AAME
Atlantic American Corporation
Price Chart
Latest Quote
$2.68
Current Price| Previous Close | $2.71 |
| Open | $2.73 |
| Day High | $2.73 |
| Day Low | $2.61 |
| Volume | 17,593 |
Stock Information
| Quarterly Dividend / Yield | $0.02 / 0.73% |
| Shares Outstanding | 20.40M |
| Total Debt | $42.66M |
| Cash Equivalents | $34.44M |
| Revenue | $208.22M |
| Net Income | $4.71M |
| Sector | Financial Services |
| Industry | Insurance - Life |
| Market Cap | $54.66M |
| P/E Ratio | 11.65 |
| EPS (TTM) | $0.23 |
| Exchange | NGM |
đ Custom Metrics & Score
Score: 15/42| Debt to Equity | 0.38 |
| Debt to Earnings | -7.17 |
| Avg Revenue Growth | -1.42% |
| Profit Margin | -2.27% |
| Return on Equity | -4.28% |
| Avg FCF Growth | 91.59% |
| FCF Yield | 8.37% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $2.68 | 17,593 |
| 2026-01-30 | $2.71 | 6,600 |
| 2026-01-29 | $2.78 | 11,100 |
| 2026-01-28 | $2.78 | 10,800 |
| 2026-01-27 | $2.73 | 8,200 |
| 2026-01-26 | $2.77 | 32,200 |
| 2026-01-23 | $2.71 | 10,800 |
| 2026-01-22 | $2.71 | 9,300 |
| 2026-01-21 | $2.75 | 17,400 |
| 2026-01-20 | $2.82 | 32,200 |
| 2026-01-16 | $2.90 | 16,600 |
| 2026-01-15 | $3.01 | 14,300 |
| 2026-01-14 | $3.02 | 17,900 |
| 2026-01-13 | $3.00 | 8,800 |
| 2026-01-12 | $3.00 | 8,200 |
| 2026-01-09 | $3.03 | 5,500 |
| 2026-01-08 | $2.95 | 5,600 |
| 2026-01-07 | $2.98 | 35,000 |
| 2026-01-06 | $2.99 | 13,600 |
| 2026-01-05 | $2.97 | 59,300 |
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.
đ° Latest News
Atlantic American's (NASDAQ:AAME) investors will be pleased with their notable 85% return over the last year
Simply Wall St. âĸ 2026-01-22T11:05:41Z
Atlantic American: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-11-14T20:07:32ZThe 20% return this week takes Atlantic American's (NASDAQ:AAME) shareholders one-year gains to 89%
Simply Wall St. âĸ 2025-08-15T10:06:37Z
Atlantic American: Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-08-12T18:22:07ZAtlantic American First Quarter 2025 Earnings: EPS: US$0.03 (vs US$0.10 loss in 1Q 2024)
Simply Wall St. âĸ 2025-05-15T11:38:40Z
Atlantic American: Q1 Earnings Snapshot
Associated Press Finance âĸ 2025-05-13T17:48:48ZAtlantic American (NASDAQ:AAME) Has Affirmed Its Dividend Of $0.02
Simply Wall St. âĸ 2025-03-29T13:01:40Z
Atlantic American: Q4 Earnings Snapshot
Associated Press Finance âĸ 2025-03-25T17:56:31ZIncome Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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 Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $-0.23 | $-0.03 | $0.06 | $0.19 |
| Basic EPS | $-0.23 | $-0.03 | $0.06 | $0.19 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $4,575,000 | $2,542,000 | $6,327,000 | $981,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| 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 |