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Atlantic American(NASDAQ) AAME

Market Cap$31.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1984)-65%
5 Year-61%
1 Year-33%
1 Month-8%
$1.64
+5.13%
+0.08Today
Atlantic American last closing stock price
MetricPriceDate
Last closeUSD 1.542026-07-31
Atlantic American stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.91%USD 1.572026-07-24
1 month-8.33%USD 1.682026-07-01
3 month-40.31%USD 2.582026-05-01
Year to date-45.58%USD 2.832025-12-31
1 year-32.6%USD 2.292025-07-31
3 year-9.86%USD 1.712023-08-01
5 year-60.78%USD 3.932021-07-30
Since inception-65.1%USD 4.411984-06-19

Atlantic American Financials at a Glance

Market Cap

$31.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$208.22M

Net Income (TTM)

$5.11M

EPS (TTM)

$0.23

P/E Ratio

6.83

Dividend

$0.00

Beta (Volatility)

0.38 (Low)

Price

$1.64

Volume

3,097

Open

$1.55

Previous Close

$1.54

Daily Range

$1.54 - $1.59

52-Week Range

$1.53 - $3.71

Estimated Earnings Date

May 11, 2026

AAME News

No articles available.

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About Atlantic American

Atlantic American provides insurance that helps people and businesses manage risk. Its products cover health costs, life events, and property damage. The company serves individuals, families, and public sector clients across the United States.

Products and Services

  • Property and Casualty Insurance (approximately 40% of revenue for the six months ended June 30, 2025): Provides auto, general liability, and inland marine insurance for government fleets and businesses.
  • Surety Bonds: Issues bonds for construction projects and service contracts, mainly for public sector clients.
  • Accident and Disability Coverage: Pays benefits for accidents, hospital stays, and short-term nursing care.
  • Distribution via Agents: Sells products through independent agents and brokers.

Growth and Expansion

  • Renewed a five-year cloud-based policy software contract in March 2024 to modernize operations.
  • Expanded Medicare supplement and group health offerings in 2024 and 2025, driving premium growth.
  • Grew inland marine and auto insurance lines through new and renewed agency programs in 2025.
  • Focused on internal control improvements and actuarial validation systems since 2024.

What Makes Atlantic American Stand Out

The company targets specific market niches, such as government fleets and Medicare supplement buyers. It uses a variable commission model to align agent incentives with claims performance. Its subsidiaries operate independently, allowing tailored strategies for each insurance segment.

Five Things You Need to Know

  • Revenue was $55.3 million in Q2 2025, up 16% from $47.7 million in Q2 2024.
  • Net income was approximately $3.3 million in Q2 2025, reversing a loss of $684,000 last year.
  • American Southern segment contributed approximately 40% of Q2 2025 revenue; Bankers Fidelity, approximately 60%.
  • Operating cash flow was $8.6 million for the first half of 2025, up from negative $4.9 million in 2024.
  • Insurance reserves grew to $255.5 million by June 30, 2025, up from $225.1 million at December 31, 2024.

Bottom Line

Atlantic American has evolved by focusing on niche insurance markets and modernizing its operations. The company’s diversified products and steady financial growth reflect its adaptability in a changing insurance landscape.

AI Generated • Apr 16, 2026

Industry

Insurance

Sector

Financials

Employees

156

CEO

Hilton H. Howell, Jr., MBA

Website

www.atlam.com

Headquarters

Atlanta, GA 30319-3054, US

AAME Financials

Key Financial Metrics (TTM)

Gross Margin

21.32%

Operating Margin

3.78%

Net Income Margin

2.95%

Return on Equity

4.43%

Return on Capital

-3.83%

Return on Assets

1.09%

Earnings Yield

14.64%

Dividend Yield

0.00%

Payout Ratio

8.67%

Stock Overview

Market Cap

$31.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

20.40M

Volume

3.10K

Avg. Volume

12.54K

Financials (TTM)

Gross Profit

$39.36M

Operating Income

$6.57M

EBITDA

$10.07M

Operating Cash Flow

$24.81M

Capital Expenditure

-$564.00K

Free Cash Flow

$24.25M

Cash & ST Invst.

$34.44M

Total Debt

$37.76M

Atlantic American Performance Analysis

Atlantic American annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20212021-12-31USD 199,554,000N/A
20222022-12-31USD 187,851,000-5.9%
20232023-12-31USD 186,793,000-0.6%
20242024-12-31USD 188,227,0000.8%
Atlantic American sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-3110.2%
Q12025-03-312.2%
Q22025-06-3010.3%
Q32025-09-30-2.8%
Atlantic American annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20212021-12-31USD 0.19N/A
20222022-12-31USD 0.06-71.0%
20232023-12-31USD -0.03N/A
20242024-12-31USD -0.23720.1%
Atlantic American sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31115.6%
Q12025-03-31125.5%
Q22025-06-30334.8%
Q32025-09-30-82.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2025YOY CHG

Revenue

$53.76M

+20.8%

Gross Profit

$18.64M

+721.4%

Gross Margin

34.67%

N/A

Market Cap

$31.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$205.31K

N/A

Employees

153

N/A

Net Income

$577.00K

+128.9%

EBITDA

$1.65M

+207.8%

Quarterly Fundamentals

Name
Q3 2025YOY CHG

Total Cash

$34.44M

-45.9%

Total Debt

$37.76M

-0.0%

Accounts Receivable

$42.40M

-18.6%

Inventory

$0.00

N/A

Long Term Debt

$42.35M

+25.5%

Short Term Debt

$4.02M

-0.1%

Return on Assets

1.09%

N/A

Return on Invested Capital

2.15%

N/A

Free Cash Flow

$6.61M

+11298.3%

Operating Cash Flow

$6.64M

+7280.0%

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Questions About AAME

What is the current price of Atlantic American?

Atlantic American is trading at $1.54 per share.

What is the 52-week range for Atlantic American?

Over the past 52 weeks, Atlantic American has traded between $1.53 and $3.71.

How much debt does Atlantic American have?

As of the most recent reporting period, Atlantic American reported total debt of $42.66M.

How much cash does Atlantic American have on hand?

Atlantic American reported $34.44M in cash and cash equivalents in its most recent financial results.

What is Atlantic American’s dividend yield?

Atlantic American does not currently have a dividend yield.

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