Citizens (CIA) Competitors

Atlantic American (NASDAQ:AAME) and Citizens (NYSE:CIA) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, community ranking, profitability, risk, institutional ownership, valuation, dividends, analyst recommendations and media sentiment.

Does the media refer more to AAME or CIA?

In the previous week, Citizens had 2 more articles in the media than Atlantic American. MarketBeat recorded 4 mentions for Citizens and 2 mentions for Atlantic American. Citizens' average media sentiment score of 0.49 beat Atlantic American's score of 0.36 indicating that Atlantic American is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Atlantic American	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Citizens	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Neutral

Does the MarketBeat Community believe in AAME or CIA?

Citizens received 68 more outperform votes than Atlantic American when rated by MarketBeat users. Likewise, 59.62% of users gave Citizens an outperform vote while only 44.88% of users gave Atlantic American an outperform vote.

Company	Underperform	Outperform
Atlantic American	Outperform Votes 149 44.88%	Underperform Votes 183 55.12%
Citizens	Outperform Votes 217 59.62%	Underperform Votes 147 40.38%

Do institutionals & insiders hold more shares of AAME or CIA?

5.5% of Atlantic American shares are owned by institutional investors. Comparatively, 13.7% of Citizens shares are owned by institutional investors. 80.0% of Atlantic American shares are owned by insiders. Comparatively, 0.9% of Citizens shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is AAME or CIA more profitable?

Citizens has a net margin of 10.15% compared to Citizens' net margin of -0.09%. Atlantic American's return on equity of 15.61% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Atlantic American	-0.09%	-0.31%	-0.09%
Citizens	10.15%	15.61%	1.50%

Do analysts prefer AAME or CIA?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlantic American	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Citizens	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Which has better earnings and valuation, AAME or CIA?

Citizens has higher revenue and earnings than Atlantic American. Atlantic American is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlantic American	$186.79M	0.21	-$170K	-$0.03	-65.31
Citizens	$240.68M	0.42	$24.44M	$0.48	4.23

Which has more volatility & risk, AAME or CIA?

Atlantic American has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.19, meaning that its stock price is 81% less volatile than the S&P 500.

Summary

Citizens beats Atlantic American on 12 of the 15 factors compared between the two stocks.