AMERISAFE (AMSF) Stock Price, News & Analysis

Company Overview

Amerisafe, Inc. (NASDAQ: AMSF) is a specialty provider of workers’ compensation insurance products and services in the United States. The company focuses on underwriting and managing workers’ compensation policies for small to mid-sized public and private businesses, particularly in higher-hazard industries such as retail, manufacturing, distribution and wholesale. Through its network of independent agents, Amerisafe delivers tailored coverage solutions that combine robust risk management support with loss prevention programs designed to enhance workplace safety.

In addition to core insurance offerings, Amerisafe provides extensive risk control resources, including safety training, on-site consultations and claims management services. These offerings aim to reduce workplace injuries and associated costs by helping policyholders identify potential hazards, implement industry best practices and manage post-accident care efficiently. The company’s loss control team leverages data analytics and sector expertise to deliver proactive safety insights and personalized guidance.

Headquartered in Addison, Texas, Amerisafe serves clients across multiple states, with operations focused primarily on regional markets that demonstrate a consistent demand for specialized workers’ compensation coverage. This geographically diversified footprint enables the company to respond quickly to local regulatory changes and market conditions while maintaining personalized service through its agency distribution model.

Amerisafe is led by a seasoned management team with extensive experience in the insurance and risk management sectors. The company emphasizes disciplined underwriting, conservative investment strategies and strong governance practices. Over the years, Amerisafe has built a reputation for financial stability and customer-centric service, positioning itself as a trusted partner for businesses seeking comprehensive workers’ compensation solutions.

Key Stats

• Today's Range: $40.60 to $41.14
• 50-Day Range: $40.90 to $47.25
• 52-Week Range: $40.17 to $60.24
• Volume: 4,880 shs
• Average Volume: 108,118 shs
• Market Capitalization: $766.74 million
• P/E Ratio: 15.37
• Dividend Yield: 3.86%
• Price Target: $55.00
• Consensus Rating: Hold

AMERISAFE Stock Analysis - MarketRank™

AMERISAFE scored higher than 83% of companies evaluated by MarketBeat, and ranked 299th out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Hold

Consensus Rating

AMERISAFE has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Upside Potential

AMERISAFE has a consensus price target of $55.00, representing about 33.2% upside from its current price of $41.29.

Amount of Analyst Coverage

AMERISAFE has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -11.02%

Earnings Growth

Earnings for AMERISAFE are expected to decrease by -11.02% in the coming year, from $2.45 to $2.18 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of AMERISAFE is 15.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of AMERISAFE is 15.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.01.

Price to Book Value per Share Ratio

AMERISAFE has a P/B Ratio of 3.06. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.67% of the float of AMERISAFE has been sold short.

Short Interest Ratio / Days to Cover

AMERISAFE has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in AMERISAFE has recently increased by 17.05%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

AMERISAFE is a leading dividend payer. It pays a dividend yield of 3.70%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

AMERISAFE has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of AMERISAFE is 59.09%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, AMERISAFE will have a dividend payout ratio of 71.56% next year. This indicates that AMERISAFE will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.67% of the float of AMERISAFE has been sold short.

Short Interest Ratio / Days to Cover

AMERISAFE has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in AMERISAFE has recently increased by 17.05%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.31

News Sentiment

AMERISAFE has a news sentiment score of 0.31. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for AMERISAFE this week, compared to 3 articles on an average week.

MarketBeat Follows

2 people have added AMERISAFE to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, AMERISAFE insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $60,099.00 in company stock.

Percentage Held by Insiders

Only 1.61% of the stock of AMERISAFE is held by insiders.

Percentage Held by Institutions

97.41% of the stock of AMERISAFE is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

AMSF Stock Analysis - Frequently Asked Questions

How have AMSF shares performed this year?

AMERISAFE's stock was trading at $51.54 at the beginning of the year. Since then, AMSF shares have decreased by 19.9% and is now trading at $41.29.

How were AMERISAFE's earnings last quarter?

AMERISAFE, Inc. (NASDAQ:AMSF) posted its quarterly earnings results on Thursday, July, 24th. The insurance provider reported $0.53 earnings per share for the quarter, missing the consensus estimate of $0.55 by $0.02. The insurance provider earned $79.70 million during the quarter, compared to analysts' expectations of $77.30 million. AMERISAFE had a trailing twelve-month return on equity of 16.54% and a net margin of 16.46%.
Read the conference call transcript.

Who are AMERISAFE's major shareholders?

Top institutional investors of AMERISAFE include Exchange Traded Concepts LLC (0.23%), CWM LLC (0.10%), Inspire Investing LLC (0.05%) and Yousif Capital Management LLC (0.03%). Insiders that own company stock include Anastasios Omiridis and Anastasios Omiridis.
View institutional ownership trends.

How do I buy shares of AMERISAFE?

Shares of AMSF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of AMERISAFE own?

Based on aggregate information from My MarketBeat watchlists, some other companies that AMERISAFE investors own include American Water Works (AWK), Humana (HUM), Waste Connections (WCN), The RMR Group (RMR), Voyager Therapeutics (VYGR), DiamondRock Hospitality (DRH) and AUO (AUOTY).

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 9/26 Dividend: 9/12/2025
• Ex-Dividend for 9/26 Dividend: 9/12/2025
• Dividend Payable: 9/26/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - ACC & HLTH
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NASDAQ:AMSF
• CIK: 1018979
• Web: www.amerisafe.com
• Phone: (337) 463-9052
• Fax: 800-450-1091
• Employees: 350
• Year Founded: 1985

Price Target and Rating

• Average Price Target for AMERISAFE: $55.00
• High Price Target: $60.00
• Low Price Target: $50.00
• Potential Upside/Downside: +33.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.64
• Trailing P/E Ratio: 15.64
• Forward P/E Ratio: 16.85
• P/E Growth: N/A
• Net Income: $55.44 million
• Net Margins: 16.46%
• Pretax Margin: 20.64%
• Return on Equity: 16.54%
• Return on Assets: 3.84%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.42
• Quick Ratio: 0.42

Sales & Book Value

• Annual Sales: $309.04 million
• Price / Sales: 2.54
• Cash Flow: $2.62 per share
• Price / Cash Flow: 15.77
• Book Value: $13.51 per share
• Price / Book: 3.06

Miscellaneous

• Outstanding Shares: 18,990,000
• Free Float: 18,685,000
• Market Cap: $784.10 million
• Optionable: Optionable
• Beta: 0.32