Atlantic American Corporation logo

Atlantic American Corporation

AAME

NASDAQFinancial ServicesInsurance - Life

Previous close

$1.35

+$0.01 · +0.75%

Aug 21, 4:00 PM ET

AAME company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

88

Deep Value

Momentum

17

Strong Down

Sentiment

57

Mixed

Risk resilience

28

High Risk

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Company profile

Company website

Atlantic American Corporation (AAME) is an insurance holding company that, through its subsidiaries, delivers a diverse range of life, health, and property & casualty insurance offerings throughout the United States. Its operations are segmented into American Southern and Bankers Fidelity. Within its property and casualty division, AAME underwrites commercial auto coverage tailored for state and local government agencies, as well as various motor pool and fleet operators. This division also furnishes inland marine and general liability insurance. Additionally, it offers surety bonds, including those for subdivision development, school bus service contracts, and guarantees of performance and payment. Furthermore, the company's life and health insurance portfolio encompasses both individual and group whole life policies, alongside Medicare supplement plans. It also extends a suite of additional accident and health coverages. These include specific individual and group policies providing benefits for diagnosed cancer and other critical illnesses, as well as policies for short-term nursing facility care, accident expenses, hospital indemnity, and disability protection. Distribution of its diverse product lines is managed through a network of independent agents and brokers. Established in 1937, Atlantic American Corporation maintains its corporate headquarters in Atlanta, Georgia.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Hilton Hatchett Howell Jr.
Listed since
Mar 17, 1980
Employees
155

Market position

Day range

Current $1.35

52-week range

Current $1.35

Open
$1.34
Previous close
$1.34
Volume
19.42K
1.39× average
Average volume
13.95K
Average daily volume
Market cap
27.54M USD
Beta
0.79
Market reference 1
50-day average
$1.6052
-15.90% below average
200-day average
$2.3225
-41.87% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
33.61M USD
P/E (TTM)
6.06×
P/B (TTM)
0.25×
P/S (TTM)
0.17×
EV / EBITDA
-22.72×
Earnings yield
-13.59%
Free cash flow yield
14.56%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
21.32%
Operating margin
3.78%
Net margin
2.95%
Return on equity
-4.28%
Return on assets
-1.08%
Return on invested capital
-11.20%

Financial health

Debt / equity
0.34×
Current ratio
8.84×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends16%9%2%-5%Gross margin, FY2020: 14.67%Gross margin, FY2021: 10.20%Gross margin, FY2022: 9.41%Gross margin, FY2023: 9.73%Gross margin, FY2024: 7.63%Operating margin, FY2020: 7.94%Operating margin, FY2021: 2.66%Operating margin, FY2022: 1.12%Operating margin, FY2023: -0.30%Operating margin, FY2024: -2.80%Net margin, FY2020: 6.23%Net margin, FY2021: 2.15%Net margin, FY2022: 0.81%Net margin, FY2023: -0.09%Net margin, FY2024: -2.27%FY2020FY2021FY2022FY2023FY2024
Gross margin FY2020 14.67%. Gross margin FY2021 10.20%. Gross margin FY2022 9.41%. Gross margin FY2023 9.73%. Gross margin FY2024 7.63%. Operating margin FY2020 7.94%. Operating margin FY2021 2.66%. Operating margin FY2022 1.12%. Operating margin FY2023 -0.30%. Operating margin FY2024 -2.80%. Net margin FY2020 6.23%. Net margin FY2021 2.15%. Net margin FY2022 0.81%. Net margin FY2023 -0.09%. Net margin FY2024 -2.27%.

Income trends

Revenue

188.23M USD+0.77%

Operating income

−5.26M USD-831.68%

Net income

−4.27M USD-2395.91%
Income trends across reported periods220.04M USD138.11M USD56.18M USD−25.75M USDRevenue, FY2020: 195.35M USDRevenue, FY2021: 199.55M USDRevenue, FY2022: 187.85M USDRevenue, FY2023: 186.79M USDRevenue, FY2024: 188.23M USDOperating income, FY2020: 15.5M USDOperating income, FY2021: 5.3M USDOperating income, FY2022: 2.1M USDOperating income, FY2023: −565K USDOperating income, FY2024: −5.26M USDNet income, FY2020: 12.17M USDNet income, FY2021: 4.28M USDNet income, FY2022: 1.53M USDNet income, FY2023: −171K USDNet income, FY2024: −4.27M USDFY2020FY2021FY2022FY2023FY2024
Revenue FY2020 195.35M USD. Revenue FY2021 199.55M USD. Revenue FY2022 187.85M USD. Revenue FY2023 186.79M USD. Revenue FY2024 188.23M USD. Operating income FY2020 15.5M USD. Operating income FY2021 5.3M USD. Operating income FY2022 2.1M USD. Operating income FY2023 −565K USD. Operating income FY2024 −5.26M USD. Net income FY2020 12.17M USD. Net income FY2021 4.28M USD. Net income FY2022 1.53M USD. Net income FY2023 −171K USD. Net income FY2024 −4.27M USD.
Metric (USD)FY2024FY2023FY2022FY2021FY2020
Revenue188.23M USD186.79M USD187.85M USD199.55M USD195.35M USD
Cost of goods sold173.86M USD168.62M USD170.17M USD179.19M USD166.69M USD
Gross profit14.37M USD18.17M USD17.68M USD20.36M USD28.66M USD
Operating expenses19.63M USD18.73M USD15.59M USD15.06M USD13.16M USD
Interest expense3.42M USD3.27M USD1.95M USD1.39M USD1.61M USD
Depreciation and amortization366K USD652K USD890K USD1M USD980K USD
Operating income−5.26M USD−565K USD2.1M USD5.3M USD15.5M USD
Net income−4.27M USD−171K USD1.53M USD4.28M USD12.17M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.02

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.11-0.01-0.13-0.25Q2 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25
Q2 2024, reported Apr 1, 2024: actual -0.21, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 14, 2024: actual -0.12, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 14, 2024: actual -0.06, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 12, 2024: actual -0.04, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 25, 2025: actual -0.04, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 0.01, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 0.07, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 0.02, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates57.5M52.44M47.37M42.31MQ2 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25
Q2 2024, reported Apr 1, 2024: actual 46.75M USD, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 14, 2024: actual 47M USD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 14, 2024: actual 47.67M USD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 12, 2024: actual 44.52M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 25, 2025: actual 49.04M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 50.13M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 12, 2025: actual 55.29M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 53.76M USD, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.18

1987 complete year-40.8% since 1985

Corporate action history

Dividend

Ex-dividend Apr 9, 2025

$0.02

Annual

Record Apr 9, 2025 · Payment Apr 23, 2025

Dividend

Ex-dividend Apr 11, 2024

$0.02

Irregular

Record Apr 12, 2024 · Payment Apr 26, 2024

Dividend

Ex-dividend Aug 21, 2023

$0.02

Irregular

Record Aug 22, 2023 · Payment Sep 12, 2023

Dividend

Ex-dividend Apr 12, 2022

$0.02

Annual

Record Apr 13, 2022 · Payment Apr 27, 2022

Dividend

Ex-dividend Apr 12, 2021

$0.02

Annual

Record Apr 13, 2021 · Payment Apr 27, 2021

Dividend

Ex-dividend Apr 9, 2019

$0.02

Annual

Record Apr 10, 2019 · Payment Apr 24, 2019

AAME peers

ETFs holding AAME

Funds reporting this stock among their holdings, ordered by reported position size.

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