AMSF

BEARISH

$30.74 Live

AMERISAFE, Inc. · NASDAQ

Target $36.67 (+19.3%)

$29.45 52W Range $49.94

AMSF AMERISAFE, Inc. - Fundamental Analysis

BEARISH

Console Chart News

AMSF Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Insurance - Specialty

Current Price Live

$30.74

Analyst Target

$36.67

+19.3% Upside

52W High

$49.94

52W Low

$29.45

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026

Market cap

$574.95M

P/E

12.65

ROE

18.3%

Profit margin

14.3%

Debt/Equity

N/A

Dividend yield

5.34%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key Strengths

Strong Return on Equity (ROE) of 18.27%

Positive top-line revenue growth of 10.30% YoY

Attractive dividend yield of 5.34%

Reasonable P/E ratio (12.65) relative to the broader financial sector

Healthy liquidity with a current ratio of 1.92

Key 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

Severe technical breakdown with a 0/100 trend and -33% 1-year return

Bearish insider sentiment with CFO selling shares

AI Fair Value Estimate

Based on comprehensive analysis

$22.0

-28.4% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Bearish

Key drivers: Piotroski F-Score 3/9, Consistent earnings misses, Price > Graham/Intrinsic Value, Negative earnings growth

Confidence

90%

Value

40/100

P/E 12.65, PEG 1.81

Positives

Low P/E ratio

Watchpoints

Trading above Graham Number ($27.06)
Trading significantly above Intrinsic Value ($17.01)

Future

30/100

Earnings Growth -8.50%

Positives

Revenue growth is still positive

Watchpoints

Earnings growth is negative
Consistent failure to meet analyst expectations

Past

20/100

1Y Change -33.0%

Positives

Historically strong ROE

Watchpoints

Negative 5Y, 3Y, and 1Y price performance
Recent sharp decline in share price

Health

30/100

Piotroski F-Score 3/9

Positives

Current ratio 1.92

Watchpoints

Piotroski F-Score 3/9 (Weak)

Dividend

70/100

Yield 5.34%, Payout 65.02%

Positives

High yield of 5.34%

Watchpoints

Payout ratio of 65.02% may limit future growth

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$30.74

Analyst Target

$36.67

Upside/Downside

+19.3%

Multi-Horizon Performance vs Peers

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

Updated 2026-04-27

Company	5Y	3Y	1Y	6M	1M	1W
AMSF AMERISAFE, Inc. Primary	-24.4%	-29.4%	-33.0%	-21.6%	-6.1%	-8.3%
BHB Bar Harbor Bankshares Peer	+41.0%	+58.9%	+21.1%	+13.8%	+7.7%	-0.9%
BIT BlackRock Multi-Sector Income Trust Peer	+22.9%	+18.3%	-0.7%	-4.7%	+1.2%	+0.1%
GAIN Gladstone Investment Corporation Peer	+89.5%	+63.5%	+23.5%	+11.8%	+7.5%	+1.0%
NFBK Northfield Bancorp, Inc. Peer	+6.1%	+42.5%	+49.0%	+27.1%	+1.0%	-1.7%

AMS

AMERISAFE, Inc.

Primary

-24.4%

-29.4%

-33.0%

-21.6%

-6.1%

-8.3%

BHB

Bar Harbor Bankshares

Peer

+41.0%

+58.9%

+21.1%

+13.8%

+7.7%

-0.9%

BIT

BlackRock Multi-Sector Income Trust

Peer

+22.9%

+18.3%

-0.7%

-4.7%

+1.2%

+0.1%

GAI

Gladstone Investment Corporation

Peer

+89.5%

+63.5%

+23.5%

+11.8%

+7.5%

+1.0%

NFB

Northfield Bancorp, Inc.

Peer

+6.1%

+42.5%

+49.0%

+27.1%

+1.0%

-1.7%

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

12.65

14.76

1.81

2.29

1.77

1.57

8.75

$574.95M

Profitability

Profit margins and return metrics

Profit Margin 14.27%

Operating Margin 12.68%

Gross Margin 28.04%

ROE 18.27%

ROA 3.17%

Growth

Revenue and earnings growth rates

Revenue Growth +10.3%

Earnings Growth -8.5%

Q/Q Revenue Growth +10.31%

Q/Q Earnings Growth -9.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

1.92

Good

Quick Ratio

1.31

Good

Cash/Share

$3.37

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue

$0.1B

Net Margin

10.2%

Total Assets

$1.1B

Liabilities

$0.9B

Equity

$0.2B

Debt/Equity

3.55x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-23

$N/A

2026-04-22

$0.5

-7.4% surprise

2026-02-25

$0.51

-14.3% surprise

2025-10-29

$0.55

-1.8% surprise

Financial Services Sector Comparison

Comparing AMSF against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

12.65

This Stock

36.01

Sector Avg

-64.9% (Discount)

Return on Equity (ROE)

18.27%

This Stock

-0.73%

Sector Avg

-2592.8% (Below Avg)

Profit Margin

14.27%

This Stock

91.62%

Sector Avg

-84.4% (Weaker)

Revenue Growth

10.3%

This Stock

35.27%

Sector Avg

-70.8% (Slower)

Current Ratio

1.92

This Stock

3.18

Sector Avg

-39.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
AMSF AMERISAFE, Inc.	BEARISH	$574.95M	12.65	18.3%	14.3%	$30.74
BHB Bar Harbor Bankshares	NEUTRAL	$578.1M	14.04	8.0%	23.3%	$34.53	Compare
BIT BlackRock Multi-Sector Income Trust	BEARISH	$578.22M	9.34	-%	-%	$13.17	Compare
GAIN Gladstone Investment Corporation	NEUTRAL	$578.61M	4.6	22.2%	118.6%	$14.53	Compare
NFBK Northfield Bancorp, Inc.	NEUTRAL	$568.83M	681.0	0.1%	0.5%	$13.62	Compare

AMSF AMERISAFE, Inc.

BEARISH

Mkt Cap

$575M

P/E

12.7

ROE

18.3%

Price

$30.74

BHB Bar Harbor Bankshares

Compare with AMSF

Compare with AMSF

Compare with AMSF

Compare with AMSF

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-12	FROST GERRY JANELLE	Chief Executive Officer	Stock Award	24,814	-
2026-03-12	GAGLIANO VINCENT J	Officer	Stock Award	6,392	-
2026-03-12	SHIRLEY KATHRYN HOUSH	Officer	Stock Award	5,905	-
2026-03-12	WISE RAYMOND F JR	Officer	Stock Award	5,694	-
2026-02-27	FROST GERRY JANELLE	Chief Executive Officer	Stock Award	4,401	-
2026-02-27	GAGLIANO VINCENT J	Officer	Stock Award	1,133	-
2026-02-27	SHIRLEY KATHRYN HOUSH	Officer	Stock Award	1,047	-
2026-02-27	WISE RAYMOND F JR	Officer	Stock Award	1,044	-
2025-11-20	OMIRIDIS ANASTASIOS	Chief Financial Officer	Sale	1,247	$50,142
2025-11-07	OMIRIDIS ANASTASIOS	Chief Financial Officer	Sale	1,235	$50,314

FROST GERRY JANELLE

Chief Executive Officer

Stock Award

2026-03-12

24,814 shares

GAGLIANO VINCENT J

Officer

Stock Award

2026-03-12

6,392 shares

SHIRLEY KATHRYN HOUSH

Officer

Stock Award

2026-03-12

5,905 shares

WISE RAYMOND F JR

Officer

Stock Award

2026-03-12

5,694 shares

FROST GERRY JANELLE

Chief Executive Officer

Stock Award

2026-02-27

4,401 shares

GAGLIANO VINCENT J

Officer

Stock Award

2026-02-27

1,133 shares

SHIRLEY KATHRYN HOUSH

Officer

Stock Award

2026-02-27

1,047 shares

WISE RAYMOND F JR

Officer

Stock Award

2026-02-27

1,044 shares

OMIRIDIS ANASTASIOS

Chief Financial Officer

Sell

2025-11-20

1,247 shares · $50,142

OMIRIDIS ANASTASIOS

Chief Financial Officer

Sell

2025-11-07

1,235 shares · $50,314

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-24

AMSF filed a Definitive Proxy Statement on April 24, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-Q

2026-04-23

AMSF filed its quarterly Form 10-Q on April 23, 2026. Due to the absence of provided excerpts, specific financial highlights and risk factors are unavailable for summary.

8-K

2026-04-22

AMSF filed an 8-K on April 22, 2026, likely to announce its quarterly financial results.

8-K

2026-04-16

AMSF filed an 8-K on April 16, 2026, likely to announce its first-quarter financial results.

10-K

2026-02-27

AMSF operates within the insurance industry, as indicated in its 10-K filing dated February 27, 2026. Because the provided excerpts consist primarily of the filing's table of contents, specific financial highlights and detailed risk factors are not available.

8-K

2026-02-25

AMSF likely filed this 8-K to announce its annual financial results for the preceding fiscal year.

8-K

2025-11-03

AMSF filed an 8-K on November 3, 2025, likely to announce its third-quarter financial results.

10-Q

2025-10-30

AMSF filed its quarterly 10-Q report on October 30, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors are unavailable for summary.

8-K

2025-10-29

AMSF filed an 8-K on October 29, 2025, likely to announce its third-quarter financial results.

10-Q

2025-07-25

AMSF filed its 10-Q quarterly report on July 25, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors are unavailable for analysis.

8-K

2025-07-24

8-K

2025-07-24

8-K

2025-06-09

10-Q

2025-04-30

DEF 14A

2025-04-30

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

3 analysts

Truist Securities

2026-04-23

Maintains

Hold Hold

Citizens

2026-04-13

Maintains

Market Outperform Market Outperform

Truist Securities

2026-02-27

Maintains

Hold Hold

Citizens

2026-01-16

Maintains

Market Outperform Market Outperform

Past News Coverage

Recent headlines mentioning AMSF from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

AMSF

AMSF AMERISAFE, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

Wait — Don't Miss Out!