Symbols / AAME Stock $1.74 -4.40% Atlantic American Corporation

Financial Services • Insurance - Life • United States • NGM
AAME (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Life
CEO Mr. Hilton Hatchett Howell Jr.
Exch · Country NGM · United States
Market Cap 35.49M
Enterprise Value 43.77M
Income 4.71M
Sales 208.22M
FCF (ttm) 22.10M
Book/sh 5.37
Cash/sh 1.69
Employees 153
Insider 10d —
IPO Mar 17, 1980
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 8.70%
P/E 7.57
Forward P/E —
PEG 2.43
P/S 0.17
P/B 0.32
P/C —
EV/EBITDA 4.35
EV/Sales 0.21
Quick Ratio 1.16
Current Ratio 1.50
Debt/Eq 38.97
LT Debt/Eq —
EPS (ttm) 0.23
EPS next Y —
EPS Growth —
Revenue Growth 20.80%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2025-08-13
Earnings (prior) 2025-08-13
ROA 1.49%
ROE 4.75%
ROIC —
Gross Margin 12.51%
Oper. Margin 2.88%
Profit Margin 2.45%
Shs Outstand 20.40M
Shs Float 4.01M
Insider Own 80.12%
Instit Own 5.14%
Short Float 0.17%
Short Ratio 1.04
Short Interest 7.01K
52W High 3.71
vs 52W High -53.10%
52W Low 1.59
vs 52W Low 9.43%
Beta 0.74
Impl. Vol. —
Rel Volume 1.56
Avg Volume 13.19K
Volume 20.56K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $1.82
Price $1.74
Change -4.40%
About

Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. It operates through American Southern and Bankers Fidelity segments. The company offers property and casualty insurance products, including commercial automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; general liability insurance; and inland marine insurance products. It also provides surety bond coverage for subdivision construction; school bus contracts; and performance and payment bonds. In addition, the company offers individual and group whole life insurance products; Medicare supplement insurance products; other accident and health insurance products comprising various individual and group policies for the payment of standard benefits for the treatment of cancer and other critical illnesses; Vantage Flex Plus, a hospital indemnity plan; and Vantage Recovery short-term care product and a group whole life product. It markets its products through independent agents and brokers. The company was founded in 1937 and is based in Atlanta, Georgia. Atlantic American Corporation operates as a subsidiary of Atlantic American / Delta Group.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$1.74
Latest analyst target
3. DCF / Fair value
$19.50
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.74
Low
—
High
—
Mean
—
News
RSS: Latest AAME news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
188.23
+0.77%
186.79
-0.56%
187.85
-5.86%
199.55
Operating Revenue
188.23
+0.77%
186.79
-0.56%
187.85
-5.86%
199.55
Other Operating Expenses
16.21
+4.82%
15.46
+13.43%
13.63
-0.30%
13.68
Total Expenses
193.49
+3.27%
187.36
+0.86%
185.75
-4.37%
194.25
Reconciled Depreciation
0.37
-43.87%
0.65
-26.74%
0.89
-11.27%
1.00
EBIT
-1.84
-168.23%
2.70
-33.20%
4.05
-39.48%
6.69
Net Income
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Pretax Income
-5.26
-831.68%
-0.56
-126.96%
2.10
-60.47%
5.30
Net Non Operating Interest Income Expense
-3.42
-4.59%
-3.27
-67.47%
-1.95
-40.74%
-1.39
Interest Expense Non Operating
3.42
+4.59%
3.27
+67.47%
1.95
+40.74%
1.39
Net Interest Income
-3.42
-4.59%
-3.27
-67.47%
-1.95
-40.74%
-1.39
Interest Expense
3.42
+4.59%
3.27
+67.47%
1.95
+40.74%
1.39
Other Income Expense
0.01
-35.29%
0.02
+54.55%
0.01
-15.38%
0.01
Tax Provision
-1.00
-152.79%
-0.39
-169.00%
0.57
-44.07%
1.02
Tax Rate For Calcs
0.00
-10.00%
0.00
-22.79%
0.00
+40.93%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Net Income From Continuing Operation Net Minority Interest
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Net Income From Continuing And Discontinued Operation
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Net Income Continuous Operations
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Normalized Income
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Net Income Common Stockholders
-4.67
-718.77%
-0.57
-150.62%
1.13
-70.99%
3.88
Diluted EPS
-0.23
-666.67%
-0.03
-150.00%
0.06
-68.42%
0.19
Basic EPS
-0.23
-666.67%
-0.03
-150.00%
0.06
-68.42%
0.19
Basic Average Shares
18.56
-9.05%
20.40
+0.07%
20.39
-9.50%
22.53
Diluted Average Shares
18.56
-9.05%
20.40
+0.07%
20.39
-9.50%
22.53
Diluted NI Availto Com Stockholders
-4.67
-718.77%
-0.57
-150.62%
1.13
-70.99%
3.88
Loss Adjustment Expense
125.83
+2.72%
122.50
-0.77%
123.46
-6.26%
131.69
Net Policyholder Benefits And Claims
125.83
+2.72%
122.50
-0.77%
123.46
-6.26%
131.69
Policyholder Benefits Ceded
41.54
+0.36%
41.39
-18.18%
50.59
-14.10%
58.90
Policyholder Benefits Gross
167.37
+2.12%
163.89
-5.83%
174.05
-8.68%
190.59
Preferred Stock Dividends
0.40
+0.00%
0.40
+0.00%
0.40
+0.00%
0.40
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Assets
393.43
+3.19%
381.26
+3.87%
367.06
-8.76%
402.29
Cash Cash Equivalents And Short Term Investments
72.44
+10.35%
65.64
-72.37%
237.59
-16.85%
285.74
Cash And Cash Equivalents
35.57
+25.68%
28.30
-1.95%
28.86
+16.60%
24.75
Other Short Term Investments
36.87
-1.26%
37.34
-82.11%
208.73
-20.02%
260.99
Receivables
50.40
+12.52%
44.79
+8.46%
41.30
-2.54%
42.38
Accounts Receivable
50.40
+12.52%
44.79
+8.46%
41.30
-2.54%
42.38
Goodwill And Other Intangible Assets
2.54
+0.00%
2.54
+0.00%
2.54
+0.00%
2.54
Investments And Advances
221.75
-3.11%
228.87
+3.31%
221.53
-21.26%
281.35
Long Term Equity Investment
1.24
+0.00%
1.24
+0.00%
1.24
+0.00%
1.24
Total Liabilities Net Minority Interest
293.81
+7.24%
273.99
+3.44%
264.87
+1.48%
261.00
Payables And Accrued Expenses
30.95
+24.73%
24.81
-6.28%
26.47
+3.96%
25.46
Current Debt And Capital Lease Obligation
4.02
+33.26%
3.02
+50.27%
2.01
0.00
Current Debt
4.02
+33.26%
3.02
+50.27%
2.01
0.00
Long Term Debt And Capital Lease Obligation
33.74
+0.00%
33.74
+0.00%
33.74
+0.00%
33.74
Long Term Debt
33.74
+0.00%
33.74
+0.00%
33.74
+0.00%
33.74
Stockholders Equity
99.61
-7.14%
107.28
+4.97%
102.19
-27.67%
141.29
Common Stock Equity
99.56
-7.15%
107.22
+4.98%
102.14
-27.68%
141.23
Capital Stock
22.46
+0.00%
22.46
+0.00%
22.46
+0.00%
22.46
Common Stock
22.40
+0.00%
22.40
+0.00%
22.40
+0.00%
22.40
Preferred Stock
0.06
+0.00%
0.06
+0.00%
0.06
+0.00%
0.06
Share Issued
22.40
+0.00%
22.40
+0.00%
22.40
+0.00%
22.40
Ordinary Shares Number
20.40
-0.01%
20.40
-0.02%
20.41
+0.14%
20.38
Treasury Shares Number
2.00
+0.13%
2.00
+0.25%
1.99
-1.42%
2.02
Additional Paid In Capital
57.42
+0.00%
57.42
+0.00%
57.42
-0.03%
57.44
Retained Earnings
45.85
-9.96%
50.93
-2.03%
51.98
+1.40%
51.26
Gains Losses Not Affecting Retained Earnings
-18.71
-16.07%
-16.12
+27.22%
-22.15
-225.22%
17.69
Treasury Stock
7.41
+0.09%
7.40
+0.16%
7.39
-1.35%
7.49
Other Equity Adjustments
-18.71
-16.07%
-16.12
+27.22%
-22.15
-225.22%
17.69
Total Equity Gross Minority Interest
99.61
-7.14%
107.28
+4.97%
102.19
-27.67%
141.29
Total Capitalization
133.35
-5.43%
141.01
+3.74%
135.93
-22.34%
175.02
Invested Capital
137.32
-4.62%
143.98
+4.42%
137.88
-21.19%
174.97
Total Debt
37.76
+2.73%
36.76
+2.83%
35.75
+5.95%
33.74
Net Debt
2.19
-74.09%
8.46
+22.84%
6.88
-23.38%
8.98
Net Tangible Assets
97.07
-7.32%
104.73
+5.10%
99.65
-28.18%
138.74
Tangible Book Value
97.01
-7.32%
104.68
+5.10%
99.59
-28.19%
138.69
Investments In Other Ventures Under Equity Method
1.24
+0.00%
1.24
+0.00%
1.24
+0.00%
1.24
Line Of Credit
4.02
+33.26%
3.02
+50.27%
2.01
0.00
Other Equity Interest
-0.00
+84.62%
-0.01
+90.15%
-0.13
-80.82%
-0.07
Preferred Shares Number
0.06
+0.00%
0.06
+0.00%
0.06
+0.00%
0.06
Preferred Stock Equity
0.06
+0.00%
0.06
+0.00%
0.06
+0.00%
0.06
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
4.80
+83.07%
2.62
-59.37%
6.45
+493.11%
1.09
Cash Flow From Continuing Operating Activities
4.80
+83.07%
2.62
-59.37%
6.45
+493.11%
1.09
Net Income From Continuing Operations
-4.27
-2395.91%
-0.17
-111.21%
1.52
-64.38%
4.28
Depreciation And Amortization
0.37
-43.87%
0.65
-26.74%
0.89
-11.27%
1.00
Other Non Cash Items
-20.52
-11.80%
-18.35
+23.37%
-23.95
+2.52%
-24.57
Stock Based Compensation
0.01
-90.76%
0.12
-11.19%
0.13
-36.49%
0.21
Deferred Tax
-1.75
+44.02%
-3.12
-71.58%
-1.82
-63.58%
-1.11
Deferred Income Tax
-1.75
+44.02%
-3.12
-71.58%
-1.82
-63.58%
-1.11
Operating Gains Losses
-0.44
-253.10%
0.29
+207.01%
-0.27
+94.13%
-4.61
Gain Loss On Investment Securities
-1.21
-1628.57%
-0.07
-133.33%
-0.03
+99.39%
-4.90
Unrealized Gain Loss On Investment Securities
1.52
-30.36%
2.18
-71.21%
7.56
+499.26%
-1.89
Change In Working Capital
13.24
+188.52%
4.59
+56.19%
2.94
-21.00%
3.72
Change In Receivables
-5.58
-58.55%
-3.52
-427.14%
1.08
-30.36%
1.54
Change In Payables And Accrued Expense
6.14
+469.25%
-1.66
-264.88%
1.01
+206.44%
-0.95
Investing Cash Flow
2.28
+167.85%
-3.37
+1.84%
-3.43
-164.68%
5.30
Cash Flow From Continuing Investing Activities
2.28
+167.85%
-3.37
+1.84%
-3.43
-164.68%
5.30
Net PPE Purchase And Sale
-0.23
-181.25%
-0.08
+36.51%
-0.13
-17.76%
-0.11
Purchase Of PPE
-0.23
-181.25%
-0.08
+36.51%
-0.13
-17.76%
-0.11
Capital Expenditure
-0.23
-181.25%
-0.08
+36.51%
-0.13
-17.76%
-0.11
Net Investment Purchase And Sale
2.51
+176.35%
-3.29
+0.51%
-3.30
-161.07%
5.41
Purchase Of Investment
-13.85
+23.37%
-18.07
-6.25%
-17.01
+51.80%
-35.29
Sale Of Investment
16.36
+10.62%
14.79
+7.88%
13.71
-66.32%
40.70
Financing Cash Flow
0.19
+2.76%
0.18
-83.32%
1.08
+213.73%
-0.95
Cash Flow From Continuing Financing Activities
0.19
+2.76%
0.18
-83.32%
1.08
+213.73%
-0.95
Net Issuance Payments Of Debt
1.00
+0.00%
1.00
-50.00%
2.00
0.00
Issuance Of Debt
1.00
+0.00%
1.00
-50.00%
2.00
0.00
Long Term Debt Issuance
1.00
+0.00%
1.00
-50.00%
2.00
0.00
Net Long Term Debt Issuance
1.00
+0.00%
1.00
-50.00%
2.00
—
Short Term Debt Issuance
—
1.00
-50.00%
2.00
0.00
Net Short Term Debt Issuance
—
1.00
-50.00%
2.00
0.00
Common Stock Dividend Paid
-0.41
+0.00%
-0.41
+0.00%
-0.41
+0.00%
-0.41
Cash Dividends Paid
-0.81
+0.00%
-0.81
+0.00%
-0.81
+0.00%
-0.81
Proceeds From Stock Option Exercised
-0.01
+41.67%
-0.01
+88.89%
-0.11
+26.53%
-0.15
Changes In Cash
7.27
+1393.42%
-0.56
-113.67%
4.11
-24.37%
5.43
Beginning Cash Position
28.30
-1.95%
28.86
+16.60%
24.75
+28.13%
19.32
End Cash Position
35.57
+25.68%
28.30
-1.95%
28.86
+16.60%
24.75
Free Cash Flow
4.58
+79.98%
2.54
-59.82%
6.33
+544.95%
0.98
Interest Paid Supplemental Data
3.44
+6.76%
3.23
+79.88%
1.79
+29.16%
1.39
Income Tax Paid Supplemental Data
0.58
-77.54%
2.58
-6.58%
2.76
-13.68%
3.20
Amortization Of Securities
16.64
+1.25%
16.44
-15.45%
19.45
-19.19%
24.06
Dividend Received CFO
—
—
—
0.29
Earnings Losses From Equity Investments
0.77
+112.78%
0.36
+249.38%
-0.24
-183.10%
0.29
Preferred Stock Dividend Paid
-0.40
+0.00%
-0.40
+0.00%
-0.40
+0.00%
-0.40
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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