Atlantic American Corporation (AAME) AI Stock Analysis

Atlantic American Corporation, headquartered in Atlanta, Georgia, operates as a diversified insurance provider in the United States through its subsidiaries. The company's operations are segmented into American Southern and Bankers Fidelity, offering life, health, and property and casualty insurance products. Its property and casualty offerings include business automobile coverage tailored for state governments, local municipalities, and motor pools and fleets, alongside inland marine, general liability, and surety bond solutions. In the life and health insurance sector, the company provides individual and group whole life, medicare supplement, accident and health, critical illness, hospital indemnity, and disability coverages distributed through independent agents and brokers.

Between FY2020 and FY2024, annual revenue decreased from $195.3M to $188.2M, reflecting a 5-year revenue CAGR of -1.0%. Profitability also weakened over this period, with gross margin dropping from 14.7% in FY2020 to 7.6% in FY2024, and operating margin turning from 7.9% to -2.8%. Net income shifted from $12.2M (net margin of 6.2%) in FY2020 to -$4.3M (net margin of -2.3%) in FY2024. For the trailing twelve months ending September 30, 2025, revenue stood at $208.2M with diluted EPS of $0.23 and an operating margin of 2.9%. In the latest quarter, quarterly revenue grew 20.8% year-over-year, while quarterly earnings declined 78.4%.

As of September 30, 2026, Atlantic American Corporation held $43.6M in cash and short-term investments, with total assets of $433.9M and shareholders' equity of $120.8M. For FY2024, operating cash flow stood at $4.8M and free cash flow was $4.6M. Capital allocation in FY2024 included capital expenditures of $225,000, share buybacks of $7,000, and dividends paid of $807,000. Over five years, the company's share count changed by -0.8%.

At a last close of $1.05 on October 16, 2026, Atlantic American Corporation trades at a trailing P/E of 4.6x and a forward P/E of 7.4x, below the median of its US-listed Financial Services peers of 12.1x and 10.8x. Its price-to-sales ratio is 0.1x compared to the peer median of 3.2x, and its price-to-book ratio is 0.3x. Over the past year, the stock recorded a return of -65.9%, trailing the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned -74.7% compared to 83.0% for the S&P 500.

Atlantic American Corporation has a scheduled next earnings date of November 13, 2026. The company currently has no analyst rating counts, price targets, or published earnings surprise track records available. As of October 16, 2026, the stock traded at $1.05, which is 49.1% below its 200-day average and near its 52-week low of $1.03.

This page is an AI-written research summary of Atlantic American Corporation (AAME). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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