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Atlantic American Corporation (AAME)

Nasdaq: AAME · Life Insurance · Atlanta, GA · filing with the SEC since 1995
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Grade4.0
◀ Past 1.8● Present 3.9▶ Future 7.4
1 est.
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The grade of Atlantic American Corporation

Nine metrics read from its own filings, by tense
Headline grade
4.0/10
◀ Past1.840% of the headline
● Present3.935% of the headline
▶ Future7.425% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
0.3/10

Has it survived what it has been through?

13 warning events since 2017; the latest 2026-10-22.

weight 33% of this tense · 3rd percentile among 18 sector filers · read for itself

From the record

Atlantic American Corporation's filings since 2017 show 13 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 6 times, the latest 2026-10-22); an auditor change (8-K item 4.01, 2 times, the latest 2022-06-03); a late-report notice (Form NT 10-K or NT 10-Q, 5 times, the latest 2026-08-17) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.7/10

What has it actually done, year after year?

+2.7% a year over 10 filed years; profitable in 6 of 10.

weight 22% of this tense · 47th percentile among 18 sector filers · read for its customers

From the record

Atlantic American Corporation's 10 filed years say what it did: revenue went from $166 million in fiscal 2016 to $210 million in fiscal 2025, up 2.7% a year; it rose in 6 of 9 years; the deepest fall was 6% from fiscal 2021 to fiscal 2023; net income was positive in 6 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span2.7%bottom 42% of its family
  • the share of years revenue rosetop 44% of its family
  • the share of filed years with a profitbottom 14% of its family
  • the deepest fall from a revenue peak6.4%top 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
1.5/10

How has it treated the people who own it?

Share count steady. 3% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 45% of this tense · 15th percentile among 16 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Atlantic American Corporation's diluted share count held steady, and dividends and buybacks returned about 3% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 15% of its family
  • cash returned against operating cash flowbottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
4.4/10

Is it financially healthy right now?

ROE 5%: 5¢ of profit per shareholder dollar. Leverage 72%: owes 72¢ per asset dollar.

weight 45% of this tense · 44th percentile among 18 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Atlantic American Corporation earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 72 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 3% of its family
  • return on equitybottom 19% of its family
  • the share count against the year beforebottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
2.3/10

How strong is its position in its industry?

bottom 23% of 18 in its family; net margin 2.9%.

weight 33% of this tense · 23rd percentile among 18 sector filers · read for its customers

From the record

Atlantic American Corporation's standing among 18 graded names in its industry family: revenue of $210 million in fiscal 2025 ranks in the bottom 3% by size; a net margin of 2.9% ranks in the bottom 19%; revenue growth of 3.9% a year over the last 3 filed years ranks in the bottom 47% (its annual reports).

What it rests on

  • revenue against the family$210Mbottom 3% of its family
  • net margin2.9%bottom 19% of its family
  • three-year revenue growth3.9%bottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.5/10

What are the people in charge doing?

SI estimate 5.5/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 13 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
No officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 13 members with one.
What the record cannot read
No officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned
family median, 13 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Atlantic American Corporation's leadership is put at 5.5 of 10 with a confidence of 20 of 100, because no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 13 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.4/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.2/10

How much room does it have to grow?

top 28% of 16 in its family for room to expand.

weight 33% of this tense · 72nd percentile among 16 sector filers · read for itself

From the record

Atlantic American Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $44 million against no long-term debt tagged leaves 10.1% of its assets as net cash, top 3% of its family; cash from operations less capital spending is 15.4% of revenue (bottom 47%) (its annual report).

What it rests on

  • cash less debt against assets10.1%top 3% of its family
  • cash from operations less capital spending against revenue15.4%bottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.8/10

What could actually drive growth from here?

top 31% of 18 in its family for growth drivers.

weight 33% of this tense · 69th percentile among 18 sector filers · read for its customers

From the record

Atlantic American Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 3.9% a year over the last three filed years against 2.7% over all 10, speeding up (bottom 47% of its family); the newest year grew 11.9% (top 14%); capital spending grew 54.6% a year (top 28%) (its annual reports). Atlantic American Corporation reported 2 lines of business in fiscal 2024: Bankers Fidelity at $116 million, American Southern at $72 million. 1 of 2 grew in the latest filed year, and the largest line is 62% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+1.2 points a yearbottom 47% of its family
  • the newest year's revenue growth11.9%top 14% of its family
  • three-year growth of capital spending54.6%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
8.2/10

Did its newest year beat what its own record pointed to?

top 18% of 18 in its family for expectations against reality.

weight 33% of this tense · 82nd percentile among 18 sector filers · read for its shareholders

From the record

Atlantic American Corporation's newest year against its own record: revenue of $210 million in fiscal 2025 came in 11.8% above the $188 million its prior three years' pace pointed to (top 25% of its family); net income of $6 million against a prior three-year average of $13 thousand (top 3%); a net margin of 2.9% against -0% before (top 25%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace11.8%top 25% of its family
  • net income against the prior three years' averagefive times its prior average or moretop 3% of its family
  • net margin against its prior average+2.9 pointstop 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AAME · research, not advice