CIA vs TWIN

Comparison between Citizens Inc - Class A (CIA, Company) and Twin Disc Incorporated (TWIN, Company).

CIA is from the Financial Services sector, while TWIN is from the Industrials sector.

5-Year PerformanceTWIN has outperformed CIA, delivering a return of +8.4% compared to +2.0%

CIA vs TWIN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CIA(COMPANY)	TWIN(COMPANY)
Market Cap	$267M	$267M
Max Drawdown	85.54%	90.25%
Sharpe Ratio	0.91	1.82
5Y Beta	1.27	1.44
Industry	Insurance - Life	Specialty Industrial Machinery
P/E Ratio	95.83	11.28
Forward P/E	18.35	7.48
PEG Ratio	1.21	0.02
Dividend Yield	N/A	0.80%
5Y EPS CAGR	N/A	23.72%
Debt to Equity	0.00%	24.27%
Free Cash Flow Yield	6.08%	0.29%
P/S Ratio	1.07	0.80
P/B Ratio	1.14	1.55

Market Cap

CIA

$267M

Winner

TWIN

$267M

Max Drawdown

Winner

CIA

85.54%

TWIN

90.25%

Sharpe Ratio

CIA

0.91

Winner

TWIN

1.82

5Y Beta

Winner

CIA

1.27

TWIN

1.44

Industry

CIA

Insurance - Life

TWIN

Specialty Industrial Machinery

P/E Ratio

CIA

95.83

Winner

TWIN

11.28

Forward P/E

CIA

18.35

Winner

TWIN

7.48

PEG Ratio

CIA

1.21

Winner

TWIN

0.02

Dividend Yield

CIA

N/A

TWIN

0.80%

5Y EPS CAGR

CIA

N/A

TWIN

23.72%

Debt to Equity

Winner

CIA

0.00%

TWIN

24.27%

Free Cash Flow Yield

Winner

CIA

6.08%

TWIN

0.29%

P/S Ratio

CIA

1.07

Winner

TWIN

0.80

P/B Ratio

Winner

CIA

1.14

TWIN

1.55

CIA vs TWIN - Historical Returns

Returns include dividend reinvestment.

Period	CIA	TWIN
1 month	+8.05%	+14.81%
3 months	+16.77%	+33.71%
6 months	+5.42%	+27.93%
1 year	+69.37%	+166.09%
5 years(CAGR)	+1.99%	+8.41%
10 years(CAGR)	-3.29%	+7.85%
Max(CAGR)	+0.41%	+8.71%

CIA

+8.05%

Winner

TWIN

+14.81%

CIA

+16.77%

Winner

TWIN

+33.71%

CIA

+5.42%

Winner

TWIN

+27.93%

CIA

+69.37%

Winner

TWIN

+166.09%

5Y(CAGR)

CIA

+1.99%

Winner

TWIN

+8.41%

10Y(CAGR)

CIA

-3.29%

Winner

TWIN

+7.85%

Max(CAGR)

CIA

+0.41%

Winner

TWIN

+8.71%

CIA vs TWIN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CIA	TWIN
2026	+13.25%	+24.10%
2025	+12.06%	+46.27%
2024	+47.43%	-25.35%
2023	+29.33%	+80.06%
2022	-60.41%	-12.27%
2021	-5.01%	+43.27%
2020	-17.44%	-29.72%
2019	-10.48%	-28.90%
2018	+0.00%	-43.85%
2017	-26.87%	+72.64%
2016	+40.29%	+40.25%
2015	-5.83%	-43.91%
2014	-10.48%	-21.76%
2013	-23.65%	+37.18%
2012	+10.17%	-50.42%
2011	+24.39%	+24.93%
2010	+11.36%	+174.74%
2009	-30.83%	+42.27%
2008	+63.30%	-79.21%
2007	-19.86%	+104.52%
2006	+20.44%	+53.54%
2005	-6.09%	+83.27%
2004	-33.71%	+38.67%
2003	+28.51%	+57.65%
2002	-40.43%	-10.29%
2001	+84.00%	+3.12%
2000	+1.82%	+26.30%
1999	+19.35%	-13.30%

CIA vs TWIN 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 TWIN was -89.97%, occurring on Nov 20, 2008. Recovery took 1000 trading sessions.

The current CIA drawdown is -51.75%. The current TWIN drawdown is -50.20%.

Rank	CIA	TWIN
#1	-85.54% Dec 19, 2016 - May 9, 2023	-89.97% Jul 12, 2007 - Jun 29, 2011
#2	-60.47% Dec 18, 2001 - Dec 19, 2016	-88.60% Nov 16, 2011 - Sep 24, 2020
#3	-25.22% Jan 11, 2000 - May 29, 2001	-42.97% Aug 3, 2011 - Nov 3, 2011
#4	-19.30% Nov 12, 1999 - Jan 11, 2000	-35.85% Apr 22, 2002 - Jul 31, 2003
#5	-18.29% May 31, 2001 - Jul 18, 2001	-28.30% Feb 4, 2005 - Aug 4, 2005
#6	-15.38% Sep 6, 2001 - Nov 30, 2001	-27.22% Jun 8, 2001 - Apr 1, 2002
#7	-8.38% Jul 18, 2001 - Aug 15, 2001	-25.87% Aug 10, 2000 - Jun 8, 2001
#8	-7.55% Dec 7, 2001 - Dec 18, 2001	-23.13% Nov 23, 1999 - Jan 26, 2000
#9	-3.08% Aug 24, 2001 - Aug 31, 2001	-20.88% May 8, 2006 - Aug 2, 2006
#10	-2.40% Nov 30, 2001 - Dec 4, 2001	-15.89% Feb 22, 2007 - Apr 18, 2007
#11	-2.11% Nov 2, 1999 - Nov 5, 1999	-15.68% Jan 27, 2006 - Apr 19, 2006
#12	-2.08% Nov 5, 1999 - Nov 11, 1999	-15.68% Aug 2, 2006 - Jan 23, 2007
#13	-1.67% Aug 20, 2001 - Aug 22, 2001	-14.56% Feb 18, 2000 - Aug 9, 2000
#14	N/A	-14.26% Oct 4, 2005 - Nov 18, 2005
#15	N/A	-14.24% Aug 2, 2004 - Jan 25, 2005