YOLFTbeta
Atlantic American Corporation

Atlantic American Corporation

AAME · NASDAQ · Financial Services / Insurance - Life

1.26USD+0.07 (+5.88%)

Price History

Full chart

Market Stats

Previous Close1.19
Open1.25
Day Range1.21 – 1.28
52-Week Range1.25 – 3.24
Volume32.00K
Market Cap27.74M
P/E (TTM)5.91
Forward P/E7.39
EPS0.23
Dividend Yield0.00%
Beta0.78
50-Day Avg1.43
200-Day Avg2.17

About

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Hilton Hatchett Howell Jr.
  • Employees153
  • Headquarters4370 Peachtree Road, N.E., Atlanta, GA, United States, 30319, USA
  • Websitehttps://www.atlam.com

Leadership

  • Mr. Hilton Hatchett Howell Jr.Chairman of the Board, President & CEO · b. 1962
  • Mr. Sam KrishnamurthyVP and Chief Information Officer
  • Ms. Barbara B. SnyderVice President of Human Resources
  • Mr. Ricky David BurnsExecutive Vice President
  • Mr. Casey Brant HudsonVice President & Controller

Financials

Income Statement

Currency: USD1985-12-311986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-31
Total Revenue130.40M153.70M154.90M143.70M84.00M72.60M93.20M147.90M163.60M167.20M51.67M99.07M101.22M106.07M124.32M152.26M163.31M170.25M111.30M125.78M121.98M125.36M122.97M99.73M102.71M106.89M118.33M139.83M165.37M166.32M165.94M166.08M181.11M185.55M198.18M195.35M199.55M187.85M186.79M188.23M
Growth (%)-+17.87%+0.78%-7.23%-41.54%-13.57%+28.37%+58.69%+10.62%+2.20%-69.10%+91.74%+2.16%+4.79%+17.21%+22.47%+7.26%+4.25%-34.62%+13.01%-3.02%+2.77%-1.90%-18.90%+2.99%+4.07%+10.71%+18.17%+18.27%+0.58%-0.23%+0.08%+9.05%+2.45%+6.80%-1.43%+2.15%-5.86%-0.56%+0.77%
Cost of Revenue------18.90M---39.94M81.24M84.02M88.00M107.88M134.31M144.21M152.87M111.65M126.71M109.42M101.86M91.36M87.65M89.16M94.95M132.69M154.77M140.93M147.12M144.60M147.99M160.96M171.69M184.70M166.69M179.19M170.17M168.62M173.86M
Gross Profit130.40M153.70M154.90M143.70M84.00M72.60M74.30M147.90M163.60M167.20M11.73M17.83M17.20M18.06M16.45M17.95M19.09M17.38M-345.00K-933.00K12.56M23.49M31.61M12.09M13.55M11.94M-14.35M-14.94M24.44M19.20M21.34M18.08M20.15M13.86M13.48M28.66M20.36M17.68M18.17M14.37M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%79.72%100.00%100.00%100.00%22.71%18.00%16.99%17.03%13.23%11.79%11.69%10.21%-0.31%-0.74%10.30%18.74%25.70%12.12%13.19%11.17%-12.13%-10.69%14.78%11.55%12.86%10.89%11.13%7.47%6.80%14.67%10.20%9.41%9.73%7.63%
Operating Expense114.90M143.20M155.90M161.30M105.60M73.20M23.40M145.40M90.70M71.10M8.65M10.02M-58.12M9.36M12.52M13.20M14.84M14.28M-6.37M-8.62M13.17M13.87M12.51M13.08M12.20M11.31M-17.67M-20.02M13.23M14.30M15.63M14.56M14.80M14.83M13.88M13.16M15.06M15.59M18.73M19.63M
Operating Income15.50M10.50M-1.00M-17.60M-21.60M-600.00K50.90M2.50M72.90M96.10M3.08M7.82M75.31M8.70M3.92M4.76M4.25M3.10M6.02M7.69M-614.00K9.62M19.10M-992.00K1.35M621.00K3.31M5.08M11.21M4.90M5.71M3.52M5.36M-971.00K-407.00K15.50M5.30M2.10M-565.00K-5.26M
Operating Margin11.89%6.83%-0.65%-12.25%-25.71%-0.83%54.61%1.69%44.56%57.48%5.97%7.89%74.41%8.21%3.15%3.12%2.60%1.82%5.41%6.11%-0.50%7.68%15.53%-0.99%1.31%0.58%2.80%3.63%6.78%2.95%3.44%2.12%2.96%-0.52%-0.21%7.94%2.66%1.12%-0.30%-2.80%
EBITDA15.50M10.50M-1.00M-17.60M-21.60M-600.00K52.00M4.20M5.50M9.20M6.09M12.21M13.70M12.22M8.18M10.91M9.17M23.27M10.78M8.75M3.95M15.10M34.48M12.54M4.43M13.39M6.30M8.18M13.70M7.44M8.25M6.29M8.52M2.05M2.72M18.09M7.69M4.94M3.36M-1.48M
EBITDA Margin11.89%6.83%-0.65%-12.25%-25.71%-0.83%55.79%2.84%3.36%5.50%11.78%12.32%13.54%11.52%6.58%7.16%5.61%13.67%9.69%6.96%3.23%12.05%28.04%12.57%4.31%12.52%5.33%5.85%8.29%4.48%4.97%3.79%4.70%1.11%1.37%9.26%3.85%2.63%1.80%-0.79%
Net Income8.40M7.90M-1.30M-22.00M-23.80M-2.90M-20.20M-600.00K3.40M9.40M-6.98M3.16M8.00M8.56M10.91M3.63M3.60M-12.21M6.84M5.02M-3.17M8.94M7.25M-3.88M-1.21M990.00K3.29M4.44M11.02M4.43M4.39M2.64M4.53M-704.00K-386.00K12.17M4.28M1.52M-171.00K-4.27M
Net Income Margin6.44%5.14%-0.84%-15.31%-28.33%-3.99%-21.67%-0.41%2.08%5.62%-13.50%3.19%7.90%8.07%8.78%2.39%2.20%-7.17%6.15%3.99%-2.60%7.13%5.90%-3.89%-1.18%0.93%2.78%3.17%6.67%2.66%2.64%1.59%2.50%-0.38%-0.19%6.23%2.15%0.81%-0.09%-2.27%
R&D--------------------------00000000------
R&D as % of Total Revenue--------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%------
Interest Expense5.30M5.60M6.30M5.70M2.20M2.30M3.70M3.10M3.40M3.80M2.46M3.29M2.90M2.15M2.82M4.41M3.23M2.56M3.12M3.07M3.61M4.61M4.16M3.30M2.76M2.61M2.60M2.63M1.90M1.61M1.43M1.56M1.72M2.04M2.13M1.61M1.39M1.95M3.27M3.42M
Interest Expense % of Total Revenue4.06%3.64%4.07%3.97%2.62%3.17%3.97%2.10%2.08%2.27%4.76%3.32%2.87%2.02%2.27%2.90%1.98%1.50%2.80%2.44%2.96%3.67%3.38%3.31%2.68%2.44%2.20%1.88%1.15%0.97%0.86%0.94%0.95%1.10%1.07%0.82%0.70%1.04%1.75%1.82%

Balance Sheet

Currency: USD1985-12-311986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-31
Total Assets235.90M266.90M272.20M204.70M168.20M162.30M191.30M209.30M206.50M205.40M244.54M252.99M271.86M272.85M351.14M375.78M412.02M423.49M443.55M470.51M460.42M458.63M458.25M266.61M262.09M277.57M302.13M320.18M319.38M317.01M314.60M318.60M343.24M344.27M377.63M405.19M402.29M367.06M381.26M393.43M
Total Liabilities180.60M200.60M213.20M162.20M147.50M145.00M183.20M186.30M178.90M173.60M196.78M193.86M193.68M190.63M272.20M292.54M324.49M344.95M356.66M381.55M379.96M364.44M370.46M191.19M184.62M194.87M205.85M214.44M218.45M212.81M212.11M213.09M230.26M242.90M259.23M260.13M261.00M264.87M273.99M293.81M
Total Equity55.30M66.30M59.00M42.50M20.70M17.30M6.70M21.60M25.80M30.00M46.48M59.14M78.18M82.22M78.95M83.24M87.53M78.54M86.89M88.96M80.45M94.19M87.79M75.41M77.47M82.69M96.28M105.74M100.93M104.19M102.49M105.51M112.98M101.37M118.39M145.06M141.29M102.19M107.28M99.61M
Cash-------44.70M24.80M6.40M15.07M45.50M51.04M32.40M34.30M31.90M68.80M41.60M34.20M41.00M41.80M27.30M36.90M37.32M20.13M28.32M21.29M18.95M33.10M256.66M254.01M257.43M272.06M12.63M12.89M19.32M24.75M28.86M28.30M35.57M
Total Debt30.80M25.20M76.00M24.90M21.60M31.00M50.80M44.60M23.00M46.20M44.92M35.61M28.60M26.00M51.00M46.50M44.00M49.50M56.24M53.24M51.49M53.99M53.99M41.24M41.24M41.24M41.24M41.24M41.24M33.74M33.74M33.74M33.74M33.74M33.74M33.74M33.74M35.75M36.76M37.76M
Net Debt30.80M25.20M76.00M24.90M21.60M31.00M50.80M-100.00K-1.80M39.80M29.85M-9.89M-22.44M-6.40M16.70M14.60M-24.80M7.90M22.04M12.24M9.69M26.69M17.09M3.92M21.11M12.91M19.95M22.29M8.14M-222.92M-220.27M-223.69M-238.32M21.11M20.84M14.42M8.98M6.88M8.46M2.19M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-31
Operating Cash Flow-11.40M-11.80M-3.60M-7.50M-5.93M2.54M8.62M5.47M5.40M16.71M15.85M13.78M13.91M6.03M11.27M496.00K-15.00K-6.15M-768.00K4.90M9.13M6.12M13.02M4.45M2.21M1.32M2.63M4.46M-1.81M8.97M1.09M6.45M2.62M4.80M
Investing Cash Flow8.80M800.00K-19.10M-16.30M-16.82M31.43M4.75M-18.86M-27.97M-16.68M22.91M-45.70M-23.63M4.80M-8.60M-24.42M25.06M19.02M-15.87M3.86M-14.12M-5.64M3.81M-9.61M-1.20M-2.23M10.13M-14.79M3.01M-2.06M5.30M-3.43M-3.37M2.28M
Financing Cash Flow1.10M5.30M2.90M5.40M31.42M-3.54M-7.82M-5.27M24.49M-2.42M-1.83M4.72M2.31M-4.10M-1.85M9.45M-4.00K-27.88M-554.00K-568.00K-2.05M-2.81M-2.68M-11.57M-1.76M-1.45M-1.47M-1.59M-939.00K-481.00K-954.00K1.08M181.00K186.00K
Capital Expenditure300.00K1.40M2.10M2.50M1.11M1.62M733.00K394.00K829.00K619.00K930.00K452.00K425.00K575.00K675.00K299.00K446.00K150.00K99.00K50.00K56.00K169.00K1.34M4.13M322.00K396.00K103.00K281.00K69.00K233.00K107.00K126.00K80.00K225.00K
Free Cash Flow-11.70M-13.20M-5.70M-10.00M-7.04M925.00K7.88M5.08M4.57M16.09M14.92M13.32M13.49M5.45M10.59M197.00K-461.00K-6.30M-867.00K4.85M9.07M5.95M11.68M326.00K1.89M920.00K2.53M4.18M-1.88M8.74M981.00K6.33M2.54M4.58M
Dividends Paid300.00K-300.00K300.00K315.00K315.00K315.00K315.00K--225.00K225.00K143.00K10.00K1.85M--1.68M508.00K508.00K445.00K2.50M906.00K1.30M811.00K807.00K807.00K806.00K802.00K399.00K807.00K807.00K807.00K807.00K
FCF to OCF102.63%111.86%158.33%133.33%118.66%36.40%91.49%92.80%84.64%96.29%94.13%96.72%96.95%90.46%94.01%39.72%3073.33%102.44%112.89%98.98%99.39%97.24%89.72%7.32%85.42%69.91%96.09%93.70%103.82%97.40%90.17%98.05%96.95%95.31%
Dividend Paid to FCF-2.56%--5.26%-3.00%-4.48%34.05%4.00%6.20%--1.51%1.69%1.06%0.18%17.45%---26.59%-58.59%10.47%4.91%42.06%7.76%400.31%42.98%87.72%31.88%19.29%-42.75%4.57%82.26%12.75%31.75%17.64%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Aug 11, 2003Nov 12, 2003Mar 8, 2004May 5, 2004Aug 11, 2004Nov 10, 2004Mar 30, 2005May 3, 2005Aug 11, 2005Nov 9, 2005Mar 28, 2006May 12, 2006Aug 11, 2006Nov 14, 2006May 14, 2007Aug 14, 2007Nov 13, 2007May 15, 2008Aug 14, 2008Nov 13, 2008Mar 30, 2009May 14, 2009Aug 13, 2009Nov 12, 2009Mar 24, 2010May 7, 2010Aug 6, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017May 12, 2017Aug 14, 2017Nov 14, 2017Mar 26, 2018May 15, 2018Aug 14, 2018Nov 13, 2018Mar 31, 2019Apr 1, 2019Aug 13, 2019Nov 12, 2019Mar 24, 2020May 11, 2020Aug 11, 2020Nov 10, 2020Mar 23, 2021May 7, 2021Aug 17, 2021Nov 10, 2021Mar 25, 2022May 11, 2022Aug 12, 2022Nov 8, 2022Mar 28, 2023Jun 30, 2023Aug 8, 2023Nov 13, 2023Mar 22, 2024May 14, 2024Aug 14, 2024Nov 11, 2024Mar 25, 2025May 12, 2025Aug 13, 2025Nov 14, 2025Jun 30, 2026Sep 29, 2026
EPS Estimate--------------------------------------------------------------------------------------------0.00---0.00---0.00-----
EPS Actual0.060.070.130.060.02-0.050.040.020.060.030.010.080.050.030.030.020.040.130.060.060.040.070.01-0.050.040.01-0.210.14-0.030.100.020.000.06-0.100.02-0.03-0.140.01-0.01-0.100.020.01-0.00-0.010.020.000.070.030.070.030.040.030.040.260.120.060.030.040.060.050.030.150.01-0.000.040.010.000.05-0.02-0.020.070.030.10-0.250.140.040.190.01-0.22-0.070.06-0.400.290.080.58-0.030.14-0.050.130.13-0.09-0.040.05-0.08-0.080.08-0.11-0.11-0.04-0.100.010.020.150.020.010.07
Surprise----------------------------------------------------------------------------------------------------------
Timing----------------------------------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursPre-market-Pre-marketAfter-hours---

Key Statistics & Ratios

Market Cap27.74M
Enterprise Value30.91M
Trailing P/E5.91
Forward P/E7.39
PEG Ratio2.43
Price / Sales0.13
Price / Book0.25
EPS0.23
Book Value5.37
Revenue (TTM)208.22M
Gross Profit (TTM)26.05M
EBITDA10.06M
Profit Margin2.45%
Operating Margin2.88%
Return on Equity4.75%
Return on Assets1.49%
Shares Outstanding20.40M
Shares Float4.03M
Beta0.78
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio8.70%

Ownership Breakdown

Institutions
5.25%
Insiders
80.12%
Retail / Other
14.63%

Top Institutional Holders

  • Dimensional Fund Advisors, Inc.
    331.41K1.62%
  • Bridgeway Capital Management, LLC
    169.11K0.83%
  • BlackRock Inc
    107.58K0.53%
  • BIGLARI, SARDAR
    105.86K0.52%
  • Vanguard Capital Management, LLC
    60.83K0.30%
  • Renaissance Technologies Corp
    46.90K0.23%
  • Foster Victor Wealth Advisors, LLC
    44.00K0.22%
  • Geode Capital Management, LLC
    35.41K0.17%
  • Vanguard Fiduciary Trust Co
    27.72K0.14%
  • Northern Trust Corp
    26.30K0.13%
  • Teton Advisors, LLC
    19.00K0.09%
  • Investors Asset Management Of Georgia Inc
    17.00K0.08%

Top Fund Holders

  • DFA US Small Cap Value I
    196.32K0.96%
  • EA Bridgeway Ultra-Small Company Mkt ETF
    63.72K0.31%
  • Bridgeway Ultra-Small Company
    63.14K0.31%
  • Fidelity Extended Market Index
    21.83K0.11%
  • TETON Westwood Mighty Mites AAA
    19.00K0.09%
  • DFA US Core Equity 2 I
    17.56K0.09%
  • DFA US Small Cap I
    13.76K0.07%
  • iShares Micro-Cap ETF
    11.63K0.06%

Dividends

20251×
0.02Apr 9, 2025
20241×
0.02Apr 11, 2024
20231×
0.02Aug 21, 2023
20221×
0.02Apr 12, 2022
20211×
0.02Apr 12, 2021
20191×
0.02Apr 9, 2019
20181×
0.02Apr 12, 2018
20171×
0.02Apr 11, 2017
20161×
0.02Apr 7, 2016
20151×
0.02Apr 9, 2015
20142×
0.02Nov 12, 20140.02Mar 25, 2014
20131×
0.02Mar 26, 2013
20122×
0.05Dec 12, 20120.02Mar 28, 2012
20111×
0.02Mar 29, 2011
19883×
0.02Aug 16, 19880.02Jun 24, 19880.03Mar 25, 1988
19874×
0.03Dec 24, 19870.03Sep 24, 19870.06Jun 24, 19870.06Mar 25, 1987
19861×
0.06Dec 24, 1986

Stock Splits

  • Nov 4, 19865:4
  • Nov 4, 19852:1
  • Sep 20, 19846:5
  • Sep 22, 198311:10
  • Sep 22, 198211:10
  • Jun 23, 19816:5
  • Jun 23, 198011:10