AAME Atlantic American Corporation - Fundamental Analysis

BEARISH

AAME Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Insurance - Life

Current Price Live

$2.56

52W High

$3.71

52W Low

$1.25

Overview AI Snowflake Price Valuation Profitability Growth Health Peers

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Feb 14, 2026

Market cap

$52.22M

P/E

11.64

ROE

4.7%

Profit margin

2.5%

Debt/Equity

0.39

Dividend yield

0.76%

AI Analysis

Confidence Score

85%

Analysis Accuracy

AAME exhibits weak financial health with a Piotroski F-Score of 4/9, indicating marginal stability and limited operational efficiency. The absence of an Altman Z-Score raises concern about bankruptcy risk, particularly given the company's low profitability and high leverage relative to peers. While the stock trades at a deep discount to its Graham Number ($5.15) and Price/Book (0.48), this may reflect underlying structural issues rather than undervaluation. The lack of analyst coverage, stagnant earnings growth, and bearish technical trend further undermine confidence. Despite a modest 20.8% revenue growth, profitability remains subpar, with ROE at just 4.75% and profit margins below 3%.

Key Strengths

Trading at a significant discount to Graham Number ($5.15) suggests potential value if fundamentals improve

Strong revenue growth of 20.8% YoY indicates top-line expansion

Low Price/Book ratio (0.48) implies market may be pricing in asset liquidation value

Debt/Equity ratio of 0.39 is relatively conservative for the insurance sector

Positive current and quick ratios (1.50 and 1.16) indicate short-term liquidity strength

Key Risks

Piotroski F-Score of 4/9 signals weak financial health and operational inefficiency

No Altman Z-Score available; potential distress risk due to low profitability and sector-wide challenges

Intrinsic value estimate ($1.54) is well below current price ($2.56), suggesting overvaluation based on growth metrics

No analyst coverage or target price, indicating low institutional interest and information opacity

Bearish technical trend (0/100) and recent 6-month decline (-16.9%) reflect negative market sentiment

AI Fair Value Estimate

Based on comprehensive analysis

$1.54

-39.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Weak

Key drivers: Low Piotroski F-Score, Absence of Altman Z-Score, Low intrinsic value vs. current price, Bearish technicals, Lack of analyst coverage

Confidence

85%

Value

65/100

Ref P/E, PEG, Graham Number

Positives

Price/Book of 0.48 is deeply undervalued
Graham Number of $5.15 is significantly above current price
Low Price/Sales (0.25) suggests potential value

Watchpoints

Intrinsic value estimate ($1.54) is below current price
PEG and Forward P/E not available, limiting growth-adjusted valuation

Future

45/100

Ref Growth rates

Positives

20.8% YoY revenue growth indicates top-line momentum
Revenue growth outpaces sector average (30.30%)

Watchpoints

No earnings growth data available
No forward guidance or analyst estimates
Intrinsic value based on growth is low ($1.54), suggesting limited growth premium

Past

30/100

Ref Historical trends

Positives

5-year price change of -50.2% may reflect overcorrection
1-year return of +57.6% shows recent rebound

Watchpoints

52-week high of $3.71 vs. current $2.56 indicates recent weakness
6-month and 1-month declines (-16.9%, -15.2%) show sustained downward pressure

Health

35/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Current ratio (1.50) and quick ratio (1.16) indicate solid short-term liquidity
Debt/Equity of 0.39 is conservative

Watchpoints

Piotroski F-Score of 4/9 indicates weak financial health
No Altman Z-Score available; potential distress risk
ROE (4.75%) and ROA (1.49%) are below industry norms

Dividend

20/100

Ref Yield, Payout

Positives

Dividend payout ratio of 8.70% is extremely conservative
Dividend yield of 0.76% is stable

Watchpoints

Dividend strength score of 25/100 indicates weak overall dividend profile
No 5-year average yield or ex-dividend date available
Low yield suggests limited income appeal

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$2.56

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AAME and closest competitors.

Updated 2026-02-13

Company	5Y	3Y	1Y	6M	1M	1W
AAME Atlantic American Corporation Primary	-50.2%	+11.0%	+57.6%	-16.9%	-15.2%	+2.4%
ASRV AmeriServ Financial, Inc. Peer	+12.4%	-6.5%	+27.3%	+16.6%	+6.1%	+2.2%
BENF Beneficient Peer	-99.9%	-99.9%	-11.3%	+44.6%	-50.6%	-7.5%
BCG Binah Capital Group, Inc. Peer	-72.8%	-72.8%	+3.3%	+9.9%	+9.7%	+7.6%
BNKK Bonk, Inc. Peer	-96.9%	-72.4%	-65.3%	-76.8%	+83.6%	+72.7%

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

11.64

N/A

0.48

0.25

0.29

6.01

$52.22M

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 (5 bullish, 111 neutral, 92 bearish)

P/E Ratio

11.64

This Stock

30.38

Sector Avg

-61.7% (Discount)

Return on Equity (ROE)

4.75%

This Stock

-7.57%

Sector Avg

-162.7% (Below Avg)

Profit Margin

2.45%

This Stock

83.86%

Sector Avg

-97.1% (Weaker)

Debt to Equity

0.39

This Stock

1.51

Sector Avg

-74.2% (Less Debt)

Revenue Growth

20.8%

This Stock

30.29%

Sector Avg

-31.3% (Slower)

Current Ratio

1.5

This Stock

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	BEARISH	$52.22M	11.64	4.7%	2.5%	$2.56
ASRV AmeriServ Financial, Inc.	BEARISH	$55.78M	9.68	5.0%	10.2%	$3.29
BENF Beneficient	BEARISH	$60.59M	-	-551.1%	-%	$4.35
BCG Binah Capital Group, Inc.	BEARISH	$42.89M	64.58	5.9%	0.6%	$2.58
BNKK Bonk, Inc.	BEARISH	$32.68M	-	-93.7%	-%	$6.06

Past News Coverage

Recent headlines mentioning AAME from our newsroom.

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