CIA_OUT_1 [2025-04-02 09:41:56 -0400] 2608 Bytes | 679 tokens | Cum: 679 tkns (8.49% of 8k)
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We are in the 'Lightning Round' baby! It's 9:41:55 AM on Wed Apr 02, 2025 -0400, and I'm firing up the spotlight on Citizens (CIA), moving from 4.56 to 5.61. Is this a can’t-miss rocket or a one-hit wonder? Let’s dissect the numbers!

--- COMPANY PROFILE ---
Company: Citizens (CIA)
IPO: 1988-12-30 (36 Years Ago)
Market Cap: $227,577,539
Shares Outstanding: 49,910,000
Industry: LIFE INSURANCE
Exchange: XNYS
Description: 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 Life Insurance segment and the Home Service Insurance segment. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.

Here's the first list of news for Citizens:

C1 - Mar-26-25 07:00AM - Presenting on the Emerging Growth Conference 80 Day 2 on March 27 Register Now
C2 - Mar-25-25 07:00AM - Presenting on the Emerging Growth Conference 80, Day 1 on March 26 - Register Now
C3 - Mar-13-25 06:32PM - Citizens: Q4 Earnings Snapshot
C4 - Mar-13-25 06:32PM 04:05PM - Citizens, Inc. Reports Full Year and Fourth Quarter 2024 Financial Results
C5 - Feb-25-25 10:40AM - Why Citizens, Inc. (CIA) Is Skyrocketing So Far In 2025
C6 - Feb-03-25 09:20AM - Citizens, Inc. Vice President of Information Technology Paula Guerrero Appointed Chief Information Officer
C7 - Jan-30-25 09:20AM - Citizens, Inc. Vice President of Operations Bryon Matthew Lewis Appointed Chief Operating Officer
C8 - Nov-27-24 04:05PM - Citizens, Inc. Announces Filing of Form S-3 to Replace Expiring Shelf Registration Statement

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on Citizens (CIA)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

CIA_OUT_3 [2025-04-02 09:42:02 -0400] 1102 Bytes | 278 tokens | Cum: 959 tkns (11.99% of 8k)
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Showing C5 (chunk 1 of 4): C5:
**Why Citizens, Inc. (CIA) Is Skyrocketing So Far In 2025**
Date: Feb-25-25 10:40AM
Source: (Insider Monkey)
URL: https://finance.yahoo.com/news/why-citizens-inc-cia-skyrocketing-154020894.html

We recently published an article titledWhyThese 15 Insurance Stocks Are Skyrocketing So Far In 2025. In this article, we are going to take a look at where Citizens, Inc. (NYSE:CIA) stands against the other insurance stocks.

Insurance stocks are back in the spotlight after Berkshire Hathaway’s annual shareholder report for 2024. These stocks are not only benefiting from stable cash flows, but they are also benefiting from higher investment yields and premium growth as inflation trends have benefited insurers.

Moreover, AI and tech innovations are starting to spill over into many other industries, which include insurance. It is also benefiting from a demographic tailwind as the growing “silve

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

CIA_OUT_5 [2025-04-02 09:42:03 -0400] 839 Bytes | 235 tokens | Cum: 1299 tkns (16.24% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-04-02T06:38:25Z - USAID And The Architecture Of Perception - Russia News Now...
A2 - 2025-04-02T06:08:08Z - USAID And The Architecture Of Perception - Conservative Angle...
A3 - 2025-04-02T05:33:23Z - USAID and the Architecture of Perception ⋆ Brownstone Institute...
A4 - 2025-04-02T04:26:57Z - Chinese national caught smuggling immigrants to little-known US territory...
A5 - 2025-04-02T04:46:19Z - Unilateral Disarmament in the New Cold Wars...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

CIA_OUT_7 [2025-04-02 09:42:07 -0400] 321 Bytes | 94 tokens | Cum: 1395 tkns (17.44% of 8k)
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Showing A1 (chunk 1 of 1):

[INFO] Your document request exceeded 20000 characters. If you need more, please request additional documents separately.

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

CIA_OUT_9 [2025-04-02 09:42:09 -0400] 794 Bytes | 264 tokens | Cum: 1699 tkns (21.24% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2024-07-15T11:22:54Z - Citizens And 4 Other Stocks Under $5 Insiders Are Buying - Benzinga
B2 - 2024-04-09T13:03:43Z - Citizens And 2 Other Stocks Under $3 Insiders Are Buying
B3 - 2024-03-28T11:14:55Z - Journey Medical And 2 Other Stocks Under $4 Insiders Are Buying
B4 - 2024-03-25T10:33:28Z - AIM ImmunoTech And 3 Other Stocks Under $3 Insiders Are Buying
B5 - 2024-02-21T13:26:59Z - Rezolute And 3 Other Penny Stocks Insiders Are Buying
B6 - 2023-08-11T07:10:36Z - Citizens And 2 Other Penny Stocks Insiders Are Buying

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

CIA_OUT_11 [2025-04-02 09:42:13 -0400] 655 Bytes | 190 tokens | Cum: 1891 tkns (23.64% of 8k)
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Showing B1 (chunk 1 of 1): B1:
**Citizens And 4 Other Stocks Under $5 Insiders Are Buying - Benzinga**Date: Unknown DateSource: Unknown SourceURL: https://www.benzinga.com/trading-ideas/long-ideas/24/07/39769009/citizens-and-4-other-stocks-under-5-insiders-are-buyingInsiders have been buying shares in several penny stocks, including ARCA biopharma, Citizens, Willamette Valley Vineyards, Cyanotech, and Douglas Elliman. This indicates their confidence in the companies' prospects.

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

CIA_OUT_13 [2025-04-02 09:42:14 -0400] 795 Bytes | 221 tokens | Cum: 2171 tkns (27.14% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S9 - 2025-03-13 8-K Item 2.02 Results of Oper and Fin Cond.

On March 13, 2025, the Company issued a press release regarding its financial results for the full year and quarter ended December 31, 2024. A copy of the Companys press release is attached hereto as Exhibit 99.1.

The i...

S10 - 2025-03-13 10-K Item 7. MGT'S DISC & ANALYSIS OF FIN COND & RESULTS OF OPER

This section of this Annual Report on Form 10-K generally discusses 2024 and 2023 items and year-to-year comparisons between 2024 and 2023. This discussion should be read in conjunct...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

CIA_OUT_15 [2025-04-02 09:42:18 -0400] 843 Bytes | 216 tokens | Cum: 2389 tkns (29.86% of 8k)
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Showing S9 (chunk 1 of 1): S9:
Item 2.02 Results of Operations and Financial Condition.

On March 13, 2025, the Company issued a press release regarding its financial results for the full year and quarter ended December 31, 2024. A copy of the Companys 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....

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

CIA_OUT_17 [2025-04-02 09:42:31 -0400] 9391 Bytes | 2869 tokens | Cum: 5347 tkns (66.84% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+---------------------+----------------------+-------------------------+------------------------+
| Volume: 0 | Perf Month: -8.06% | Option/Short: Yes / Yes | Sales Y/Y TTM: 1.80% |
+---------------------+----------------------+-------------------------+------------------------+
| Avg Volume: 111.60K | Perf Quarter: 5.56% | Short Float: 9.94% | ROE: 7.80% |
+---------------------+----------------------+-------------------------+------------------------+
| Rel Volume: 0.00 | Index: - | Short Ratio: 39.82 | ROI: 6.88% |
+---------------------+----------------------+-------------------------+------------------------+
| RSI (14): 42.94 | Market Cap: 227.58M | Short Interest: 4.44M | Sales Surprise: -3.53% |
+---------------------+----------------------+-------------------------+------------------------+
| ATR (14): 0.32 | Shs Outstand: 49.91M | Beta: 0.42 | EPS Surprise: -30.00% |
+---------------------+----------------------+-------------------------+------------------------+
| SMA20: -3.89% | Shs Float: 44.70M | Sales Q/Q: -5.05% | P/E: 15.44 |
+---------------------+----------------------+-------------------------+------------------------+
| SMA50: -7.43% | Inst Own: 17.08% | Sales past 5Y: 0.08% | Earnings: Mar 14 BMO |
+---------------------+----------------------+-------------------------+------------------------+
| SMA200: 14.02% | Insider Own: 10.44% | Employees: 250 | |
+---------------------+----------------------+-------------------------+------------------------+
| Perf Week: -10.94% | Insider Trans: 0.00% | Debt/Eq: 0.04 | |
+---------------------+----------------------+-------------------------+------------------------+

The next section covers any insider trading.
If this section may be blank due to no recent filings.

Inside Trans: CITIZENS, INC. (CIA) by Waite Harvey J. (Chief Actuary) on 2025-01-03
- Citizens, Inc. Class A Common Stock: 530.8426 shares at $4.68 (D) Footnote: These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
- Citizens, Inc. Class A Common Stock: 497.1868 shares at $5 (D) Footnote: These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
- Citizens, Inc. Class A Common Stock: 496.9228 shares at $5 (D) Footnote: These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
- Citizens, Inc. Class A Common Stock: 15070 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 4293 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 6853 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 1952 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 5688 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 1621 shares at $4.55 (D)
- Citizens, Inc. Class A Common Stock: 7762 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 2212 shares at $4.55 (D)
- Restricted Stock Units: 15070 shares at $0 (D)
- Restricted Stock Units: 6853 shares at $0 (D)
- Restricted Stock Units: 5688 shares at $0 (D)
- Restricted Stock Units: 7762 shares at $0 (D)
- Restricted Stock Units: 9670 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Conklin Jeffery P. (CFO & Treasurer) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 12489 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 3041 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 12461 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 3034 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 7847 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 1911 shares at $4.55 (D)
- Citizens, Inc. Class A Common Stock: 9668 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 2355 shares at $4.55 (D)
- Restricted Stock Units: 12489 shares at $0 (D)
- Restricted Stock Units: 12461 shares at $0 (D)
- Citizens, Inc. Class A Common Stock: 7847 shares at $0 (D)
- Restricted Stock Units: 9668 shares at $0 (D)
- Restricted Stock Units: 17582 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Lewis Bryon Matthew (Chief Operations Officer) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 2587 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 767 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 4673 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 1386 shares at $4.66 (D)
- Restricted Stock Units: 2587 shares at $0 (D)
- Restricted Stock Units: 4673 shares at $0 (D)
- Restricted Stock Units: 6593 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Mauldin Robert M III (VP, Chief Marketing Officer) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 19130 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 10903 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 6187 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 12668 shares at $N/A (D)
- Restricted Stock Units: 19310 shares at $0 (D)
- Restricted Stock Units: 10903 shares at $0 (D)
- Citizens, Inc. Class A Common Stock: 6187 shares at $0 (D)
- Restricted Stock Units: 12668 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Guerrero Paula L (Chief Information Officer) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 3034 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 900 shares at $4.66 (D)
- Restricted Stock Units: 3034 shares at $0 (D)
- Restricted Stock Units: 5769 shares at $0 (D)
- Restricted Stock Units: 6593 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Kinlaw Sheryl L (Chief Legal Officer) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 15172 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 3694 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 10903 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 2655 shares at $4.66 (D)
- Citizens, Inc. Class A Common Stock: 3171 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 773 shares at $4.55 (D)
- Citizens, Inc. Class A Common Stock: 8535 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 2079 shares at $4.55 (D)
- Restricted Stock Units: 15172 shares at $0 (D)
- Restricted Stock Units: 10903 shares at $0 (D)
- Restricted Stock Units: 3171 shares at $0 (D)
- Restricted Stock Units: 8535 shares at $0 (D)
- Restricted Stock Units: 15384 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Stenberg Jon (President & CEO) on 2025-03-28
- Citizens, Inc. Class A Common Stock: 20309 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 4945 shares at $4.66 (D)
- Restricted Stock Units: 20309 shares at $0 (D)
- Restricted Stock Units: 39560 shares at $0 (D)

Inside Trans: CITIZENS, INC. (CIA) by Stenberg Jon (President & CEO) on 2025-03-18
- Citizens, Inc. Class A Common Stock: 45249 shares at $N/A (D)
- Citizens, Inc. Class A Common Stock: 11061 shares at $4.88 (D)
- Restricted Stock Units: 45249 shares at $0 (D)

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 248376000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': 22032000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 4.615
Average Volume: 113069.43
30-Day High: 5.26
30-Day Low: 4.21

[Detailed Financials: Q3 2024]
- Total Assets: $1,735,809,000.0
- Total Liabilities: $1,528,236,000.0
- Total Equity: $207,573,000.0
- Current Assets: $1,735,809,000.0
- Current Liabilities: $1,528,236,000.0

[Income Statement: Q3 2024]
- Revenue: $61,731,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): N/A

[Cash Flow Statement: Q3 2024]
- Net Cash Flow: $6,038,000.0

[Detailed Financials: Q2 2024]
- Total Assets: $1,662,473,000.0
- Total Liabilities: $1,471,004,000.0
- Total Equity: $191,469,000.0
- Current Assets: $1,662,473,000.0
- Current Liabilities: $-191,469,000.0

[Income Statement: Q2 2024]
- Revenue: $62,084,000.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): N/A

[Cash Flow Statement: Q2 2024]
- Net Cash Flow: $3,102,000.0
==== END OF FINANCIAL REPORT ====

You are now requested to make a summary analysis.
Save explaining why you didn't have enough information for the final survey.

Now, complete this report with the following:

1) Brief Summary: explain your findings in succinct wording.
2) MARKET_SCORE: If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
3) PRICE_TARGET: If you think the high today will be 50% higher, add to the price.
Eg., If the current price is $5.00, add 50%. Thus, PRICE_TARGET[$7.50] -- It should be at or above the current price.
4) Provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-12 words headline for news story, distilled from summary]

1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

CIA_OUT_19 [2025-04-02 09:42:34 -0400] 676 Bytes | 167 tokens | Cum: 5810 tkns (72.62% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings (10-K, 10-Q, 8-K) Financials, risk disclosures, and business changes
-> X3 <- More SEC Insider Trading (Form 3, 4, 5) Direct buys/sells from executives and institutions
-> X4 <- Broader sector & market news
-> X5 <- Your past analysis on similar companies (specify metrics)
-> X6 <- More financial metrics
-> X7 <- Your past analysis on this exact company
-> X8 <- Something altogether different (explain...)

CIA_IN_21 [2025-04-02 09:42:35 -0400] 126 Bytes | 29 tokens | Cum: 5917 tkns (73.96% of 8k)
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====================================
[2025-04-02 09:42:35] # Analysis Completed
Elapsed Time: 39.56 seconds