ATLO vs CIA

Comparison between Ames National Corp (ATLO, Company) and Citizens Inc - Class A (CIA, Company).

Both ATLO and CIA are from the Financial Services sector.

5-Year PerformanceATLO has outperformed CIA, delivering a return of +8.9% compared to +2.0%

ATLO vs CIA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ATLO(COMPANY)	CIA(COMPANY)
Market Cap	$267M	$267M
Max Drawdown	66.71%	85.54%
Sharpe Ratio	2.80	0.91
5Y Beta	0.56	1.27
Industry	Banks - Regional	Insurance - Life
P/E Ratio	12.42	95.83
Forward P/E	12.76	18.35
PEG Ratio	0.14	1.21
Dividend Yield	2.13%	N/A
5Y Dividends CAGR	-2.72%	N/A
5Y EPS CAGR	0.77%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	8.13%	6.08%
P/S Ratio	3.87	1.07
P/B Ratio	1.27	1.14

Market Cap

ATLO

$267M

Winner

CIA

$267M

Max Drawdown

Winner

ATLO

66.71%

CIA

85.54%

Sharpe Ratio

Winner

ATLO

2.80

CIA

0.91

5Y Beta

Winner

ATLO

0.56

CIA

1.27

Industry

ATLO

Banks - Regional

CIA

Insurance - Life

P/E Ratio

Winner

ATLO

12.42

CIA

95.83

Forward P/E

Winner

ATLO

12.76

CIA

18.35

PEG Ratio

Winner

ATLO

0.14

CIA

1.21

Dividend Yield

ATLO

2.13%

CIA

N/A

5Y Dividends CAGR

ATLO

-2.72%

CIA

N/A

5Y EPS CAGR

ATLO

0.77%

CIA

N/A

Debt to Equity

ATLO

0.00%

CIA

0.00%

Free Cash Flow Yield

Winner

ATLO

8.13%

CIA

6.08%

P/S Ratio

ATLO

3.87

Winner

CIA

1.07

P/B Ratio

ATLO

1.27

Winner

CIA

1.14

ATLO vs CIA - Historical Returns

Returns include dividend reinvestment.

Period	ATLO	CIA
1 month	+10.41%	+8.05%
3 months	+12.64%	+16.77%
6 months	+28.57%	+5.42%
1 year	+78.49%	+69.37%
5 years(CAGR)	+8.95%	+1.99%
10 years(CAGR)	+6.34%	-3.29%
Max(CAGR)	+6.12%	+0.41%

Winner

ATLO

+10.41%

CIA

+8.05%

ATLO

+12.64%

Winner

CIA

+16.77%

Winner

ATLO

+28.57%

CIA

+5.42%

Winner

ATLO

+78.49%

CIA

+69.37%

5Y(CAGR)

Winner

ATLO

+8.95%

CIA

+1.99%

10Y(CAGR)

Winner

ATLO

+6.34%

CIA

-3.29%

Max(CAGR)

Winner

ATLO

+6.12%

CIA

+0.41%

ATLO vs CIA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ATLO	CIA
2026	+34.76%	+13.25%
2025	+46.03%	+12.06%
2024	-18.79%	+47.43%
2023	-3.09%	+29.33%
2022	+1.76%	-60.41%
2021	+9.64%	-5.01%
2020	-9.42%	-17.44%
2019	+11.85%	-10.48%
2018	-6.63%	+0.00%
2017	-13.33%	-26.87%
2016	+46.16%	+40.29%
2015	-1.61%	-5.83%
2014	+20.29%	-10.48%
2013	+2.94%	-23.65%
2012	+14.47%	+10.17%
2011	-7.89%	+24.39%
2010	+4.89%	+11.36%
2009	-19.84%	-30.83%
2008	+46.71%	+63.30%
2007	-2.25%	-19.86%
2006	-15.44%	+20.44%
2005	-3.93%	-6.09%
2004	+43.31%	-33.71%
2003	+30.91%	+28.51%
2002	+21.65%	-40.43%
2001	-24.12%	+84.00%
2000	+8.86%	+1.82%
1999	N/A	+19.35%

ATLO vs CIA Drawdown Comparison

The maximum drawdown for ATLO was -63.72%, occurring on Mar 9, 2009. Recovery took 2071 trading sessions.

The maximum drawdown for CIA was -85.54%, occurring on May 9, 2023. This drawdown has not yet recovered.

The current ATLO drawdown is -0.89%. The current CIA drawdown is -51.75%.

Rank	ATLO	CIA
#1	-63.72% Sep 18, 2008 - Dec 8, 2016	-85.54% Dec 19, 2016 - May 9, 2023
#2	-57.26% Jul 20, 2005 - Sep 18, 2008	-60.47% Dec 18, 2001 - Dec 19, 2016
#3	-54.69% Mar 26, 2001 - Sep 8, 2004	-25.22% Jan 11, 2000 - May 29, 2001
#4	-45.46% Dec 9, 2016 - Dec 11, 2025	-19.30% Nov 12, 1999 - Jan 11, 2000
#5	-27.27% Dec 29, 2000 - Mar 26, 2001	-18.29% May 31, 2001 - Jul 18, 2001
#6	-23.33% Dec 2, 2004 - Jun 6, 2005	-15.38% Sep 6, 2001 - Nov 30, 2001
#7	-9.33% Jun 13, 2005 - Jul 20, 2005	-8.38% Jul 18, 2001 - Aug 15, 2001
#8	-7.09% Apr 9, 2026 - Jun 5, 2026	-7.55% Dec 7, 2001 - Dec 18, 2001
#9	-5.77% Feb 15, 2000 - Apr 3, 2000	-3.08% Aug 24, 2001 - Aug 31, 2001
#10	-5.17% Feb 17, 2026 - Mar 30, 2026	-2.40% Nov 30, 2001 - Dec 4, 2001
#11	-4.77% Dec 12, 2025 - Jan 21, 2026	-2.11% Nov 2, 1999 - Nov 5, 1999
#12	-2.33% Feb 6, 2026 - Feb 17, 2026	-2.08% Nov 5, 1999 - Nov 11, 1999
#13	-2.10% Sep 14, 2004 - Oct 26, 2004	-1.67% Aug 20, 2001 - Aug 22, 2001
#14	-2.08% Oct 28, 2004 - Nov 9, 2004	N/A
#15	-0.89% Jun 12, 2026 - Jun 15, 2026	N/A