FRAF vs CIA

Comparison between Franklin Financial Services Corp (FRAF, Company) and Citizens Inc - Class A (CIA, Company).

Both FRAF and CIA are from the Financial Services sector.

5-Year PerformanceFRAF has outperformed CIA, delivering a return of +19.4% compared to +2.1%

FRAF vs CIA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	FRAF(COMPANY)	CIA(COMPANY)
Market Cap	$268M	$267M
Max Drawdown	65.11%	85.54%
Sharpe Ratio	1.83	0.91
5Y Beta	0.42	1.27
Industry	Banks - Regional	Insurance - Life
P/E Ratio	11.17	95.83
Forward P/E	12.00	18.35
PEG Ratio	0.11	1.21
Dividend Yield	2.20%	N/A
5Y Dividends CAGR	13.02%	N/A
5Y EPS CAGR	8.04%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	15.19%	6.08%
P/S Ratio	3.04	1.07
P/B Ratio	1.46	1.14

Market Cap

Winner

FRAF

$268M

CIA

$267M

Max Drawdown

Winner

FRAF

65.11%

CIA

85.54%

Sharpe Ratio

Winner

FRAF

1.83

CIA

0.91

5Y Beta

Winner

FRAF

0.42

CIA

1.27

Industry

FRAF

Banks - Regional

CIA

Insurance - Life

P/E Ratio

Winner

FRAF

11.17

CIA

95.83

Forward P/E

Winner

FRAF

12.00

CIA

18.35

PEG Ratio

Winner

FRAF

0.11

CIA

1.21

Dividend Yield

FRAF

2.20%

CIA

N/A

5Y Dividends CAGR

FRAF

13.02%

CIA

N/A

5Y EPS CAGR

FRAF

8.04%

CIA

N/A

Debt to Equity

FRAF

0.00%

CIA

0.00%

Free Cash Flow Yield

Winner

FRAF

15.19%

CIA

6.08%

P/S Ratio

FRAF

3.04

Winner

CIA

1.07

P/B Ratio

FRAF

1.46

Winner

CIA

1.14

FRAF vs CIA - Historical Returns

Returns include dividend reinvestment.

Period	FRAF	CIA
1 month	+8.41%	+8.38%
3 months	+23.90%	+13.47%
6 months	+11.36%	+7.75%
1 year	+73.85%	+57.51%
5 years(CAGR)	+19.37%	+2.06%
10 years(CAGR)	+13.86%	-3.59%
Max(CAGR)	+9.81%	+0.36%

Winner

FRAF

+8.41%

CIA

+8.38%

Winner

FRAF

+23.90%

CIA

+13.47%

Winner

FRAF

+11.36%

CIA

+7.75%

Winner

FRAF

+73.85%

CIA

+57.51%

5Y(CAGR)

Winner

FRAF

+19.37%

CIA

+2.06%

10Y(CAGR)

Winner

FRAF

+13.86%

CIA

-3.59%

Max(CAGR)

Winner

FRAF

+9.81%

CIA

+0.36%

FRAF vs CIA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	FRAF	CIA
2026	+25.90%	+11.65%
2025	+77.35%	+12.06%
2024	+0.02%	+47.43%
2023	-7.68%	+29.33%
2022	+13.44%	-60.41%
2021	+27.59%	-5.01%
2020	-27.07%	-17.44%
2019	+28.84%	-10.48%
2018	-14.55%	+0.00%
2017	+33.45%	-26.87%
2016	+26.83%	+40.29%
2015	+10.47%	-5.83%
2014	+34.09%	-10.48%
2013	+27.44%	-23.65%
2012	+19.77%	+10.17%
2011	-30.75%	+24.39%
2010	+14.35%	+11.36%
2009	-8.41%	-30.83%
2008	-23.49%	+63.30%
2007	-5.13%	-19.86%
2006	+14.36%	+20.44%
2005	-3.86%	-6.09%
2004	-19.00%	-33.71%
2003	+32.26%	+28.51%
2002	+14.28%	-40.43%
2001	+64.00%	+84.00%
2000	N/A	+1.82%
1999	N/A	+19.35%

FRAF vs CIA Drawdown Comparison

The maximum drawdown for FRAF was -51.26%, occurring on Mar 4, 2009. Recovery took 2633 trading sessions.

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

The current FRAF drawdown is -0.51%. The current CIA drawdown is -52.44%.

Rank	FRAF	CIA
#1	-51.26% May 19, 2004 - Nov 12, 2014	-85.54% Dec 19, 2016 - May 9, 2023
#2	-44.30% Dec 20, 2019 - Dec 29, 2022	-60.47% Dec 18, 2001 - Dec 19, 2016
#3	-30.98% Dec 30, 2022 - Nov 8, 2023	-25.22% Jan 11, 2000 - May 29, 2001
#4	-25.51% Nov 8, 2023 - Nov 6, 2024	-19.30% Nov 12, 1999 - Jan 11, 2000
#5	-20.56% Nov 15, 2017 - Feb 4, 2019	-18.29% May 31, 2001 - Jul 18, 2001
#6	-19.70% Jul 8, 2019 - Dec 20, 2019	-15.38% Sep 6, 2001 - Nov 30, 2001
#7	-18.53% Apr 30, 2015 - Sep 2, 2016	-8.38% Jul 18, 2001 - Aug 15, 2001
#8	-17.17% Dec 10, 2024 - Jan 30, 2025	-7.55% Dec 7, 2001 - Dec 18, 2001
#9	-16.28% Dec 18, 2025 - Apr 9, 2026	-3.08% Aug 24, 2001 - Aug 31, 2001
#10	-13.51% Apr 23, 2025 - Jul 18, 2025	-2.40% Nov 30, 2001 - Dec 4, 2001
#11	-12.17% Feb 19, 2025 - Apr 21, 2025	-2.11% Nov 2, 1999 - Nov 5, 1999
#12	-10.63% Sep 19, 2025 - Nov 11, 2025	-2.08% Nov 5, 1999 - Nov 11, 1999
#13	-9.87% Nov 24, 2014 - Mar 10, 2015	-1.67% Aug 20, 2001 - Aug 22, 2001
#14	-8.57% Jul 23, 2025 - Aug 12, 2025	N/A
#15	-8.53% May 31, 2002 - Mar 20, 2003	N/A

Correlation

Correlation between FRAF and CIA is -0.47 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.47

-101