AAME · NASDAQ · Insurance - Life

Atlantic American (AAME)

Operates specialty property-and-casualty insurance through American Southern and life-and-health insurance through Bankers Fidelity. Its operating structure centers on these two insurance platforms.

$1.32
vs last close−0.04 (−2.94%)
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Atlantic American CorporationAAME
Financial sector

Operates two specialty insurance platforms: American Southern for property-and-casualty coverage and Bankers Fidelity for life-and-health insurance. American Southern combines American Southern Insurance Company and American Safety Insurance Company; Bankers Fidelity includes Bankers Fidelity Life Insurance Company, Bankers Fidelity Assurance Company, and Atlantic Capital Life Assurance Company. Formed in 1968 as a publicly traded Georgia holding company, the parent has built its operating frame through subsidiary acquisitions and consolidation. Bankers Fidelity joined the group in 1975, and American Southern joined in 1995. The business is organized around these two insurance platforms.

Operates two specialty insurance platforms: American Southern for property-and-casualty coverage and Bankers Fidelity for life-and-health insurance. American Southern combines American Southern Insurance Company and American Safety Insurance Company; Bankers Fidelity includes Bankers Fidelity Life Insurance Company, Bankers Fidelity Assurance Company, and Atlantic Capital Life Assurance Company.

Formed in 1968 as a publicly traded Georgia holding company, the parent has built its operating frame through subsidiary acquisitions and consolidation. Bankers Fidelity joined the group in 1975, and American Southern joined in 1995. The business is organized around these two insurance platforms.

Company facts

CEOHilton H. Howell, Jr.
ListedMar 17, 1980
ExchangeNASDAQ
HeadquartersAtlanta, GA
CountryUnited States
Employees156
CIK0000008177
ISINUS0482091008

Market cap$27.7M
EPS (ttm)
P/E (ttm)
ROE
P/B
P/S
Dividend yieldDiv yield1.47%
Beta0.80vs XLF −0.20

No analyst consensus on record.

EPSReportedEstimate

Apr '24May '24Aug '24Nov '24Mar '25May '25Aug '25Nov '25
Reported−$0.21−$0.12−$0.06−$0.04−$0.04$0.01$0.07$0.02
Estimate
Surprise

RevenueReportedEstimate

Apr '24May '24Aug '24Nov '24Mar '25May '25Aug '25Nov '25
Reported$46.7M$47.0M$47.7M$44.5M$49.0M$50.1M$55.3M$53.8M
Estimate
Surprise
Estimate
Reported$0.02
Estimate
Reported$53.8M
View details

Debt to equity34.50%
Current ratio22.90%

ProfitabilityRevenueNet incomeNet margin

Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25
Revenue$46.7M$47.0M$47.7M$44.5M$49.0M$50.1M$55.3M$53.8M
Net income−$2.2M−$2.0M−$684.0K−$2.0M$412.0K$802.0K$3.3M$577.0K
Net margin0.0%0.0%0.0%0.0%0.8%1.6%6.0%1.1%

GrowthOperating income

Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25
Operating income−$3.1M−$1.7M−$849.0K−$2.5M$545.0K$1.0M$4.2M$769.0K
YoY growthTurned lossLoss narrowedTurned lossTurned lossTurned profitTurned profitTurned profitTurned profit

Balance sheet, Sep 30, 2025Cash & short-term investments $34.4M · Total debt $37.8M · Total assets $430.9M · Shareholders' equity $109.5M

Revenue
$53.8M
Operating income
$769.0K
Net income
$577.0K
View details

Dividend yield
1.47%
Next ex-date
Apr 9, 27
estimated · in 198 days
Annual dividend
$0.02
per share
Schedule
Annual
one payment a year

HistoryDividendAnnual yield

Apr '22Aug '23Apr '24Apr '25
Dividend$0.02$0.02$0.02$0.02
Annual yield0.56%1.05%1.79%1.48%
Ex-dateApr 12Aug 21Apr 11Apr 9
Payment dateApr 27Sep 12Apr 26Apr 23
View details

Institutions5.06%1.03M shares
20 holders · as of Jun 30, 2026
Other94.94%19.36M shares
remainder

20.40M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
Dimensional Fund Advisors LPInstitution
1.62%331,411as of Jun 30, 2026
Bridgeway Capital Management, LLCInstitution
0.79%160,716as of Jun 30, 2026
BlackRock, Inc.Institution
0.53%107,440as of Jun 30, 2026
Biglari, SardarInstitution
0.52%105,861as of Jun 30, 2026
Vanguard Capital Management LLCInstitution
0.30%60,825as of Jun 30, 2026

Insider tradesForm 4

Nothing filed in the last 12 months.

View details

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