Atlantic American (AAME) Stock Price, News & Analysis

Company Overview

Atlantic American Corporation is a Florida-based holding company that engages in the insurance business through its wholly owned subsidiaries. The company’s operations are organized into four principal segments: Life Insurance, Accident and Health Insurance, Property and Casualty Insurance, and Risk Retention Group. Through these lines of business, Atlantic American provides a range of insurance products and services to individuals, businesses and affinity groups across the United States.

In its Life Insurance segment, Atlantic American offers traditional whole life and universal life policies, emphasizing guaranteed death benefits and cash value accumulation. The Accident and Health Insurance operations focus on supplemental health products designed to cover hospital indemnity, critical illness, and short-term disability. Its Property and Casualty Insurance arm underwrites a variety of commercial and personal lines, including workers’ compensation, commercial auto, general liability, and homeowner policies. The Risk Retention Group, operated under American Risk Insurance Company, extends liability coverage to selected trade associations, meeting specialized needs of professional and commercial members.

Founded in 1981 and headquartered in Jacksonville, Florida, Atlantic American has grown through both internal development and targeted acquisitions. Its international presence is bolstered by Atlantic American Assurance Company Limited, an Ireland-based reinsurer that supports captives and specialty insurance programs. The company distributes its products primarily through independent agents, brokers and financial institutions, aiming to serve niche markets with tailored insurance solutions.

Atlantic American’s management team emphasizes conservative underwriting and disciplined risk management, with a focus on maintaining strong capital positions across its subsidiaries. By concentrating on specialized insurance niches and leveraging its captive reinsurer structure, the company seeks to deliver stable, long-term value to policyholders and shareholders. Its business model reflects a blend of traditional insurance offerings and innovative risk retention strategies designed to address evolving market demands.

Key Stats

• Today's Range: $2.70 to $2.85
• 50-Day Range: $2.21 to $3.53
• 52-Week Range: $1.25 to $3.71
• Volume: 27,814 shs
• Average Volume: 40,230 shs
• Market Capitalization: $56.71 million
• P/E Ratio: 27.80
• Dividend Yield: 0.72%
• Price Target: N/A
• Consensus Rating: Hold

Atlantic American Stock Analysis - MarketRank™

Atlantic American scored higher than 30% of companies evaluated by MarketBeat, and ranked 812th out of 925 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Atlantic American.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Atlantic American is 27.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 263.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of Atlantic American is 27.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 41.47.

Price to Book Value per Share Ratio

Atlantic American has a P/B Ratio of 0.57. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

0.81% of the float of Atlantic American has been sold short.

Short Interest Ratio / Days to Cover

Atlantic American has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Atlantic American has recently increased by 6.53%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Atlantic American has a dividend yield of 0.72%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Atlantic American does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Atlantic American is 20.00%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

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

Percentage of Shares Shorted

0.81% of the float of Atlantic American has been sold short.

Short Interest Ratio / Days to Cover

Atlantic American has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Atlantic American has recently increased by 6.53%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: N/A

Search Interest

4 people have searched for AAME on MarketBeat in the last 30 days. This is an increase of 33% compared to the previous 30 days.

MarketBeat Follows

1 people have added Atlantic American to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Atlantic American insiders have not sold or bought any company stock.

Percentage Held by Insiders

80.11% of the stock of Atlantic American is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 5.54% of the stock of Atlantic American is held by institutions.

AAME Stock Analysis - Frequently Asked Questions

How have AAME shares performed this year?

Atlantic American's stock was trading at $1.54 at the start of the year. Since then, AAME stock has increased by 80.5% and is now trading at $2.78.

How were Atlantic American's earnings last quarter?

Atlantic American Corporation (NASDAQ:AAME) issued its quarterly earnings data on Tuesday, August, 12th. The financial services provider reported $0.07 earnings per share (EPS) for the quarter. Atlantic American had a net margin of 1.27% and a trailing twelve-month return on equity of 0.38%.

How do I buy shares of Atlantic American?

Shares of AAME 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 Atlantic American own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Atlantic American investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), Adobe (ADBE), CrowdStrike (CRWD) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 8/12/2025
• Today: 10/05/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - ACC & HLTH
• Sub-Industry: Insurance
• Current Symbol: NASDAQ:AAME
• CIK: 8177
• Web: www.atlam.com
• Phone: (404) 266-5500
• Fax: 404-266-5596
• Employees: 140
• Year Founded: 1937

Profitability

• EPS (Trailing Twelve Months): $0.10
• Trailing P/E Ratio: 27.80
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$4.27 million
• Net Margins: 1.27%
• Pretax Margin: 1.68%
• Return on Equity: 0.38%
• Return on Assets: 0.10%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.37
• Quick Ratio: 0.37

Sales & Book Value

• Annual Sales: $188.23 million
• Price / Sales: 0.30
• Cash Flow: $0.59 per share
• Price / Cash Flow: 4.70
• Book Value: $4.88 per share
• Price / Book: 0.57

Miscellaneous

• Outstanding Shares: 20,400,000
• Free Float: 4,057,000
• Market Cap: $56.71 million
• Optionable: Not Optionable
• Beta: 0.73