AAME
NEUTRAL
$2.77
Live
Atlantic American Corporation · NASDAQ
$1.25
52W Range
$3.71
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$56.5M
P/E
12.04
ROE
4.7%
Profit margin
2.5%
Debt/Equity
0.39
Dividend yield
0.72%
AI Analysis
AI-powered fundamental assessment
Confidence
65%
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, particularly given the company's small size 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, poor technical momentum, and lack of analyst coverage. The 20.8% revenue growth is encouraging but unconfirmed by earnings data, and the 1Y return of +100.9% may reflect speculative momentum rather than fundamentals.
Key Strengths
Trading at a deep discount to Graham Number ($5.27) and intrinsic value ($1.61), indicating potential undervaluation
Strong revenue growth of 20.8% YoY, suggesting top-line expansion
Low Price/Book (0.52) and Price/Sales (0.27) ratios, indicating market discount
Moderate debt-to-equity (0.39) and solid current ratio (1.50), suggesting manageable leverage
Low dividend payout ratio (8.7%) provides room for future increases if earnings stabilize
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health and operational inefficiencies
No Altman Z-Score available; potential distress risk due to small size and lack of financial resilience
No analyst coverage or target price, indicating low institutional interest and information opacity
Technical trend is bearish (0/100), with recent 6M decline of 15.6% despite 1Y rally
Lack of earnings growth data (YoY and Q/Q) undermines confidence in sustainable profitability
AI Fair Value Estimate
Based on comprehensive analysis
$4.85
+75.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
85
60
50
40
30
AI Verdict
neutral
Key drivers: Deep value metrics (P/B, P/S, Graham Number), Weak Piotroski F-Score and lack of Altman Z-Score, High revenue growth but no earnings confirmation, Bearish technical trend and no analyst coverage
Confidence
65%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($2.77) is 48% below Graham Number ($5.27)
- Price/Book (0.52) and Price/Sales (0.27) are extremely low
- Intrinsic value estimate ($1.61) suggests significant upside if growth materializes
Watchpoints
- No PEG or forward P/E to validate growth premium
- Stock may be cheap for a reason (e.g., earnings instability)
Future
60/100
Ref Growth rates
Positives
- 20.8% YoY revenue growth indicates strong top-line momentum
- High growth potential in niche insurance segment
Watchpoints
- No earnings growth data available (YoY or Q/Q)
- No forward guidance or analyst estimates to validate growth sustainability
Past
50/100
Ref Historical trends
Positives
- 1Y return of +100.9% shows strong historical momentum
- 52-week range ($1.25–$3.71) indicates volatility but recovery potential
Watchpoints
- 5Y change of -31.8% reflects long-term underperformance
- Recent 6M decline of 15.6% suggests weakening momentum
Health
40/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity (0.39) is below industry average
- Current ratio (1.50) and quick ratio (1.16) indicate short-term liquidity
Watchpoints
- Piotroski F-Score of 4/9 signals weak financial health
- No Altman Z-Score available; distress risk cannot be ruled out
Dividend
30/100
Ref Yield, Payout
Positives
- Low payout ratio (8.7%) suggests sustainability
- Dividend yield (0.72%) is modest but stable
Watchpoints
- Dividend strength score of 25/100 indicates weak overall dividend profile
- No 5-year yield history or ex-dividend date available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$2.77
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for AAME and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
AAME
Atlantic American Corporation
Primary
|
-31.8% | +22.1% | +100.9% | -15.6% | +7.8% | +5.7% |
|
HFBL
Home Federal Bancorp, Inc. of Louisiana
Peer
|
+35.7% | +16.1% | +42.0% | +30.8% | -2.4% | +4.0% |
|
FSEA
First Seacoast Bancorp, Inc.
Peer
|
+12.2% | +47.9% | +16.1% | +10.4% | -0.9% | +1.0% |
|
BENF
Beneficient
Peer
|
-99.9% | -99.9% | -11.3% | +44.6% | -50.6% | -7.5% |
|
HGBL
Heritage Global Inc.
Peer
|
-53.3% | -51.4% | -30.7% | -8.5% | +12.0% | +1.4% |
AAM
Atlantic American Corporation
Primary
5Y
-31.8%
3Y
+22.1%
1Y
+100.9%
6M
-15.6%
1M
+7.8%
1W
+5.7%
HFB
Home Federal Bancorp, Inc. of Louisiana
Peer
5Y
+35.7%
3Y
+16.1%
1Y
+42.0%
6M
+30.8%
1M
-2.4%
1W
+4.0%
FSE
First Seacoast Bancorp, Inc.
Peer
5Y
+12.2%
3Y
+47.9%
1Y
+16.1%
6M
+10.4%
1M
-0.9%
1W
+1.0%
BEN
Beneficient
Peer
5Y
-99.9%
3Y
-99.9%
1Y
-11.3%
6M
+44.6%
1M
-50.6%
1W
-7.5%
HGB
Heritage Global Inc.
Peer
5Y
-53.3%
3Y
-51.4%
1Y
-30.7%
6M
-8.5%
1M
+12.0%
1W
+1.4%
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
12.04
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.52
P/S Ratio
0.27
EV/Revenue
0.31
EV/EBITDA
6.44
Market Cap
$56.5M
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 377 companies in the Financial Services sector
(65 bullish, 163 neutral, 149 bearish)
P/E Ratio
12.04
This Stock
vs
50.76
Sector Avg
-76.3%
(Discount)
Return on Equity (ROE)
4.75%
This Stock
vs
-0.32%
Sector Avg
-1599.9%
(Below Avg)
Profit Margin
2.45%
This Stock
vs
64.46%
Sector Avg
-96.2%
(Weaker)
Debt to Equity
0.39
This Stock
vs
1.32
Sector Avg
-70.6%
(Less Debt)
Revenue Growth
20.8%
This Stock
vs
44.75%
Sector Avg
-53.5%
(Slower)
Current Ratio
1.5
This Stock
vs
3.1
Sector Avg
-51.5%
(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 | $56.5M | 12.04 | 4.7% | 2.5% | $2.77 | |
|
HFBL
Home Federal Bancorp, Inc....
|
BULLISH | $55.96M | 10.77 | 9.3% | 23.0% | $18.2 | Compare |
|
FSEA
First Seacoast Bancorp, Inc.
|
BEARISH | $59.88M | - | -1.3% | -5.5% | $12.75 | Compare |
|
BENF
Beneficient
|
BEARISH | $60.59M | - | -551.1% | -% | $4.35 | Compare |
|
HGBL
Heritage Global Inc.
|
NEUTRAL | $48.64M | 14.0 | 5.4% | 7.0% | $1.4 | Compare |
AAME
Atlantic...
NEUTRAL
Mkt Cap
$57M
P/E
12.0
ROE
4.7%
Price
$2.77
Past News Coverage
Recent headlines mentioning AAME from our newsroom.
Newest → oldest
No matching news yet.