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Atlantic American Corporation AAME FINANCIAL

Financial Services · Insurance - Life · United States
https://www.atlam.com
Company Profile ↓
$1.31
-46.53% 1Y
Mkt Cap$26.72M
P/E5.70
P/B0.24
Div. Yield0.84%
52W High$3.53
52W Low$1.29
Book Value$5.37
EPS (TTM)$0.23

Company Overview

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. The company offers property and casualty insurance products, including commercial automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; general liability insurance; and inland marine insurance products. It also provides surety bond coverage for subdivision construction; school bus contracts; and performance and payment bonds. In addition, the company offers individual and group whole life insurance products; Medicare supplement insurance products; other accident and health insurance products comprising various individual and group policies for the payment of standard benefits for the treatment of cancer and other critical illnesses; Vantage Flex Plus, a hospital indemnity plan; and Vantage Recovery short-term care product and a group whole life product. It markets its products through independent agents and brokers. The company was founded in 1937 and is based in Atlanta, Georgia. Atlantic American Corporation operates as a subsidiary of Atlantic American / Delta Group.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 5.7, below the sector median of 12.9.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.39.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2024 Revenue of $188.23M (+0.8% YoY); net profit $-4.27M.
  • Trailing 12 Months Year-on-year growth — revenue +20.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR -1.9%, profit CAGR -66.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-1.93%
1 Year:20.80%

Compounded Profit Growth

5 Years:-66.57%
1 Year:-

Stock Price Performance

1 Year:-46.53%
6 Months:-52.71%
3 Months:-17.61%
1 Month:-14.38%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 1% of range
$1.29 $3.53
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)39.89 · Neutral
Price Performance
1M-14.38%
3M-17.61%
6M-52.71%
1Y-46.53%
Valuation vs Sector

P/E of 5.70 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.

CONS

  • Revenue declined at -1.9% CAGR over 5 years.
  • Earnings shrank at -66.6% CAGR over 5 years.
  • Trading 62.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
5.70
Industry PE
12.89
Forward P/E est.
11.40
PEG Ratio
2.43
Book Value
$5.37
Price to Book
0.24
P/S
0.13
EV/EBITDA
3.48
Dividend Yield
0.84%

Growth (CAGR)

Revenue 5Y
-1.93%
Profit 5Y
-66.57%
Revenue (YoY)
20.80%
Earnings (YoY)
-

Profitability & Returns

ROCE
-
ROE
4.75%
ROA
1.49%
Profit Margin
2.45%
Op Margin
2.88%
Gross Margin
12.51%
EPS (Latest Qtr)
$0.02
EPS (TTM)
$0.23

Balance Sheet & Liquidity

Debt/Equity
0.39
Quick Ratio
1.16
Current Ratio
1.50
Debt
$42.66M
Total Assets
$430.86M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
80.12%
Chg in Prom Hold
-
FII / Inst Holding
5.25%
Chg in FII Hold
0.11%

Financial Snapshot

Enterprise Value
$26.72M
Total Revenue (TTM)
$208.22M
EBITDA
$10.06M
Free Cash Flow
$22.10M
Operating Cash Flow
$24.81M
Shares Outstanding
20.40M
Gross Margin
12.51%
Payout Ratio
8.70%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AAME Atlantic American Corporation FINANCIAL 1.31 5.70 $26.72M 0.84% - 4.75% -1.93% -66.57%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue 36.65M44.65M43.25M41.16M41.59M42.66M40.95M44.77M40.36M41.75M41.85M42.45M43.86M43.63M44.80M40.54M49.44M46.37M55.02M43.13M47.74M39.41M49.74M46.27M49.08M51.46M49.29M51.61M44.67M46.34M46.27M49.19M44.59M47.00M47.67M44.52M49.04M50.12M55.29M53.76M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ------------------------------------1.37M1.81M4.99M1.55M
EBITDA ----------------------------------------
Interest Expense ------------------------------------828.00K774.00K773.00K779.00K
Pretax Income ------------------------------------545.00K1.03M4.22M769.00K
Tax Provision ------------------------------------133.00K233.00K900.00K192.00K
Net Income 922.00K5.96M2.68M820.00K877.00K1.45M691.00K3.35M238.00K898.00K241.00K149.00K-221.00K1.46M747.00K-5.02M3.19M934.00K4.16M-4.43M-1.39M-8.09M6.53M1.88M-431.00K2.96M-915.00K2.84M-1.68M-684.00K-1.45M1.74M1.76M-2.00M-684.00K-2.00M412.00K802.00K3.32M577.00K
Diluted EPS 0.040.260.12-0.040.06-0.15--0.01-----0.250.15-0.19-0.22-0.07-0.400.300.09-0.030.14-0.050.13-0.09-0.04-0.080.080.08-0.10-0.04-0.100.020.030.150.02

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Revenue 106.89M118.33M139.83M165.37M166.32M165.94M166.08M181.11M185.55M198.18M195.35M199.55M187.85M186.79M188.23M
Cost of Revenue ---------------
Gross Profit ---------------
Operating Expenses ---------------
Operating Income 621.00K3.29M3.65M2.46M2.58M851.00K929.00K-3.81M-3.93M-7.49M11.51M6.69M4.05M2.70M-1.84M
EBITDA ---------------
Interest Expense -----------1.39M1.95M3.27M3.42M
Pretax Income -----------5.30M2.10M-565.00K-5.26M
Tax Provision -----------1.02M571.00K-394.00K-996.00K
Net Income 990.00K3.29M4.44M11.02M4.43M4.39M2.64M4.53M-704.00K-386.00K12.17M4.28M1.52M-171.00K-4.27M
Diluted EPS 0.020.120.180.480.19-----0.040.560.190.06-0.03-0.23

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Assets -277.57M302.12M320.18M319.38M317.01M314.60M318.60M343.24M344.27M377.63M405.19M402.29M367.06M381.26M393.43M
Current Assets ----------------
Cash & Equivalents 20.13M28.32M21.29M18.95M33.10M16.38M15.62M13.25M24.55M12.63M12.89M19.32M24.75M28.86M28.30M35.57M
Inventory ----------------
Receivables ------------42.38M41.30M44.79M50.40M
Total Liabilities -194.87M205.85M214.44M218.45M212.81M212.11M213.09M230.26M242.90M259.23M260.13M261.00M264.87M273.99M293.81M
Current Liabilities ----------------
Long Term Debt ------------33.74M33.74M33.74M33.74M
Total Debt ------------33.74M35.75M36.76M37.76M
Total Equity 77.47M82.69M96.28M105.74M100.93M104.19M102.49M105.51M112.98M101.37M118.39M145.06M141.29M102.19M107.28M99.61M
Shares Outstanding ------------22.40M22.40M22.40M22.40M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Operating Cash Flow 4.90M9.13M6.12M13.02M--1.32M12.17M4.46M-1.81M8.97M1.09M6.45M2.62M4.80M
Investing Cash Flow 3.86M-14.12M-5.64M3.81M---2.23M593.00K-14.79M3.01M-2.06M5.30M-3.43M-3.37M2.28M
Financing Cash Flow -568.00K-2.05M-2.81M-2.68M---1.45M-1.47M-1.59M-939.00K-481.00K-954.00K1.08M181.00K186.00K
Capital Expenditure -50.00K-56.00K-169.00K-1.34M-4.13M-322.00K-396.00K-103.00K-281.00K-69.00K-233.00K-107.00K-126.00K-80.00K-225.00K
Free Cash Flow 4.85M9.07M5.95M11.68M--920.00K12.07M4.18M-1.88M8.74M981.00K6.33M2.54M4.58M
Net Change in Cash -----------5.43M4.11M-562.00K7.27M
Share Buybacks 60.00K1.82M607.00K1.42M2.60M997.00K698.00K692.00K597.00K71.00K0----

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Gross Margin % ---------------
Operating Margin % 0.6%2.8%2.6%1.5%1.6%0.5%0.6%-2.1%-2.1%-3.8%5.9%3.4%2.2%1.4%-1.0%
Net Margin % 0.9%2.8%3.2%6.7%2.7%2.6%1.6%2.5%-0.4%-0.2%6.2%2.1%0.8%-0.1%-2.3%
ROE % 1.2%3.4%4.2%10.9%4.3%4.3%2.5%4.0%-0.7%-0.3%8.4%3.0%1.5%-0.2%-4.3%
ROCE % ---------------

Shareholding Pattern

Insiders
80.12%
Institutions
5.25%
Public Float
26.40%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dimensional Fund Advisors LP 1.62% 331.41K $447.40K
2 Bridgeway Capital Management, LLC 0.79% 160.72K $216.97K
3 Blackrock Inc. 0.53% 107.44K $145.04K
4 BIGLARI, SARDAR 0.52% 105.86K $142.91K
5 Vanguard Capital Management LLC 0.30% 60.83K $82.11K
6 Renaissance Technologies, LLC 0.25% 51.80K $69.93K
7 Foster Victor Wealth Advisors, LLC 0.22% 44.00K $59.40K
8 Geode Capital Management, LLC 0.22% 44.00K $59.40K
9 Vanguard Fiduciary Trust Co 0.14% 27.72K $37.42K
10 Northern Trust Corporation 0.13% 26.53K $35.82K

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for AAME

Yahoo Finance Wed, 26 Aug 2026

Atlantic American Corporation Receives Nasdaq Notice Regarding Delayed Second Quarter Form 10-Q Filing

ATLANTA, Aug. 26, 2026 (GLOBE NEWSWIRE) -- Atlantic American Corporation (Nasdaq: AAME) announced today that on August 20, 2026, the Company received a notice from The Nasdaq Stock Market LLC (“Nasdaq”) stating that because the Company had …

Yahoo Finance Fri, 22 May 2026

Atlantic American Corporation Receives Nasdaq Notice Regarding Delayed Form 10-Q Filing

ATLANTA, May 22, 2026 (GLOBE NEWSWIRE) -- Atlantic American Corporation (Nasdaq: AAME) announced today that on May 21, 2026, the Company received a notice from The Nasdaq Stock Market LLC stating that because the Company had not yet filed i…

Yahoo Finance ue, 21 Apr 2026

Atlantic American Corporation Receives Nasdaq Notice Regarding Delayed Form 10-K Filing

ATLANTA, Georgia, April 21, 2026 (GLOBE NEWSWIRE) -- Atlantic American Corporation (Nasdaq: AAME) announced today that on April 17, 2026, the Company received a notice from The Nasdaq Stock Market LLC stating that because the Company had no…

Yahoo Finance Wed, 17 Jun 2026

AM Best Places Credit Ratings of Atlantic American Corporation and Its Subsidiaries Under Review With Negative Implications

OLDWICK, N.J., June 17, 2026--AM Best has placed under review with negative implications the Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "a-" (Excellent) of American Southern …

Yahoo Finance hu, 22 Jan 2026

Atlantic American's (NASDAQ:AAME) investors will be pleased with their notable 85% return over the last year

While Atlantic American Corporation ( NASDAQ:AAME ) shareholders are probably generally happy, the stock hasn't had...

Yahoo Finance Fri, 14 Nov 2025

Atlantic American Corporation Reports Third Quarter Results for 2025

ATLANTA, Nov. 14, 2025 (GLOBE NEWSWIRE) -- Atlantic American Corporation (Nasdaq- AAME) today reported net income of $0.6 million, or $0.02 per diluted share, for the three month period ended September 30, 2025, compared to net loss of ($2.…

AAME — Frequently Asked Questions

What is the current share price of Atlantic American Corporation (AAME)?

As of 2026-09-19 21:16 PDT, Atlantic American Corporation (AAME) trades at $1.31 on NasdaqGM. Its 52-week range is $1.29 to $3.53.

What is the market capitalisation of AAME?

Atlantic American Corporation (AAME) has a market capitalisation of $26.72M on NasdaqGM.

What is the P/E ratio of AAME?

AAME trades at a trailing price-to-earnings (P/E) ratio of 5.70. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.24.

Does AAME pay a dividend?

Atlantic American Corporation (AAME) currently offers a dividend yield of 0.84%.

What is the return on equity (ROE) of AAME?

AAME has a return on equity (ROE) of 4.75%.

Is AAME a good stock to buy?

This page provides a data-driven analysis of Atlantic American Corporation (AAME), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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