profit from every $100 of sales.
$0$100
Atlantic American
$1.25+1.63% today
-57.2% in 1 year
1-year low $1.051-year high $3.22
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2021 to 2024.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Atlantic American sold, what it kept, and what it did with the cash.
Sales went from $200 million in 2021 to $188 million in 2024, with -$4.27 million of profit last year.
SalesProfit
Atlantic American handed back 18% of the cash it generated last year.
$807,000
Free cash flow 2024$5M
Bought back its own shares–
Paid as dividends$807,000
Cash vs. debt$36M vs. $38M
Atlantic American vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Atlantic American | No profit yet | ||
 China Life Insurance | 6.4× · Cheap | ||
 Ping An Insurance (Group) Company of China | 7.2× · Cheap | ||
 AIA Group | 16.6× · Fair price | ||
 Manulife Financial | 18.1× · Fair price |
AI analysis
An AI analyst reads Atlantic American's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| 200 | 188 | 187 | 188 | |
| – | – | – | – | |
| – | – | – | – | |
| 8 | 5 | 3 | -1 | |
| 4 | 2 | -0 | -4 | |
| 0.19 | 0.06 | -0.03 | -0.23 | |
| – | – | – | – | |
| – | – | – | – | |
| 2.1% | 0.8% | -0.1% | -2.3% |
Balance sheet
| In millions of USD | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Total assets | 402 | 367 | 381 | 393 |
| Cash | 25 | 29 | 28 | 36 |
| Total debt | 34 | 36 | 37 | 38 |
| Total liabilities | 261 | 265 | 274 | 294 |
| 141 | 102 | 107 | 100 | |
| 23 | 20 | 20 | 19 | |
| 3.0% | 2.3% | 1.5% | -1.1% | |
| 3.0% | 1.5% | -0.2% | -4.3% |
Cash flow
| In millions of USD | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| 1 | 6 | 3 | 5 | |
| 0 | 0 | 0 | 0 | |
| 1 | 6 | 3 | 5 | |
| Dividends paid | 1 | 1 | 1 | 1 |
| – | – | – | – | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- –
- –
- 0.5×
- 0.1×
- -16.7%
- 0.0%
Profitability
- -2.3%
- -4.7%
- 1.4%
- 4.9%
- 1.2%
Growth
- −1.9%
- –
- –
- −0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 4%of 748
Bottom 20%of 603
Bottom 18%of 883
Top 11%of 933
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Nov 14, 2025 | 0.02 | – | – |
| Aug 12, 2025 | 0.07 | – | – |
| May 13, 2025 | 0.01 | – | – |
| Mar 25, 2025 | -0.04 | – | – |
| Nov 12, 2024 | -0.04 | – | – |
| Aug 14, 2024 | -0.06 | – | – |
| May 14, 2024 | -0.12 | – | – |
| Apr 1, 2024 | -0.21 | – | – |
News
Atlantic American faces Nasdaq delisting notice over overdue reportsSeeking Alpha · Oct 22, 2026Atlantic Union forecasts 2026 FTE NIM at low end of 3.90%-3.95% while continuing buybacks through May 2027Seeking Alpha · Oct 20, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
28No pass
Benjamin Graham
51No pass
Philip Fisher
23No pass
Peter Lynch
28No pass
Joel Greenblatt
0No pass
Charlie Munger
17No pass
Terry Smith
6No pass
Questions about Atlantic American
Is Atlantic American a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Atlantic American AI analysis
What does Atlantic American do?
Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. The company operates through American Southern and Bankers Fidelity segments. It is in Insurance - Life.
Does Atlantic American pay a dividend?
Yes. In 2024 it paid out $807,000 in dividends.
Is Atlantic American stock halal?
No. Atlantic American does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Atlantic American stock done over the past year?
Down 57.2% over the past twelve months, to $1.25. It traded between $1.05 and $3.22 and is 61.2% below its high.
Who are Atlantic American's competitors?
The largest listed companies in the same industry are China Life Insurance, Ping An Insurance (Group) Company of China, AIA Group and Manulife Financial. The peers table on this page compares their profit, growth and price with Atlantic American's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.