COMP <GO>
CIA vs AAME // EV/EBITDA & P/E VALUATION
Citizens Inc. ($1.00 Par) (Class A) (NYSE) VS. Atlantic American Corporation (NASDAQ) • 15-METRIC TALLY: CIA 2
— AAME 3
■ METRIC PARITY
LAST: $3.86 (+1.58%) • MKT CAP: $195.5M
valuation
—
LAST: $1.13 (-0.88%) • MKT CAP: $23.0M
valuation
2.8x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CIA VS. AAME)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CIA | AAME | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 3.80% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 2.8x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.97% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | 1.80% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 2.90% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.30% | 11.90% | -7.60 | AAME | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.77% | -1.77 | AAME | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 6/9 | -3.00 | AAME | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.1 | 40.0 | +10.09 | CIA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 3.5x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $195.5M | $23.0M | $172.4M | CIA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CIA REV | AAME REV | CIA GROSS % | AAME GROSS % | CIA FCF | AAME FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $255.6M | $210.4M | — | — | $17.5M | $32.4M |
| FY 2024 | $245.0M | $188.1M | — | — | $31.3M | $4.6M |
| FY 2023 | $240.7M | $186.8M | — | — | $22.1M | $2.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CIA // BETA —
AAME // BETA —