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Atlantic American
(NASDAQ:AAME)
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Rating:61Neutral
Price Target:
$1.50
▲(16.28% Upside)
Action:Reiterated
Date:10/22/26
The score reflects strong 2025 financial improvement (profitability, cash flow, and a debt-free balance sheet) and an inexpensive valuation, partially offset by elevated Nasdaq delisting/compliance risk and only mixed technicals (short-term strength but longer-term downtrend).
Positive Factors
Debt-free balance sheet
The reported absence of debt and higher equity give Atlantic American greater financial flexibility than in 2024, when leverage was moderate and returns were negative. A stronger capital base can support insurance operations, absorb volatility, and reduce financing pressure.
Negative Factors
Nasdaq delisting and filing risk
Missed SEC filings and active Nasdaq delisting proceedings create a durable compliance and public-market access risk until reporting is restored. A delisting could reduce trading liquidity and visibility, while the uncertain appeal outcome keeps the regulatory overhang material.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
The reported absence of debt and higher equity give Atlantic American greater financial flexibility than in 2024, when leverage was moderate and returns were negative. A stronger capital base can support insurance operations, absorb volatility, and reduce financing pressure.
Read all positive factors
Atlantic American (AAME) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$25.29M
Dividend Yield1.61%
Average Volume (3M)1.69M
Price to Earnings (P/E)5.0
Beta (1Y)0.86
Revenue Growth11.80%
EPS GrowthN/A
CountryUS
Employees163
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.28
Shares Outstanding20,397,228
10 Day Avg. Volume5,043,066
30 Day Avg. Volume1,693,357
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.48
Price to Sales (P/S)0.27
P/FCF Ratio1.78
Enterprise Value/Market Cap4.00
Enterprise Value/Revenue0.48
Enterprise Value/Gross Profit1.88
Enterprise Value/Ebitda9.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Atlantic American Business Overview & Revenue Model
Company Description
Atlantic American Corporation (AAME) is an insurance holding company that, through its subsidiaries, delivers a diverse range of life, health, and property & casualty insurance offerings throughout the United States. Its operations are segmented i...
Atlantic American Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
74
Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 210.44M | 188.23M | 186.79M | 187.85M | 199.55M |
| Gross Profit | 77.77M | 14.37M | 18.17M | 17.68M | 20.36M |
| EBITDA | 30.10M | -1.48M | 3.36M | 4.94M | 7.69M |
| Net Income | 6.02M | -4.27M | -171.00K | 1.52M | 4.28M |
Balance Sheet | |||||
| Total Assets | 433.94M | 393.43M | 381.26M | 367.06M | 402.29M |
| Cash, Cash Equivalents and Short-Term Investments | 43.64M | 35.57M | 65.64M | 237.59M | 285.74M |
| Total Debt | 0.00 | 37.76M | 36.76M | 35.75M | 33.74M |
| Total Liabilities | 313.15M | 293.81M | 273.99M | 264.87M | 261.00M |
| Stockholders Equity | 120.79M | 99.61M | 107.28M | 102.19M | 141.29M |
Cash Flow | |||||
| Free Cash Flow | 32.41M | 4.58M | 2.54M | 6.33M | 981.00K |
| Operating Cash Flow | 32.87M | 4.80M | 2.62M | 6.45M | 1.09M |
| Investing Cash Flow | -25.00M | 2.28M | -3.37M | -3.43M | 5.30M |
| Financing Cash Flow | 189.00K | 186.00K | 181.00K | 1.08M | -954.00K |
Atlantic American Technical Analysis
Negative
1.29
Price Trends
1.32
Negative
1.49
Negative
2.03
Negative
Market Momentum
0.02
Negative
47.04
Neutral
63.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AAME, the sentiment is Negative. The current price of 1.29 is above the 20-day moving average (MA) of 1.27, below the 50-day MA of 1.32, and below the 200-day MA of 2.03, indicating a bearish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 47.04 is Neutral, neither overbought nor oversold. The STOCH value of 63.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AAME.
Atlantic American Peers Comparison
UnderperformOutperform
Sector (68)
AAME
Atlantic American
1.24
-1.78
-58.94%
CIA
Citizens
3.60
-1.88
-34.31%
Atlantic American Corporate Events
Delistings and Listing ChangesRegulatory Filings and Compliance
Atlantic American Faces Nasdaq Delisting, Plans Appeal
Negative
Oct 22, 2026
Atlantic American Corporation disclosed that on October 16, 2026, Nasdaq staff issued a determination to begin delisting its common stock because the company failed to timely file its 2025 annual report and its quarterly reports for March 31 and J...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Atlantic American Extends Credit Agreement, Tightens Rating Terms
Neutral
Oct 16, 2026
On October 9, 2026, Atlantic American Corporation executed a fourth amendment to its revolving credit agreement with Truist Bank, pushing back deadlines for delivering its audited 2025 financial statements and 2026 interim quarterly results, along...
Delistings and Listing ChangesRegulatory Filings and Compliance
Atlantic American Faces Nasdaq Compliance Deadline on Filings
Negative
Aug 26, 2026
Atlantic American Corporation, an insurance holding company focused on specialty life, health, and property and casualty lines through multiple subsidiaries, maintains its listing on The Nasdaq Global Market despite recent compliance challenges. T...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Atlantic American Amends Revolving Credit Agreement with Truist
Positive
Aug 5, 2026
On July 31, 2026, Atlantic American Corporation amended its existing revolving credit agreement with Truist Bank, entering into a Third Amendment that modifies reporting timelines under the facility. The change extends to no later than October 12,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.