Atlantic American
Market Cap
US$56.4m
Last Updated
2019/08/24 23:32 UTC
Data Sources
Company Financials
Executive Summary
Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States.
Snowflake
Fundamentals
Mediocre balance sheet with moderate growth potential.
Risks
- Atlantic American is not covered by any analysts.
Similar Companies
Share Price & News
How has Atlantic American's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
16.0%
NasdaqGM:AAME
-2.3%
US Insurance
-1.6%
US Market
1 Year Return
3.6%
NasdaqGM:AAME
5.6%
US Insurance
-3.0%
US Market
AAME underperformed the Insurance industry which returned 5.6% over the past year.
AAME outperformed the Market in United States of America which returned -3% over the past year.
Share holder returns
| AAME | Industry | Market | |
|---|---|---|---|
| 7 Day | 16.0% | -2.3% | -1.6% |
| 30 Day | 21.0% | -5.9% | -5.7% |
| 90 Day | 11.4% | -0.6% | 0.2% |
| 1 Year | 4.4%3.6% | 8.1%5.6% | -0.8%-3.0% |
| 3 Year | -19.5%-21.0% | 40.6%30.0% | 38.1%29.1% |
| 5 Year | -29.1%-31.5% | 60.5%41.5% | 50.8%34.1% |
Price Volatility Vs. Market
How volatile is Atlantic American's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
Those Who Purchased Atlantic American (NASDAQ:AAME) Shares Five Years Ago Have A 45% Loss To Show For It1 month ago | Simply Wall St
Why Atlantic American Corporation's (NASDAQ:AAME) CEO Pay Matters To You2 months ago | Simply Wall St
Atlantic American Corporation (NASDAQ:AAME) Is Yielding 0.8% - But Is It A Buy?Valuation
Is Atlantic American undervalued based on future cash flows and its price relative to the stock market?
119.57x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Unable to calculate intrinsic value for Atlantic American to establish if it is available at moderate discount.
Unable to calculate intrinsic value for Atlantic American to establish if it is available at substantial discount.
Price Based on Earnings
Atlantic American is overvalued based on earnings compared to the US Insurance industry average.
Atlantic American is overvalued based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Atlantic American, we can't assess if its growth is good value.
Price Based on Value of Assets
Atlantic American is good value based on assets compared to the US Insurance industry average.
Next Steps
Future Growth
How is Atlantic American expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
34.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Atlantic American is high growth as no revenue estimate data is available.
Atlantic American's earnings are expected to grow significantly at over 20% yearly.
Unable to compare Atlantic American's revenue growth to the United States of America market average as no estimate data is available.
Atlantic American's earnings growth is expected to exceed the United States of America market average.
Atlantic American's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Atlantic American will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Atlantic American performed over the past 5 years?
-22.6%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Atlantic American's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
Atlantic American's 1-year earnings growth is negative, it can't be compared to the 5-year average.
Atlantic American's 1-year earnings growth is negative, it can't be compared to the US Insurance industry average.
Return on Equity
Atlantic American has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Atlantic American used its assets less efficiently than the US Insurance industry average last year based on Return on Assets.
Return on Capital Employed
Atlantic American's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
Next Steps
Financial Health
How is Atlantic American's financial position?
Financial Position Analysis
Atlantic American is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Atlantic American's long term commitments exceed its cash and other short term assets.
Debt to Equity History and Analysis
Atlantic American's level of debt (29.9%) compared to net worth is satisfactory (less than 40%).
The level of debt compared to net worth has been reduced over the past 5 years (38.6% vs 29.9% today).
Debt is not well covered by operating cash flow (10.8%, less than 20% of total debt).
Interest payments on debt are not well covered by earnings (EBIT is 1.5x annual interest expense, ideally 3x coverage).
Balance Sheet
Low level of unsold assets.
Debt is covered by short term assets, assets are 1.9x debt.
Next Steps
Dividend
What is Atlantic American's current dividend yield, its reliability and sustainability?
0.72%
Current Dividend Yield
Dividend Yield and Payments Analysis
Atlantic American's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).
Atlantic American's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).
Atlantic American is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.
Atlantic American is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.
Current Payout to Shareholders
No need to calculate the sustainability of Atlantic American's dividends as it is not paying a notable one for United States of America.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of Atlantic American's salary, the management and board of directors tenure and is there insider trading?
10.8yrs
Average management tenure
CEO
Hilton Howell (57yo)
24.3yrs
Tenure
US$3,215,755
Compensation
Mr. Hilton Hatchett Howell, Jr. has been the Chief Executive Officer of Gray Television, Inc. since August 20, 2008 and also served its President since June 2013 until January 03, 2019. Mr. Howell is a Mem ...
CEO Compensation Analysis
Hilton's remuneration is higher than average for companies of similar size in United States of America.
Hilton's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Management Age and Tenure
10.8yrs
Average Tenure
The average tenure for the Atlantic American management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
6.0yrs
Average Tenure
58yo
Average Age
The tenure for the Atlantic American board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Hilton Howell (57yo)
Chairman
- Tenure: 24.3yrs
- Compensation: US$3.22m
John Dunbar
Chief Information Officer & VP
- Tenure: 0.0yrs
Bruce Snyder
Assistant Vice President of Information Services
- Tenure: 0.0yrs
Barbara Snyder
Vice President of Human Resources
- Tenure: 19.6yrs
Casey Hudson
Vice President & Controller
- Tenure: 0.0yrs
Jeffrey Franklin (41yo)
VP, CFO & Corporate Secretary
- Tenure: 2.0yrs
- Compensation: US$449.17k
Rick Burns
Executive Vice President
- Tenure: 1.2yrs
Board Members
Hilton Howell (57yo)
Chairman
- Tenure: 24.3yrs
- Compensation: US$3.22m
Scott Thompson (74yo)
Director
- Tenure: 23.5yrs
- Compensation: US$40.00k
Robin Howell (54yo)
Director
- Tenure: 7.3yrs
- Compensation: US$40.00k
D. Wheeler (59yo)
Director
- Tenure: 4.2yrs
- Compensation: US$45.00k
Mark Preisinger (59yo)
Director
- Tenure: 3.4yrs
- Compensation: US$45.00k
Calvin Wall
Chairman of American Southern Insurance Company
- Tenure: 0.0yrs
Joe Scheerer (44yo)
Director
- Tenure: 4.7yrs
- Compensation: US$45.00k
Company Information
Atlantic American Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Atlantic American Corporation
- Ticker: AAME
- Exchange: NasdaqGM
- Founded: 1968
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: US$56.370m
- Shares outstanding: 20.16m
- Website: https://www.atlam.com
Number of Employees
Location
- Atlantic American Corporation
- 4370 Peachtree Road, NE
- Atlanta
- Georgia
- 30319
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| AAME | NasdaqGM (Nasdaq Global Market) | Yes | Common Stock | US | USD | Dec 1972 |
Biography
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 Fidel ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/24 23:32 |
| End of Day Share Price | 2019/08/23 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.