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Upturn AI Summary - About
AMERISAFE Inc(AMSF)
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 AMSF
09/25/2026: AMSF (1-star) is currently NOT-A-BUY. Pass it for now.
AMERISAFE is a specialized property and casualty insurer focused on providing workers' compensation coverage for small to mid-sized businesses in high-hazard industries. The company is known for its disciplined underwriting approach and proactive loss-control services, which help maintain strong margins in challenging sectors. Its growth story is tied to industrial payroll stability and the ability to leverage data for precise pricing. Primary risks include intense competition from large national insurers and sensitivity to economic cycles that impact industrial activity. The stock may best suit value and dividend-focused investors, with key developments to monitor including interest rate environments and overall US industrial construction trends.
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 | Mixed fit | AMERISAFE is a mature, stable business rather than a high-growth disruptor. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term underwriting cycles rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at reasonable valuations relative to its long-term earnings potential and dividend history. |
| Dividend investor | Strong fit | Consistent dividend payouts and periodic special dividends make it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | The company employs a conservative investment strategy and disciplined underwriting, contributing to lower comparative risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to broader insurance sector sentiment and interest rate cycles. |
| Valuation risk | Low | Disciplined financial management often keeps valuation within reasonable long-term ranges. |
| Competition risk (Insurance pricing) | Medium / high | Aggressive pricing from larger national competitors can compress profit margins. |
| Business quality | Strong | The company has established a durable niche and a reputation for technical underwriting excellence. |
| Dividend income | Strong | Management has shown a commitment to returning capital to shareholders through stable and occasionally special dividends. |
| Execution risk | Medium | Maintaining underwriting discipline while seeking growth is critical for long-term profitability. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -8.19% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 439.73M USD | Price to earnings Ratio 9.48 | 1Y Target Price 35.67 |
Price to earnings Ratio 9.48 | 1Y Target Price 35.67 | ||
Volume (30-day avg) 521.9K shares | Beta 0.26 | 52 Weeks Range 23.50 - 41.29 | Updated Date 09/27/2026 |
52 Weeks Range 23.50 - 41.29 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 6.71% | Basic EPS (TTM) 2.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Workers' Compensation Insurance | Premiums earned from policies covering medical costs and lost wages for employees injured on the job in high-hazard industries. | The company makes money by accurately pricing insurance for risky jobs and keeping claim costs low through safety programs. |
| Investment Income | Interest and dividend income earned from the investment of insurance float (premiums held before claims are paid). | AMERISAFE safely invests the premiums it collects to earn extra profit while waiting to pay out potential claims. |
Valuation
Trailing PE 9.48 | Forward PE 22.37 | Enterprise Value 386.25M | Price to Sales(TTM) 1.3 |
Enterprise Value 386.25M | Price to Sales(TTM) 1.3 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA - | Shares Outstanding 18.70M | Shares Floating 18.14M |
Shares Outstanding 18.70M | Shares Floating 18.14M | ||
Percent Insiders 2.06 | Percent Institutions 97.02 |
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 AMERISAFE Inc
Exchange NASDAQ | Headquarters Deridder, LA, United States | ||
IPO Launch date 2005-11-18 | President, CEO, Principal Accounting & Financial Officer and Director Ms. Gerry Janelle Frost | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 362 | Website https://www.amerisafe.com |
Full time employees 362 | Website https://www.amerisafe.com | ||
AMERISAFE, Inc., an insurance holding company, underwrites workers' compensation insurance in the United States. The company provides benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. It sells its products through retail and wholesale brokers and agents; and small and mid-sized employers engaged in hazardous industries, including construction, trucking, logging and lumber, agriculture, manufacturing, telecommunications, and maritime. The company was incorporated in 1985 and is based in Deridder, Louisiana.
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