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Upturn AI Summary - About
Atlantic American Corporation(AAME)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for AAME
09/24/2026: AAME (1-star) is currently NOT-A-BUY. Pass it for now.
Atlantic American Corporation is a niche insurance holding company that provides life, health, and property and casualty products through its specialized subsidiaries. The firm has a long operating history and maintains a disciplined, focused underwriting approach that avoids direct competition with major national insurance giants. Its primary investment story rests on maintaining underwriting profitability and leveraging its investment portfolio in varying interest rate environments. However, investors must consider risks including limited market liquidity, geographic concentration, and intense competition from larger, well-capitalized insurers. The stock may suit value-oriented investors who monitor long-term underwriting results, though it carries risks typical of smaller-cap financial entities.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company lacks the high-growth profile typically sought by growth investors. |
| Momentum investor | Weak fit | The stock often lacks the sustained upward price momentum required for this style. |
| Value investor | Mixed fit | Value investors may look at the stock based on its niche valuation, though liquidity can be a concern. |
| Dividend investor | Mixed fit | Dividend consistency is not guaranteed, making it a less reliable choice for pure income seekers. |
| Low-risk investor | Weak fit | The small-cap nature and insurance sector volatility pose higher risks than low-risk investors typically prefer. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Small-cap stocks often experience significant price swings due to low trading volume. |
| Valuation risk | Medium | Earnings volatility makes accurate valuation difficult for investors. |
| Competition risk (Insurance) | High | Larger insurers have significant economies of scale that challenge smaller players. |
| Business quality | Medium | The business relies heavily on underwriting performance, which is subject to external events. |
| Dividend income | Medium | Dividend payments are not consistent and may be impacted by capital requirements. |
| Execution risk | Medium | Management must effectively balance claims management with premium growth. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -4.86% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 28.35M USD | Price to earnings Ratio 6.04 | 1Y Target Price - |
Price to earnings Ratio 6.04 | 1Y Target Price - | ||
Volume (30-day avg) 119.2K shares | Beta 0.78 | 52 Weeks Range 1.25 - 3.24 | Updated Date 09/24/2026 |
52 Weeks Range 1.25 - 3.24 | Updated Date 09/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.23 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Underwriting | Premiums collected from life, health, and P&C policies. | The company collects money from policyholders and hopes the claims paid out are lower than the premiums kept. |
| Investment Portfolio | Returns generated on the investment of insurance float (collected premiums). | Like all insurers, a major part of the company's earnings comes from investing the money they hold before paying claims. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-09-29 | When - | Estimate - | Actual 0.07 |
Profitability
Profit Margin 2.45% | Operating Margin (TTM) 2.88% |
Management Effectiveness
Return on Assets (TTM) 1.49% | Return on Equity (TTM) 4.75% |
Valuation
Trailing PE 6.04 | Forward PE 7.39 | Enterprise Value 31.11M | Price to Sales(TTM) 0.14 |
Enterprise Value 31.11M | Price to Sales(TTM) 0.14 | ||
Enterprise Value to Revenue 0.15 | Enterprise Value to EBITDA - | Shares Outstanding 20.40M | Shares Floating 4.03M |
Shares Outstanding 20.40M | Shares Floating 4.03M | ||
Percent Insiders 80.12 | Percent Institutions 5.25 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Atlantic American Corporation
Exchange NASDAQ | Headquarters Atlanta, GA, United States | ||
IPO Launch date 1980-04-11 | Chairman of the Board, President & CEO Mr. Hilton Hatchett Howell Jr. | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 153 | Website https://www.atlam.com |
Full time employees 153 | Website https://www.atlam.com | ||
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.
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