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AMSF vs BIT

AMSF
AMERISAFE, Inc.
BEARISH
Price
$30.74
Market Cap
$575.0M
Sector
Financial Services
AI Confidence
85%
BIT
BlackRock Multi-Sector Income Trust
BEARISH
Price
$13.17
Market Cap
$578.2M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AMSF
12.65
BIT
9.34
Forward P/E
AMSF
14.76
BIT
--
P/B Ratio
AMSF
2.29
BIT
--
P/S Ratio
AMSF
1.77
BIT
--
EV/EBITDA
AMSF
8.75
BIT
--

Profitability

Gross Margin
AMSF
28.04%
BIT
0.0%
Operating Margin
AMSF
12.68%
BIT
0.0%
Profit Margin
AMSF
14.27%
BIT
0.0%
ROE
AMSF
18.27%
BIT
--
ROA
AMSF
3.17%
BIT
--

Growth

Revenue Growth
AMSF
10.3%
BIT
--
Earnings Growth
AMSF
-8.5%
BIT
--

Financial Health

Debt/Equity
AMSF
--
BIT
--
Current Ratio
AMSF
1.92
BIT
--
Quick Ratio
AMSF
1.31
BIT
--

Dividends

Dividend Yield
AMSF
5.34%
BIT
11.27%
Payout Ratio
AMSF
65.02%
BIT
102.37%

AI Verdict

AMSF BEARISH

AMSF exhibits significant fundamental weakness, highlighted by a Piotroski F-Score of 3/9, indicating poor financial health. The stock is currently trading at $30.74, which is a premium to both its Graham Number ($27.06) and its growth-based Intrinsic Value ($17.01). While revenue growth remains positive, earnings are declining (-8.50% YoY) and the company has failed to beat earnings estimates in the last four consecutive quarters. This fundamental deterioration is mirrored by a 0/100 technical trend and bearish insider activity from the CFO.

Strengths
Strong Return on Equity (ROE) of 18.27%
Positive top-line revenue growth of 10.30% YoY
Attractive dividend yield of 5.34%
Risks
Weak fundamental health as evidenced by a Piotroski F-Score of 3/9
Negative earnings growth (-8.50% YoY) and declining EPS
Poor earnings track record with 0 beats in the last 4 quarters
BIT BEARISH

The BIT Advanced Deterministic Scorecard reveals severe financial health concerns, highlighted by a critically low Piotroski F-Score of 1/9, indicating weak fundamental strength. Despite a current price of $13.17 and a seemingly low P/E of 9.34, the absence of profitability metrics (all margins at 0.00%) and missing key financial data raise red flags about sustainability. The dividend appears unsustainable with a payout ratio of 102.37%, and the lack of Altman Z-Score prevents safety confirmation, while technical trend scores at 0/100 signal strong bearish momentum. Although the 5-year return is positive at +22.9%, recent underperformance and missing analyst coverage further weaken the investment case.

Strengths
Low P/E ratio of 9.34 compared to sector average of 29.67 suggests potential valuation discount
High dividend yield of 11.27% may attract income-focused investors
Market cap of $0.58B provides niche positioning within financial services
Risks
Critically low Piotroski F-Score of 1/9 indicates severe deterioration in financial health
Profit margins at 0.00% across all levels suggest no core profitability
Dividend payout ratio of 102.37% exceeds earnings, threatening sustainability

Compare Another Pair

AMSF vs BIT: Head-to-Head Comparison

This page compares AMERISAFE, Inc. (AMSF) and BlackRock Multi-Sector Income Trust (BIT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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