AAME

Atlantic American Corporation

Price Chart

Latest Quote

$1.67

-0.19 (-10.22%)

Current Price

Previous Close	$1.86
Open	$1.74
Day High	$1.83
Day Low	$1.67
Volume	43,698

Fetched: 2026-06-05T21:49:04

Stock Information

Quarterly Dividend / Yield	$0.02 / 0.84%
Shares Outstanding	20.40M
Quarterly Dividend Yield	0.84%
Quarterly Dividend	$0.02
Total Debt	$42.66M
Cash Equivalents	$34.44M
Revenue	$208.22M
Net Income	$4.71M
Sector	Financial Services
Industry	Insurance - Life
Market Cap	$34.06M
P/E Ratio	7.26
EPS (TTM)	$0.23
Exchange	NGM

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$46.21M
Sales	$208.22M
Income	$4.71M
Book/sh	$5.37
Cash/sh	$1.69
Employees	153

Financial Ratios

Quick Ratio	1.16
Current Ratio	1.50
Debt/Eq	38.97

Returns & Margins

ROA	1.49%
ROE	4.75%
Gross Margin	12.51%
Operating Margin	2.88%
Profit Margin	2.45%

Ownership

Insider Ownership	80.12%
Institutional Ownership	5.14%
Insider & Institutional transactions data not available

Valuation Ratios

PEG	2.43
P/S	0.16
P/B	0.31

Analyst Data

Recommendation

none

Technical Indicators

SMA20	$2.19
SMA50	$2.36
SMA200	$2.72
RSI	17.05
ATR	0.0971

Shares Float	4.01M
Short Float	0.11%
Short Ratio	0.51
Volatility	0.74
Rel Volume	4.44

Performance History

Week	-22.69%
Month	-33.47%
Quarter	-36.26%
6 Months	-32.66%
YTD	-42.01%
Year	-4.02%
3 Years	-19.15%
5 Years	-59.82%
10 Years	-50.89%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-05	$1.67	43,698
2026-06-04	$1.86	14,400
2026-06-03	$1.92	10,300
2026-06-02	$2.03	12,000
2026-06-01	$2.08	4,400
2026-05-29	$2.16	7,900
2026-05-28	$2.24	12,800
2026-05-27	$2.19	8,200
2026-05-26	$2.16	4,600
2026-05-22	$2.23	2,900
2026-05-21	$2.24	2,300
2026-05-20	$2.26	3,600
2026-05-19	$2.19	12,900
2026-05-18	$2.20	2,300
2026-05-15	$2.25	7,500
2026-05-14	$2.27	8,300
2026-05-13	$2.33	7,700
2026-05-12	$2.46	10,600
2026-05-11	$2.45	9,700
2026-05-08	$2.54	10,600
2026-05-07	$2.58	2,300
2026-05-06	$2.51	9,300

About Atlantic American Corporation

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.

📰 Latest News

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

Simply Wall St. • 2026-01-22T11:05:41Z

Atlantic American: Q3 Earnings Snapshot

Associated Press Finance • 2025-11-14T20:07:32Z

The 20% return this week takes Atlantic American's (NASDAQ:AAME) shareholders one-year gains to 89%

Simply Wall St. • 2025-08-15T10:06:37Z

Atlantic American: Q2 Earnings Snapshot

Associated Press Finance • 2025-08-12T18:22:07Z

Period:

Income Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue
Total Revenue	$188,227,000	$186,793,000	$187,851,000	$199,554,000
Operating Revenue	$188,227,000	$186,793,000	$187,851,000	$199,554,000
Expenses
Interest Expense	$3,419,000	$3,269,000	$1,952,000	$1,387,000
Total Expenses	$193,491,000	$187,358,000	$185,755,000	$194,252,000
Other Income Expense	$11,000	$17,000	$11,000	$13,000
Net Non Operating Interest Income Expense	$-3,419,000	$-3,269,000	$-1,952,000	$-1,387,000
Interest Expense Non Operating	$3,419,000	$3,269,000	$1,952,000	$1,387,000
Other Operating Expenses	$16,211,000	$15,465,000	$13,634,000	$13,675,000
Loss Adjustment Expense	$125,831,000	$122,500,000	$123,456,000	$131,694,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Interest Income	$-3,419,000	$-3,269,000	$-1,952,000	$-1,387,000
Normalized Income	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Income From Continuing And Discontinued Operation	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Income Common Stockholders	$-4,667,000	$-570,000	$1,126,000	$3,882,000
Net Income	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Income Including Noncontrolling Interests	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Income Continuous Operations	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Pretax Income	$-5,264,000	$-565,000	$2,096,000	$5,302,000
Per Share
Diluted EPS	$-0.23	$-0.03	$0.06	$0.19
Basic EPS	$-0.23	$-0.03	$0.06	$0.19
Other
Tax Effect Of Unusual Items	$0	$0	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Reconciled Depreciation	$366,000	$652,000	$890,000	$1,003,000
EBIT	$-1,845,000	$2,704,000	$4,048,000	$6,689,000
Diluted Average Shares	$18,556,522	$20,404,000	$20,390,000	$22,531,579
Basic Average Shares	$18,556,522	$20,404,000	$20,390,000	$22,531,579
Diluted NI Availto Com Stockholders	$-4,667,000	$-570,000	$1,126,000	$3,882,000
Preferred Stock Dividends	$399,000	$399,000	$399,000	$399,000
Tax Provision	$-996,000	$-394,000	$571,000	$1,021,000
Net Policyholder Benefits And Claims	$125,831,000	$122,500,000	$123,456,000	$131,694,000
Policyholder Benefits Gross	$167,373,000	$163,894,000	$174,046,000	$190,591,000
Policyholder Benefits Ceded	$41,542,000	$41,394,000	$50,590,000	$58,897,000

Fetched: 2026-05-25

Balance Sheet (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Net Tangible Assets	$97,069,000	$104,731,000	$99,649,000	$138,742,000
Total Assets	$393,428,000	$381,265,000	$367,064,000	$402,286,000
Goodwill And Other Intangible Assets	$2,544,000	$2,544,000	$2,544,000	$2,544,000
Receivables	$50,400,000	$44,793,000	$41,299,000	$42,375,000
Accounts Receivable	$50,400,000	$44,793,000	$41,299,000	$42,375,000
Cash Cash Equivalents And Short Term Investments	$72,441,000	$65,644,000	$237,592,000	$285,739,000
Cash And Cash Equivalents	$35,570,000	$28,301,000	$28,863,000	$24,753,000
Debt
Net Debt	$2,191,000	$8,456,000	$6,884,000	$8,985,000
Total Debt	$37,761,000	$36,757,000	$35,747,000	$33,738,000
Long Term Debt And Capital Lease Obligation	$33,738,000	$33,738,000	$33,738,000	$33,738,000
Long Term Debt	$33,738,000	$33,738,000	$33,738,000	$33,738,000
Current Debt And Capital Lease Obligation	$4,023,000	$3,019,000	$2,009,000	$0
Current Debt	$4,023,000	$3,019,000	$2,009,000	$0
Liabilities
Total Liabilities Net Minority Interest	$293,815,000	$273,990,000	$264,871,000	$261,000,000
Payables And Accrued Expenses	$30,948,000	$24,811,000	$26,473,000	$25,465,000
Equity
Common Stock Equity	$99,558,000	$107,220,000	$102,138,000	$141,231,000
Preferred Stock Equity	$55,000	$55,000	$55,000	$55,000
Total Equity Gross Minority Interest	$99,613,000	$107,275,000	$102,193,000	$141,286,000
Stockholders Equity	$99,613,000	$107,275,000	$102,193,000	$141,286,000
Other Equity Interest	$-2,000	$-13,000	$-132,000	$-73,000
Gains Losses Not Affecting Retained Earnings	$-18,712,000	$-16,121,000	$-22,149,000	$17,688,000
Other Equity Adjustments	$-18,712,000	$-16,121,000	$-22,149,000	$17,688,000
Retained Earnings	$45,854,000	$50,929,000	$51,982,000	$51,264,000
Long Term Equity Investment	$1,238,000	$1,238,000	$1,238,000	$1,238,000
Investments In Other Ventures Under Equity Method	$1,238,000	$1,238,000	$1,238,000	$1,238,000
Other
Treasury Shares Number	$2,001,136	$1,998,606	$1,993,665	$2,022,318
Preferred Shares Number	$55,000	$55,000	$55,000	$55,000
Ordinary Shares Number	$20,399,758	$20,402,288	$20,407,229	$20,378,576
Share Issued	$22,400,894	$22,400,894	$22,400,894	$22,400,894
Tangible Book Value	$97,014,000	$104,676,000	$99,594,000	$138,687,000
Invested Capital	$137,319,000	$143,977,000	$137,885,000	$174,969,000
Total Capitalization	$133,351,000	$141,013,000	$135,931,000	$175,024,000
Treasury Stock	$7,408,000	$7,401,000	$7,389,000	$7,490,000
Additional Paid In Capital	$57,425,000	$57,425,000	$57,425,000	$57,441,000
Capital Stock	$22,456,000	$22,456,000	$22,456,000	$22,456,000
Common Stock	$22,401,000	$22,401,000	$22,401,000	$22,401,000
Preferred Stock	$55,000	$55,000	$55,000	$55,000
Line Of Credit	$4,023,000	$3,019,000	$2,009,000	$0
Investments And Advances	$221,750,000	$228,870,000	$221,529,000	$281,348,000
Other Short Term Investments	$36,871,000	$37,343,000	$208,729,000	$260,986,000

Fetched: 2026-05-25

Cash Flow Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow
Free Cash Flow	$4,575,000	$2,542,000	$6,327,000	$981,000
Operating Activities
Operating Cash Flow	$4,800,000	$2,622,000	$6,453,000	$1,088,000
Cash Flow From Continuing Operating Activities	$4,800,000	$2,622,000	$6,453,000	$1,088,000
Operating Gains Losses	$-444,000	$290,000	$-271,000	$-4,613,000
Investing Activities
Capital Expenditure	$-225,000	$-80,000	$-126,000	$-107,000
Investing Cash Flow	$2,283,000	$-3,365,000	$-3,428,000	$5,300,000
Cash Flow From Continuing Investing Activities	$2,283,000	$-3,365,000	$-3,428,000	$5,300,000
Financing Activities
Financing Cash Flow	$186,000	$181,000	$1,085,000	$-954,000
Cash Flow From Continuing Financing Activities	$186,000	$181,000	$1,085,000	$-954,000
Cash Dividends Paid	$-807,000	$-807,000	$-807,000	$-807,000
Preferred Stock Dividend Paid	$-399,000	$-399,000	$-399,000	$-399,000
Common Stock Dividend Paid	$-408,000	$-408,000	$-408,000	$-408,000
Dividend Received Cfo	-	-	-	$290,000
Other
Issuance Of Debt	$1,000,000	$1,000,000	$2,000,000	$0
Interest Paid Supplemental Data	$3,445,000	$3,227,000	$1,794,000	$1,389,000
Income Tax Paid Supplemental Data	$580,000	$2,582,000	$2,764,000	$3,202,000
End Cash Position	$35,570,000	$28,301,000	$28,863,000	$24,753,000
Beginning Cash Position	$28,301,000	$28,863,000	$24,753,000	$19,319,000
Changes In Cash	$7,269,000	$-562,000	$4,110,000	$5,434,000
Proceeds From Stock Option Exercised	$-7,000	$-12,000	$-108,000	$-147,000
Net Issuance Payments Of Debt	$1,000,000	$1,000,000	$2,000,000	$0
Net Long Term Debt Issuance	$1,000,000	$1,000,000	$2,000,000	-
Long Term Debt Issuance	$1,000,000	$1,000,000	$2,000,000	$0
Net Investment Purchase And Sale	$2,508,000	$-3,285,000	$-3,302,000	$5,407,000
Sale Of Investment	$16,358,000	$14,788,000	$13,708,000	$40,699,000
Purchase Of Investment	$-13,850,000	$-18,073,000	$-17,010,000	$-35,292,000
Net PPE Purchase And Sale	$-225,000	$-80,000	$-126,000	$-107,000
Purchase Of PPE	$-225,000	$-80,000	$-126,000	$-107,000
Change In Working Capital	$13,240,000	$4,589,000	$2,938,000	$3,719,000
Change In Payables And Accrued Expense	$6,137,000	$-1,662,000	$1,008,000	$-947,000
Change In Receivables	$-5,581,000	$-3,520,000	$1,076,000	$1,545,000
Other Non Cash Items	$-20,519,000	$-18,353,000	$-23,951,000	$-24,571,000
Stock Based Compensation	$11,000	$119,000	$134,000	$211,000
Unrealized Gain Loss On Investment Securities	$1,516,000	$2,177,000	$7,562,000	$-1,894,000
Amortization Of Securities	$16,645,000	$16,440,000	$19,445,000	$24,064,000
Deferred Tax	$-1,747,000	$-3,121,000	$-1,819,000	$-1,112,000
Deferred Income Tax	$-1,747,000	$-3,121,000	$-1,819,000	$-1,112,000
Depreciation And Amortization	$366,000	$652,000	$890,000	$1,003,000
Earnings Losses From Equity Investments	$766,000	$360,000	$-241,000	$290,000
Gain Loss On Investment Securities	$-1,210,000	$-70,000	$-30,000	$-4,903,000
Net Income From Continuing Operations	$-4,268,000	$-171,000	$1,525,000	$4,281,000
Net Short Term Debt Issuance	-	$1,000,000	$2,000,000	$0
Short Term Debt Issuance	-	$1,000,000	$2,000,000	$0

Fetched: 2026-05-25