Atlantic American (AAME) vs Citizens (CIA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens (CIA) has outperformed Atlantic American (AAME) over the past year, losing 36.2% versus a loss of 58.6%. Over five years, CIA leads with a -44.1% price change compared with -72.1% for AAME. Citizens is the larger company by market cap ($175.2 million vs $24.1 million), about 7.3 times the size.
On valuation, Atlantic American trades at a lower trailing P/E (5.1x vs 15.7x for Citizens). Atlantic American pays a dividend yielding 1.69%, while Citizens does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | AAME | CIA |
|---|---|---|
| Share price | $1.18 | $3.46 |
| Market cap | $24.07M | $175.23M |
| 1-day change | -2.46% | -1.98% |
| YTD return | -57.24% | -26.92% |
| 1-year return | -58.56% | -36.17% |
| 5-year return | -72.06% | -44.15% |
| P/E ratio (TTM) | 5.13 | 15.73 |
| Forward P/E | — | 17.30 |
| EPS (TTM) | $0.23 | $0.22 |
| Dividend yield | 1.69% | 0.00% |
| Annual dividend | $0.02 | $0.00 |
| 52-week high | $3.24 | $6.54 |
| 52-week low | $1.16 | $3.38 |
| Distance from 52-week high | -63.57% | -47.09% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +51.73% |
| Average volume | 62.97K | 127.68K |
| Shares outstanding | 20.40M | 50.64M |
| Employees | 153 | 243 |
| Sector | Finance | Finance |
| Industry | Life Insurance | Life Insurance |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Citizens is about 7.3 times larger than Atlantic American by market value ($175.23M vs $24.07M).
- CIA has outperformed AAME by 22.4 percentage points over the past year.
- Citizens trades at a higher earnings multiple (15.7x vs 5.1x trailing P/E).
- Atlantic American offers a meaningfully higher dividend yield (1.69% vs 0.00%).
About Atlantic American
AAME stock →Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. It operates through American Southern and Bankers Fidelity segments.
Finance · Life Insurance · 153 employees
About Citizens
CIA stock →Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance.
Finance · Life Insurance · 243 employees
AAME vs CIA FAQ
Which is bigger, Atlantic American or Citizens?
Citizens (CIA) is larger, with a market capitalization of $175.23M compared with $24.07M for Atlantic American (AAME).
Which stock has performed better over the past year, AAME or CIA?
CIA returned -36.17% over the past 12 months, compared with -58.56% for AAME (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, AAME or CIA?
AAME has the lower trailing P/E at 5.1, versus 15.7 for CIA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Atlantic American or Citizens?
Atlantic American pays a dividend yielding 1.69%, while Citizens does not currently pay a regular dividend.
Are Atlantic American and Citizens in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.