	Director	2025-08-01	L	491	$4.04	$1,987
2025-11-17	Waite Harvey J.	Officer (Chief Actuary)	2025-08-01	L	614	$4.04	$2,484
2025-11-17	Davis Jerry	Director	2025-06-27	L	540	$3.67	$1,985
2025-08-19	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-08-15	M	2,625	—	$0
2025-08-19	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-08-15	F	(640)	$5.10	-$3,264
2025-08-19	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-08-15	M	(2,625)	—	$-0
2025-08-19	Guerrero Paula L	Officer (Chief Information Officer)	2025-08-15	M	2,708	—	$0
2025-08-19	Guerrero Paula L	Officer (Chief Information Officer)	2025-08-15	F	(660)	$5.10	-$3,366
2025-08-19	Guerrero Paula L	Officer (Chief Information Officer)	2025-08-15	M	(2,708)	—	$-0
2025-08-19	Guerrero Paula L	Officer (Chief Information Officer)	2025-08-01	L	245	$4.04	$994
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-07-15	M	1,278	—	$0
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-07-15	F	(312)	$3.30	-$1,030
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-07-15	M	(1,278)	—	$-0
2025-07-17	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-07-15	M	1,278	—	$0
2025-07-17	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-07-15	F	(312)	$3.30	-$1,030
2025-07-17	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-07-15	M	(1,278)	—	$-0
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-06-27	L	270	$3.67	$993
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-05-30	L	263	$3.77	$993
2025-07-17	Guerrero Paula L	Officer (Chief Information Officer)	2025-05-02	L	237	$4.17	$992
2025-07-09	TAYLOR MARY	Director	2025-06-30	J	0	$3.60	-$4
2025-07-09	TAYLOR MARY	Director	2025-06-27	L	135	$3.67	$496
2025-07-09	Waite Harvey J.	Officer (Chief Actuary)	2025-06-27	L	676	$3.67	$2,481
2025-07-09	Waite Harvey J.	Officer (Chief Actuary)	2025-05-30	L	658	$3.77	$2,483
2025-07-09	Waite Harvey J.	Officer (Chief Actuary)	2025-05-02	L	594	$4.17	$2,480
2025-07-09	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	L	544	$4.56	$2,485
2025-06-20	DAVIS CYNTHIA H	Director	2025-06-18	M	14,035	—	$0
2025-06-20	DAVIS CYNTHIA H	Director	2025-06-18	J	0	$3.40	-$1
2025-06-20	DAVIS CYNTHIA H	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	Claus Christopher W	Director	2025-06-18	M	14,035	—	$0
2025-06-20	Claus Christopher W	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	MORGAN JAMES KEITH	Director	2025-06-18	M	14,035	—	$0
2025-06-20	MORGAN JAMES KEITH	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	Davis Jerry	Director	2025-06-18	M	14,035	—	$0
2025-06-20	Davis Jerry	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	TAYLOR MARY	Director	2025-06-18	M	14,035	—	$0
2025-06-20	TAYLOR MARY	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	MANESS TERRY SAM	Director	2025-06-18	M	14,035	—	$0
2025-06-20	MANESS TERRY SAM	Director	2025-06-18	M	(14,035)	—	$-0
2025-06-20	Carlson Peter M	Director	2025-06-17	A	12,012	—	$0
2025-06-20	DAVIS CYNTHIA H	Director	2025-06-17	A	12,012	—	$0
2025-06-20	Claus Christopher W	Director	2025-06-17	A	12,012	—	$0
2025-06-20	MORGAN JAMES KEITH	Director	2025-06-17	A	12,012	—	$0
2025-06-20	Davis Jerry	Director	2025-06-17	A	12,012	—	$0
2025-06-20	TAYLOR MARY	Director	2025-06-17	A	12,012	—	$0
2025-06-20	MANESS TERRY SAM	Director	2025-06-17	A	12,012	—	$0
2025-06-20	DAVIS CYNTHIA H	Director	2025-05-30	L	79	$3.77	$298
2025-06-20	Davis Jerry	Director	2025-05-30	L	526	$3.77	$1,987
2025-06-20	TAYLOR MARY	Director	2025-05-30	L	131	$3.77	$497
2025-06-20	DAVIS CYNTHIA H	Director	2025-05-02	L	71	$4.17	$298
2025-06-20	TAYLOR MARY	Director	2025-05-02	L	118	$4.17	$496
2025-06-20	DAVIS CYNTHIA H	Director	2025-03-31	L	65	$4.56	$298
2025-06-20	TAYLOR MARY	Director	2025-03-31	L	108	$4.56	$497
2025-06-20	DAVIS CYNTHIA H	Director	2025-02-28	L	59	$5.00	$298
2025-06-20	TAYLOR MARY	Director	2025-02-28	L	99	$5.00	$497
2025-06-20	DAVIS CYNTHIA H	Director	2025-01-31	L	59	$5.00	$298
2025-06-20	TAYLOR MARY	Director	2025-01-31	L	99	$5.00	$497
2025-06-20	DAVIS CYNTHIA H	Director	2025-01-03	L	63	$4.68	$298
2025-06-20	TAYLOR MARY	Director	2025-01-03	L	106	$4.68	$497
2025-06-18	Stenberg Jon	Director, Officer (President & CEO)	2025-06-17	P	19,914	$3.33	$66,407
2025-06-02	Stenberg Jon	Officer (President & CEO)	2025-05-29	P	30,000	$3.69	$110,838
2025-06-02	Stenberg Jon	Officer (President & CEO)	2025-05-29	P	4,850	$3.80	$18,430
2025-05-29	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-05-28	P	2,500	$3.59	$8,968
2025-05-08	Davis Jerry	Director	2025-05-05	L	475	$4.17	$1,984
2025-05-08	Davis Jerry	Director	2025-03-31	L	435	$4.56	$1,988
2025-05-08	Davis Jerry	Director	2025-02-28	L	397	$5.00	$1,988
2025-05-08	Davis Jerry	Director	2025-01-31	L	397	$5.00	$1,989
2025-05-08	Davis Jerry	Director	2025-01-03	L	424	$4.68	$1,987
2025-04-10	Stenberg Jon	Officer (President & CEO)	2025-04-08	P	10,000	$4.20	$42,000
2025-04-09	Stenberg Jon	Officer (President & CEO)	2025-04-07	P	35,000	$3.65	$127,750
2025-04-09	Stenberg Jon	Officer (President & CEO)	2025-04-07	P	25,000	$3.95	$98,750
2025-04-09	Stenberg Jon	Officer (President & CEO)	2025-04-07	P	46,340	$4.03	$186,750
2025-04-02	Shields Gerald	Director	2025-03-31	M	27,472	—	$0
2025-04-02	Shields Gerald	Director	2025-03-31	A	27,472	—	$0
2025-04-02	Shields Gerald	Director	2025-03-31	M	(27,472)	—	$-0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	M	5,688	—	$0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	F	(1,621)	$4.55	-$7,376
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	M	7,762	—	$0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	F	(2,212)	$4.55	-$10,065
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	M	(5,688)	—	$-0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	M	(7,762)	—	$-0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-31	A	9,670	—	$0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	M	7,847	—	$0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	F	(1,911)	$4.55	-$8,695
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	M	9,668	—	$0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	F	(2,355)	$4.55	-$10,715
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	M	(7,847)	—	$-0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	M	(9,668)	—	$-0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-31	A	17,582	—	$0
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-31	A	6,593	—	$0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-31	M	6,187	—	$0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-31	M	12,668	—	$0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-31	M	(6,187)	—	$-0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-31	M	(12,668)	—	$-0
2025-04-01	Guerrero Paula L	Officer (Chief Information Officer)	2025-03-31	A	5,769	—	$0
2025-04-01	Guerrero Paula L	Officer (Chief Information Officer)	2025-03-31	A	6,593	—	$0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	M	3,171	—	$0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	F	(773)	$4.55	-$3,517
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	M	8,535	—	$0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	F	(2,079)	$4.55	-$9,459
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	M	(3,171)	—	$-0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	M	(8,535)	—	$-0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-31	A	15,384	—	$0
2025-04-01	Stenberg Jon	Officer (President & CEO)	2025-03-31	A	39,560	—	$0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	M	15,070	—	$0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	F	(4,293)	$4.66	-$20,005
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	M	6,853	—	$0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	F	(1,952)	$4.66	-$9,096
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	M	(15,070)	—	$-0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-03-28	M	(6,853)	—	$-0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	M	12,489	—	$0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	F	(3,041)	$4.66	-$14,171
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	M	12,461	—	$0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	F	(3,034)	$4.66	-$14,138
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	M	(12,489)	—	$-0
2025-04-01	Conklin Jeffery P.	Officer (CFO & Treasurer)	2025-03-28	M	(12,461)	—	$-0
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	M	2,587	—	$0
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	F	(767)	$4.66	-$3,574
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	M	4,673	—	$0
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	F	(1,386)	$4.66	-$6,459
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	M	(2,587)	—	$-0
2025-04-01	Lewis Bryon Matthew	Officer (Chief Operations Officer)	2025-03-28	M	(4,673)	—	$-0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-28	M	19,130	—	$0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-28	M	10,903	—	$0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-28	M	(19,310)	—	$-0
2025-04-01	Mauldin Robert M III	Officer (VP, Chief Marketing Officer)	2025-03-28	M	(10,903)	—	$-0
2025-04-01	Guerrero Paula L	Officer (Chief Information Officer)	2025-03-28	M	3,034	—	$0
2025-04-01	Guerrero Paula L	Officer (Chief Information Officer)	2025-03-28	F	(900)	$4.66	-$4,194
2025-04-01	Guerrero Paula L	Officer (Chief Information Officer)	2025-03-28	M	(3,034)	—	$-0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	M	15,172	—	$0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	F	(3,694)	$4.66	-$17,214
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	M	10,903	—	$0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	F	(2,655)	$4.66	-$12,372
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	M	(15,172)	—	$-0
2025-04-01	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2025-03-28	M	(10,903)	—	$-0
2025-04-01	Stenberg Jon	Officer (President & CEO)	2025-03-28	M	20,309	—	$0
2025-04-01	Stenberg Jon	Officer (President & CEO)	2025-03-28	F	(4,945)	$4.66	-$23,044
2025-04-01	Stenberg Jon	Officer (President & CEO)	2025-03-28	M	(20,309)	—	$-0
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-02-28	L	496	$5.00	$2,485
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-01-31	L	497	$5.00	$2,486
2025-04-01	Waite Harvey J.	Officer (Chief Actuary)	2025-01-03	L	530	$4.68	$2,484
2025-03-20	Stenberg Jon	Officer (President & CEO)	2025-03-18	M	45,249	—	$0
2025-03-20	Stenberg Jon	Officer (President & CEO)	2025-03-18	F	(11,061)	$4.88	-$53,978
2025-03-20	Stenberg Jon	Officer (President & CEO)	2025-03-18	M	(45,249)	—	$-0
2024-11-12	Davis Jerry	Director	2024-11-01	L	413	$4.80	$1,987
2024-11-12	Waite Harvey J.	Officer (VP, Chief Actuary)	2024-11-01	L	517	$4.80	$2,484
2024-11-12	Davis Jerry	Director	2024-10-04	L	484	$4.10	$1,985
2024-11-12	Waite Harvey J.	Officer (VP, Chief Actuary)	2024-10-04	L	605	$4.10	$2,481
2024-11-12	Davis Jerry	Director	2024-08-30	L	664	$2.98	$1,979
2024-11-12	Waite Harvey J.	Officer (VP, Chief Actuary)	2024-08-30	L	830	$2.98	$2,473
2024-11-12	Davis Jerry	Director	2024-08-02	L	739	$2.67	$1,976
2024-11-12	Waite Harvey J.	Officer (VP, Chief Actuary)	2024-08-02	L	924	$2.67	$2,470
2024-11-12	Davis Jerry	Director	2024-06-28	L	711	$2.78	$1,977
2024-11-05	Lewis Bryon Matthew	Officer (VP, Operations)	2024-11-01	M	1,032	—	$0
2024-11-05	Lewis Bryon Matthew	Officer (VP, Operations)	2024-11-01	F	(252)	$4.59	-$1,157
2024-11-05	Lewis Bryon Matthew	Officer (VP, Operations)	2024-11-01	M	(1,032)	—	$-0
2024-11-05	Lewis Bryon Matthew	Officer (VP, Operations)	2024-08-30	L	165	$2.98	$495
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-10-08	J	0	$4.66	-$4
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-10-04	L	129	$3.81	$494
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-09-20	L	152	$3.24	$494
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-09-06	L	153	$3.21	$493
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-08-23	L	159	$3.10	$493
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-08-09	L	176	$2.79	$493
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-07-19	L	183	$2.68	$493
2024-10-10	Kinlaw Sheryl L	Officer (Chief Legal Officer)	2024-07-05	L	182	$2.70	$493
2024-09-18	Stenberg Jon	Officer (President & CEO)	2024-09-16	P	11,934	$2.99	$35,683
2024-09-11	Stenberg Jon	Officer (President & CEO)	2024-09-09	P	95	$2.99	$284
2024-09-09	Stenberg Jon	Officer (President & CEO)	2024-09-05	P	12,202	$2.96	$36,118
2024-09-09	Stenberg Jon	Officer (President & CEO)	2024-09-05	P	356	$2.93	$1,043
2024-09-05	Stenberg Jon	Officer (President & CEO)	2024-09-04	P	39,298	$2.99	$117,501
2024-09-05	Stenberg Jon	Officer (President & CEO)	2024-09-04	P	5,465	$3.03	$16,559
2024-09-05	Stenberg Jon	Officer (President & CEO)	2024-09-03	P	7,869	$2.99	$23,528
2024-08-20	Stenberg Jon	Officer (President & CEO)	2024-08-16	P	1,736	$2.77	$4,809
2024-08-19	Lewis Bryon Matthew	Officer (VP, Operations)	2024-08-15	M	2,625	—	$0
2024-08-19	Lewis Bryon Matthew	Officer (VP, Operations)	2024-08-15	F	(616)	$2.80	-$1,725
2024-08-19	Lewis Bryon Matthew	Officer (VP, Operations)	2024-08-15	M	(2,625)	—	$-0
2024-08-19	Lewis Bryon Matthew	Officer (VP, Operations)	2024-08-02	L	184	$2.67	$494
2024-08-16	Stenberg Jon	Officer (President & CEO)	2024-08-15	P	600	$2.77	$1,662
2024-08-16	Stenberg Jon	Officer (President & CEO)	2024-08-14	P	2,155	$2.73	$5,883
2024-08-14	Stenberg Jon	Officer (President & CEO)	2024-08-13	P	1,036	$2.73	$2,828
2024-08-14	Stenberg Jon	Officer (President & CEO)	2024-08-12	P	4,090	$2.73	$11,166
2024-08-12	Stenberg Jon	Officer (President & CEO)	2024-08-09	P	1,950	$2.65	$5,168
2024-08-12	Stenberg Jon	Officer (President & CEO)	2024-08-09	P	1,950	$2.65	$5,168
2024-08-12	Stenberg Jon	Officer (President & CEO)	2024-08-08	P	10,607	$2.74	$29,063
2024-08-12	Stenberg Jon	Officer (President & CEO)	2024-08-08	P	3,514	$2.60	$9,136
2024-08-12	Stenberg Jon	Officer (President & CEO)	2024-08-08	P	3,514	$2.60	$9,136