AAME Atlantic American Corporation - Fundamental Analysis
NEUTRAL
Sign in to save
Save this symbol to a watchlist or track a position.
AAME Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Insurance - Life
Current Price
Live
$3.03
52W High
$3.71
52W Low
$1.25
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 21, 2026
Market cap
$61.8M
P/E
13.17
ROE
4.7%
Profit margin
2.5%
Debt/Equity
0.39
Dividend yield
0.65%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
AAME's Piotroski F-Score of 4/9 indicates weak financial health, signaling potential operational inefficiencies and limited profitability sustainability. The absence of an Altman Z-Score raises concern about default risk, especially given the company's small market cap and high leverage relative to peers. While the stock trades at a significant discount to its Graham Number ($5.27) and intrinsic value ($1.61), suggesting undervaluation, this is offset by stagnant earnings growth, lack of analyst coverage, and a bearish technical trend. The 20.8% revenue growth is encouraging but unaccompanied by earnings growth data, limiting conviction. Overall, the stock presents a speculative value opportunity with material execution and financial stability risks.
Key Strengths
Trading at a deep discount to Graham Number ($5.27) and intrinsic value ($1.61)
Strong revenue growth of 20.8% YoY
Low Price/Book (0.56) and Price/Sales (0.30) ratios indicate potential undervaluation
Debt/Equity ratio of 0.39 is relatively conservative for the sector
Positive 1-year price return (+94.8%) suggests recent market optimism
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health and operational instability
No available Altman Z-Score raises unquantified bankruptcy risk concerns
Lack of analyst coverage and target price data limits market consensus
Technical trend is bearish (0/100), indicating short-term downtrend
Dividend yield is minimal (0.65%) with low payout ratio (8.7%), suggesting limited income appeal
AI Fair Value Estimate
Based on comprehensive analysis
$4.85
+60.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
51
Moderate
85
60
50
35
25
AI Verdict
Neutral
Key drivers: Deep undervaluation relative to Graham and intrinsic value, Weak Piotroski F-Score and lack of Altman Z-Score, High revenue growth but no earnings growth data, Bearish technical trend and low analyst coverage, Small market cap increases volatility and liquidity risk
Confidence
68%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($3.03) is 43% below Graham Number ($5.27)
- Price/Book (0.56) and Price/Sales (0.30) are extremely low
- Intrinsic value estimate ($1.61) implies significant upside if growth materializes
Watchpoints
- No PEG or forward P/E to validate growth premium
- Intrinsic value is based on growth assumptions that lack earnings support
Future
60/100
Ref Growth rates
Positives
- 20.8% YoY revenue growth is strong for the insurance sector
- Recent 1-year return of +94.8% indicates market recognition of growth potential
Watchpoints
- No earnings growth data (YoY or Q/Q) to confirm profitability scaling
- No forward P/E or PEG ratio to assess growth valuation
Past
50/100
Ref Historical trends
Positives
- 5-year price change of -36.0% suggests long-term underperformance
- Recent 1-month and 1-week returns (+10.2%, +18.4%) show short-term momentum
Watchpoints
- 52-week low of $1.25 indicates significant downside risk
- 3-year return of +33.0% is modest compared to sector peers
Health
35/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity (0.39) is below industry average (1.51)
- Current ratio (1.50) and quick ratio (1.16) indicate adequate liquidity
Watchpoints
- Piotroski F-Score of 4/9 is below threshold for financial stability
- No Altman Z-Score available, raising unquantified distress risk
- ROE (4.75%) and ROA (1.49%) are low for a financial services firm
Dividend
25/100
Ref Yield, Payout
Positives
- Payout ratio of 8.7% is very low, indicating sustainability
- Dividend yield of 0.65% is stable despite low income appeal
Watchpoints
- Dividend yield is minimal and not attractive to income investors
- No 5-year average yield or ex-dividend date data available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$3.03
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AAME and closest competitors.
Updated 2026-02-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AAME
Atlantic American Corporation
Primary
|
-36.0% | +33.0% | +94.8% | -7.6% | +10.2% | +18.4% |
|
BENF
Beneficient
Peer
|
-99.9% | -99.9% | -11.3% | +44.6% | -50.6% | -7.5% |
|
ASRV
AmeriServ Financial, Inc.
Peer
|
+12.4% | -6.5% | +27.3% | +16.6% | +6.1% | +2.2% |
|
BCG
Binah Capital Group, Inc.
Peer
|
-72.8% | -72.8% | +3.3% | +9.9% | +9.7% | +7.6% |
|
AMTD
AMTD IDEA Group
Peer
|
-97.4% | -80.3% | -0.1% | -3.4% | -0.5% | -1.0% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.17
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.56
P/S Ratio
0.3
EV/Revenue
0.34
EV/EBITDA
6.98
Market Cap
$61.8M
Profitability
Profit margins and return metrics
Profit Margin
2.45%
Operating Margin
2.88%
Gross Margin
12.51%
ROE
4.75%
ROA
1.49%
Growth
Revenue and earnings growth rates
Revenue Growth
+20.8%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.39
Low debt
Current Ratio
1.5
Good
Quick Ratio
1.16
Good
Cash/Share
$1.69
Quarterly Earnings History
EPS performance vs analyst estimates
2025-08-13
$N/A
Financial Services Sector Comparison
Comparing AAME against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
13.17
This Stock
vs
30.39
Sector Avg
-56.6%
(Discount)
Return on Equity (ROE)
4.75%
This Stock
vs
-7.57%
Sector Avg
-162.7%
(Below Avg)
Profit Margin
2.45%
This Stock
vs
83.86%
Sector Avg
-97.1%
(Weaker)
Debt to Equity
0.39
This Stock
vs
1.51
Sector Avg
-74.2%
(Less Debt)
Revenue Growth
20.8%
This Stock
vs
30.29%
Sector Avg
-31.3%
(Slower)
Current Ratio
1.5
This Stock
vs
3.78
Sector Avg
-60.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
AAME
Atlantic American Corporation
|
NEUTRAL | $61.8M | 13.17 | 4.7% | 2.5% | $3.03 | |
|
BENF
Beneficient
|
BEARISH | $60.59M | - | -551.1% | -% | $4.35 | |
|
ASRV
AmeriServ Financial, Inc.
|
BEARISH | $55.78M | 9.68 | 5.0% | 10.2% | $3.29 | |
|
BCG
Binah Capital Group, Inc.
|
BEARISH | $42.89M | 64.58 | 5.9% | 0.6% | $2.58 | |
|
AMTD
AMTD IDEA Group
|
NEUTRAL | $81.04M | - | 5.1% | 45.0% | $1.01 |
Past News Coverage
Recent headlines mentioning AAME from our newsroom.
Newest → oldest
No matching news yet.