CIA vs FUND

Comparison between Citizens Inc - Class A (CIA, Company) and Sprott Focus Trust Inc (FUND, Company).

Both CIA and FUND are from the Financial Services sector.

5-Year PerformanceFUND has outperformed CIA, delivering a return of +11.1% compared to +2.7%

CIA vs FUND - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CIA(COMPANY)	FUND(COMPANY)
Market Cap	$291M	$291M
Max Drawdown	85.54%	71.62%
Sharpe Ratio	1.27	1.93
5Y Beta	1.26	0.76
Industry	Insurance - Life	Asset Management
P/E Ratio	104.20	5.20
Forward P/E	18.94	N/A
Dividend Yield	N/A	5.79%
5Y Dividends CAGR	N/A	2.08%
5Y EPS CAGR	N/A	-2.11%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	5.59%	0.00%

Market Cap

CIA

$291M

Winner

FUND

$291M

Max Drawdown

CIA

85.54%

Winner

FUND

71.62%

Sharpe Ratio

CIA

1.27

Winner

FUND

1.93

5Y Beta

CIA

1.26

Winner

FUND

0.76

Industry

CIA

Insurance - Life

FUND

Asset Management

P/E Ratio

CIA

104.20

Winner

FUND

5.20

Forward P/E

CIA

18.94

FUND

N/A

Dividend Yield

CIA

N/A

FUND

5.79%

5Y Dividends CAGR

CIA

N/A

FUND

2.08%

5Y EPS CAGR

CIA

N/A

FUND

-2.11%

Debt to Equity

CIA

0.00%

FUND

0.00%

Free Cash Flow Yield

Winner

CIA

5.59%

FUND

0.00%

CIA vs FUND - Historical Returns

Returns include dividend reinvestment.

Period	CIA	FUND
1 month	+16.53%	-1.13%
3 months	+26.35%	+5.08%
6 months	+1.92%	+16.01%
1 year	+72.06%	+39.38%
5 years(CAGR)	+2.70%	+11.09%
10 years(CAGR)	-3.23%	+12.53%
Max(CAGR)	+0.55%	+10.71%

Winner

CIA

+16.53%

FUND

-1.13%

Winner

CIA

+26.35%

FUND

+5.08%

CIA

+1.92%

Winner

FUND

+16.01%

Winner

CIA

+72.06%

FUND

+39.38%

5Y(CAGR)

CIA

+2.70%

Winner

FUND

+11.09%

10Y(CAGR)

CIA

-3.23%

Winner

FUND

+12.53%

Max(CAGR)

CIA

+0.55%

Winner

FUND

+10.71%

CIA vs FUND - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CIA	FUND
2026	+17.47%	+15.47%
2025	+12.06%	+27.06%
2024	+47.43%	-0.72%
2023	+29.33%	+6.34%
2022	-60.41%	-1.96%
2021	-5.01%	+37.58%
2020	-17.44%	+2.38%
2019	-10.48%	+33.92%
2018	+0.00%	-19.67%
2017	-26.87%	+21.35%
2016	+40.29%	+30.32%
2015	-5.83%	-14.72%
2014	-10.48%	+1.29%
2013	-23.65%	+18.76%
2012	+10.17%	+10.57%
2011	+24.39%	-13.25%
2010	+11.36%	+16.11%
2009	-30.83%	+33.82%
2008	+63.30%	-45.51%
2007	-19.86%	+1.87%
2006	+20.44%	+27.60%
2005	-6.09%	+4.58%
2004	-33.71%	+44.81%
2003	+28.51%	+59.23%
2002	-40.43%	-14.54%
2001	+84.00%	+21.00%
2000	+1.82%	+22.15%
1999	+19.35%	+1.00%

CIA vs FUND 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 FUND was -65.09%, occurring on Nov 21, 2008. Recovery took 1398 trading sessions.

The current CIA drawdown is -49.96%. The current FUND drawdown is -5.57%.

Rank	CIA	FUND
#1	-85.54% Dec 19, 2016 - May 9, 2023	-65.09% Jun 5, 2008 - Dec 23, 2013
#2	-60.47% Dec 18, 2001 - Dec 19, 2016	-43.18% Feb 12, 2020 - Dec 4, 2020
#3	-25.22% Jan 11, 2000 - May 29, 2001	-37.57% Jul 1, 2014 - Feb 2, 2017
#4	-19.30% Nov 12, 1999 - Jan 11, 2000	-36.22% May 2, 2002 - Aug 29, 2003
#5	-18.29% May 31, 2001 - Jul 18, 2001	-26.93% Jan 26, 2018 - Dec 12, 2019
#6	-15.38% Sep 6, 2001 - Nov 30, 2001	-25.57% Feb 15, 2001 - Dec 31, 2001
#7	-8.38% Jul 18, 2001 - Aug 15, 2001	-24.68% Apr 20, 2022 - Jul 31, 2024
#8	-7.55% Dec 7, 2001 - Dec 18, 2001	-24.67% Nov 29, 2007 - Jun 5, 2008
#9	-3.08% Aug 24, 2001 - Aug 31, 2001	-21.75% Feb 16, 2005 - Dec 16, 2005
#10	-2.40% Nov 30, 2001 - Dec 4, 2001	-19.42% Jun 18, 2007 - Nov 29, 2007
#11	-2.11% Nov 2, 1999 - Nov 5, 1999	-19.20% Apr 5, 2004 - Oct 1, 2004
#12	-2.08% Nov 5, 1999 - Nov 11, 1999	-18.25% Dec 2, 2024 - Jul 3, 2025
#13	-1.67% Aug 20, 2001 - Aug 22, 2001	-17.35% May 10, 2006 - Nov 24, 2006
#14	N/A	-15.22% May 16, 2000 - Sep 13, 2000
#15	N/A	-13.48% Mar 23, 2000 - May 16, 2000

Correlation

Correlation between CIA and FUND is -0.53 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.53

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