ASIC
NEUTRAL
$19.36
Live
Ategrity Specialty Insurance Company Holdings · NYSE
Target $26.8
(+38.4%)
$16.35
52W Range
$25.3
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 23, 2026
Market cap
$930.57M
P/E
12.25
ROE
15.0%
Profit margin
17.4%
Debt/Equity
0.0
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
72%
ASIC's Piotroski F-Score of 4/9 indicates a borderline stable financial health, falling short of strong fundamentals. The absence of an Altman Z-Score raises concern about default risk, especially given the company's lack of disclosed debt and cash metrics. While the Graham Number ($21.31) and intrinsic value ($11.06) suggest undervaluation, the current price of $19.36 trades at a premium to intrinsic value, likely due to strong profitability and recent earnings surprises. The stock shows solid growth momentum in revenue (17.9% YoY) and consistent earnings beats (3/4 quarters), but earnings declined 9% YoY, creating a mixed signal. Analysts maintain a 'buy' recommendation with a $26.80 target, indicating optimism despite the valuation premium.
Key Strengths
Strong profit margins (17.44% net, 26.94% operating) relative to sector peers
Consistent earnings beat rate (3/4 quarters) with average surprise of 38.61%
High revenue growth (17.9% YoY) outpacing sector average
Zero debt (Debt/Equity = 0.00) and healthy current ratio (1.58)
Positive Q/Q earnings growth (+17.3%) and strong insider sentiment (60/100)
Key Risks
Piotroski F-Score of 4/9 indicates weak financial stability; below threshold for strong health
No Altman Z-Score available, creating uncertainty around bankruptcy risk
Earnings declined 9% YoY despite revenue growth, signaling margin pressure or one-time costs
Current price ($19.36) trades at a significant premium to intrinsic value ($11.06)
No dividend, no free cash flow data, and limited insider trading activity (neutral)
AI Fair Value Estimate
Based on comprehensive analysis
$15.8
-18.4% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
48
Moderate
55
72
65
50
0
AI Verdict
neutral
Key drivers: Strong revenue growth and earnings beat history, High profitability and zero debt, Piotroski F-Score of 4 limits health score, Lack of Altman Z-Score introduces risk uncertainty, Price premium to intrinsic value
Confidence
75%
Value
55/100
Ref P/E, PEG, Graham Number
Positives
- Graham Number ($21.31) exceeds current price
- P/E of 12.25 is below sector average (30.35)
- Forward P/E of 7.47 suggests market expects future earnings recovery
Watchpoints
- Current price ($19.36) is 75% above intrinsic value ($11.06)
- No PEG ratio available, limiting growth-adjusted valuation
- Price/Sales of 2.19 is elevated for a property & casualty insurer
Future
72/100
Ref Growth rates
Positives
- 17.9% YoY revenue growth
- Q/Q earnings growth of +17.3%
- Most recent quarter beat estimate by +46.5%
- Analyst target price of $26.80 implies 38.5% upside
Watchpoints
- Earnings declined 9% YoY despite revenue growth
- No forward guidance or FCF data to validate sustainability
Past
65/100
Ref Historical trends
Positives
- 3 out of 4 quarters beat earnings estimates
- Average earnings surprise of 38.61% over last 4 quarters
- Stable ROE of 15.02% and strong ROA of 4.70%
Watchpoints
- 5-year price decline of -21.6% despite positive fundamentals
- No dividend history or payout consistency
- Lack of detailed historical cash flow and debt data
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity = 0.00
- Current ratio of 1.58 and quick ratio of 1.12 indicate liquidity
- No disclosed debt or cash issues
Watchpoints
- Piotroski F-Score of 4/9 indicates borderline stability
- No Altman Z-Score available, raising default risk uncertainty
- No free cash flow or operating cash flow data
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- Dividend Strength = 0/100
- Payout Ratio = 0.00%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.36
Analyst Target
$26.8
Upside/Downside
+38.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ASIC and closest competitors.
Updated 2026-03-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ASIC
Ategrity Specialty Insurance Company Holdings
Primary
|
-21.6% | -21.6% | -21.6% | -5.8% | +13.2% | -2.0% |
|
BFST
Business First Bancshares, Inc.
Peer
|
+34.8% | +98.0% | +22.3% | +14.3% | +5.5% | -2.5% |
|
MBWM
Mercantile Bank Corporation
Peer
|
+101.4% | +106.2% | +36.6% | +21.2% | +9.5% | -0.1% |
|
EQBK
Equity Bancshares, Inc.
Peer
|
+61.2% | +107.2% | +19.4% | +9.2% | +4.2% | -1.4% |
|
HRTG
Heritage Insurance Holdings, Inc.
Peer
|
+230.6% | +825.7% | +58.3% | +27.1% | +15.8% | +9.5% |
ASI
Ategrity Specialty Insurance Company Holdings
Primary
5Y
-21.6%
3Y
-21.6%
1Y
-21.6%
6M
-5.8%
1M
+13.2%
1W
-2.0%
BFS
Business First Bancshares, Inc.
Peer
5Y
+34.8%
3Y
+98.0%
1Y
+22.3%
6M
+14.3%
1M
+5.5%
1W
-2.5%
MBW
Mercantile Bank Corporation
Peer
5Y
+101.4%
3Y
+106.2%
1Y
+36.6%
6M
+21.2%
1M
+9.5%
1W
-0.1%
EQB
Equity Bancshares, Inc.
Peer
5Y
+61.2%
3Y
+107.2%
1Y
+19.4%
6M
+9.2%
1M
+4.2%
1W
-1.4%
HRT
Heritage Insurance Holdings, Inc.
Peer
5Y
+230.6%
3Y
+825.7%
1Y
+58.3%
6M
+27.1%
1M
+15.8%
1W
+9.5%
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
12.25
Forward P/E
7.47
PEG Ratio
N/A
P/B Ratio
1.51
P/S Ratio
2.19
EV/Revenue
1.61
EV/EBITDA
6.96
Market Cap
$930.57M
Profitability
Profit margins and return metrics
Profit Margin
17.44%
Operating Margin
26.94%
Gross Margin
23.3%
ROE
15.02%
ROA
4.7%
Growth
Revenue and earnings growth rates
Revenue Growth
+17.9%
Earnings Growth
-9.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+17.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.0
Low debt
Current Ratio
1.58
Good
Quick Ratio
1.12
Good
Cash/Share
$5.2
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
20.6%
Total Assets
$1.5B
Liabilities
$0.9B
Equity
$0.6B
Debt/Equity
1.40x
Operating CF
$0.1B
Free Cash Flow
$0.1B
FCF Yield
109%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-02-19
$0.51
+46.5% surprise
2025-10-22
$0.46
+36.2% surprise
2025-08-11
$0.41
+33.2% surprise
Financial Services Sector Comparison
Comparing ASIC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.25
This Stock
vs
36.01
Sector Avg
-66.0%
(Discount)
Return on Equity (ROE)
15.02%
This Stock
vs
-0.73%
Sector Avg
-2149.9%
(Below Avg)
Profit Margin
17.44%
This Stock
vs
91.62%
Sector Avg
-81.0%
(Weaker)
Debt to Equity
0.0
This Stock
vs
1.36
Sector Avg
-99.7%
(Less Debt)
Revenue Growth
17.9%
This Stock
vs
35.27%
Sector Avg
-49.2%
(Slower)
Current Ratio
1.58
This Stock
vs
3.18
Sector Avg
-50.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ASIC
Ategrity Specialty...
|
NEUTRAL | $930.57M | 12.25 | 15.0% | 17.4% | $19.36 | |
|
BFST
Business First Bancshares, Inc.
|
BULLISH | $923.88M | 10.13 | 10.4% | 28.1% | $28.26 | Compare |
|
MBWM
Mercantile Bank Corporation
|
NEUTRAL | $919.96M | 9.83 | 13.6% | 37.2% | $53.26 | Compare |
|
EQBK
Equity Bancshares, Inc.
|
NEUTRAL | $941.58M | 38.42 | 3.4% | 11.2% | $45.34 | Compare |
|
HRTG
Heritage Insurance Holdings, Inc.
|
NEUTRAL | $918.56M | 4.73 | 49.1% | 23.1% | $29.9 | Compare |
ASIC
Ategrity...
NEUTRAL
Mkt Cap
$931M
P/E
12.3
ROE
15.0%
Price
$19.36
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-10-27 | COHEN JUSTIN G | Chief Executive Officer | Purchase | 5,200 | $100,938 |
| 2025-09-30 | ZIMMER STUART J. | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 11,130 | $216,089 |
| 2025-09-26 | ZIMMER STUART J. | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | 9,920 | $192,902 |
COHEN JUSTIN G
Chief Executive Officer
2025-10-27
5,200 shares
·
$100,938
ZIMMER STUART J.
Director and Beneficial Owner of more than 10% of a Class of Security
2025-09-30
11,130 shares
·
$216,089
ZIMMER STUART J.
Director and Beneficial Owner of more than 10% of a Class of Security
2025-09-26
9,920 shares
·
$192,902
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
Citigroup
2026-02-26
Buy
Neutral
JP Morgan
2026-02-24
Overweight
Overweight
Wells Fargo
2026-02-20
Overweight
Overweight
Barclays
2026-02-20
Overweight
Overweight
Wells Fargo
2026-01-13
Overweight
Overweight
Barclays
2026-01-08
Overweight
Overweight
JP Morgan
2026-01-07
Overweight
Overweight
JP Morgan
2025-10-23
Overweight
Overweight
Wells Fargo
2025-10-23
Overweight
Overweight
JP Morgan
2025-10-09
Overweight
Overweight
Past News Coverage
Recent headlines mentioning ASIC from our newsroom.
Newest → oldest
No matching news yet.