Atlantic American vs Citizens
Citizens is the larger business, with $256m of revenue in fiscal 2025 against $210m for Atlantic American (1.2 times as much). Atlantic American grew faster (11.9% against 4.3%). Citizens kept more of each dollar of sales as profit: a net margin of 5.7% against 2.9%. Citizens carries less debt relative to equity (0.0% against 4.2%).
| Latest fiscal year | Atlantic AmericanAAME, 2025 | CitizensCIA, 2025 |
|---|---|---|
| Revenue | $210m | $256m |
| Revenue growth | 11.9% | 4.3% |
| Net income | $6.0m | $14.6m |
| Operating margin | 1.8% | — |
| Net margin | 2.9% | 5.7% |
| Return on equity | 5.2% | 6.6% |
| Free cash flow | $32.4m | $17.5m |
| Cash | $43.6m | $23.0m |
| Total debt | $5.0m | $0 |
| Debt to equity | 4.2% | 0.0% |
| Dividend per share | $0.02 | — |
| Dividend yield | — | — |
| Share buybacks | — | — |
| Employees | 166 | — |
| Market value | $24.5m | $193m |
| Price vs our value range | — | — |
| Moat score | 35 (Weak) | — |
| Insider trades, 12 months | 0 buys, 0 sales | 8 buys, 0 sales |