CIA vs ATLO

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

Both CIA and ATLO are from the Financial Services sector.

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

CIA vs ATLO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

CIA

$267M

ATLO

$267M

Max Drawdown

CIA

85.54%

Winner

ATLO

66.71%

Sharpe Ratio

CIA

0.91

Winner

ATLO

2.80

5Y Beta

CIA

1.27

Winner

ATLO

0.56

Industry

CIA

Insurance - Life

ATLO

Banks - Regional

P/E Ratio

CIA

95.83

Winner

ATLO

12.42

Forward P/E

CIA

18.35

Winner

ATLO

12.76

PEG Ratio

CIA

1.21

Winner

ATLO

0.14

Dividend Yield

CIA

N/A

ATLO

2.13%

5Y Dividends CAGR

CIA

N/A

ATLO

-2.72%

5Y EPS CAGR

CIA

N/A

ATLO

0.77%

Debt to Equity

CIA

0.00%

ATLO

0.00%

Free Cash Flow Yield

CIA

6.08%

Winner

ATLO

8.13%

P/S Ratio

Winner

CIA

1.07

ATLO

3.87

P/B Ratio

Winner

CIA

1.14

ATLO

1.27

CIA vs ATLO - Historical Returns

Returns include dividend reinvestment.

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

CIA

+8.05%

Winner

ATLO

+10.41%

Winner

CIA

+16.77%

ATLO

+12.64%

CIA

+5.42%

Winner

ATLO

+28.57%

CIA

+69.37%

Winner

ATLO

+78.49%

5Y(CAGR)

CIA

+1.99%

Winner

ATLO

+8.95%

10Y(CAGR)

CIA

-3.29%

Winner

ATLO

+6.34%

Max(CAGR)

CIA

+0.41%

Winner

ATLO

+6.12%

CIA vs ATLO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

CIA vs ATLO Drawdown Comparison

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

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

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

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