Atlantic American
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.
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Profile
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
Key statistics
Year to date −50.7% · Average volume (30d) 63.9K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Nov 14, 2025Q3 FY25 | — | $0.02 | — | — | $53.8M | — | −8.90% |
| Aug 12, 2025Q2 FY25 | — | $0.07 | — | — | $55.3M | — | +6.06% |
| May 13, 2025Q1 FY25 | — | $0.01 | — | — | $50.1M | — | −2.30% |
| Mar 25, 2025Q4 FY24 | — | −$0.04 | — | — | $49.0M | — | −2.81% |
Financial highlights
| 12 quarters | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | |
|---|---|---|---|---|---|---|---|
| Revenue | $47.7M | $44.5M | $49.0M | $50.1M | $55.3M | $53.8M | |
| Gross profit | $4.3M | $2.3M | $5.4M | $6.5M | $8.8M | $18.6M | |
| Operating income | −$849.0K | −$2.5M | $545.0K | $1.0M | $4.2M | $769.0K | |
| Net income | −$684.0K | −$2.0M | $412.0K | $802.0K | $3.3M | $577.0K | |
| Diluted EPS | −$0.04 | −$0.10 | $0.02 | $0.03 | $0.15 | $0.03 | |
| Gross margin | 9.0% | 5.1% | 11.0% | 13.0% | 15.9% | 34.7% | |
| Operating margin | -1.8% | -5.5% | 1.1% | 2.1% | 7.6% | 1.4% |
Fiscal years (4-quarter sums)FY20 $195.3M · FY21 $199.6M · FY22 $187.9M · FY23 $186.8M · FY24 $188.2M
Revenue by product · Q1 FY25
Revenue by geography · Q1 FY25
Balance sheet, Sep 30, 2025Cash & short-term investments $34.4M · Total debt $37.8M · Total assets $430.9M · Shareholders' equity $109.5M
Dividends
Raised for 4 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 9, 2025 | Apr 9 | Apr 23 | $0.02 | |
| Apr 11, 2024 | Apr 12 | Apr 26 | $0.02 | |
| Aug 21, 2023 | Aug 22 | Sep 12 | $0.02 | |
| Apr 12, 2022 | Apr 13 | Apr 27 | $0.02 |
Ownership
Shares outstanding 20.40M · Float 4.03M · 19.8% free float
Insiders — no current Form 4 position.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Dimensional Fund Advisors LP | 331.4K | 1.62% | 13F | May 7, 2026 |
| Bridgeway Capital Management, LLC | 169.1K | 0.83% | 13F | May 15, 2026 |
| BlackRock, Inc. | 107.6K | 0.53% | 13F | May 13, 2026 |
| Biglari, Sardar | 105.9K | 0.52% | 13F | May 15, 2026 |
| Vanguard Capital Management LLC | 60.8K | 0.30% | 13F | May 15, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
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CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Atlantic American | $1.51 | +6.34% | $28.8M | 6.1 | — | 0.2 | +20.8% |
| Progressive | $217.33 | −0.61% | $127.12B | 11.0 | 13.3 | 1.4 | −4.2% |
| Travelers | $372.15 | +0.62% | $77.15B | 9.9 | 12.4 | 1.6 | −4.8% |
| CNO Financial Group | $57.00 | +2.96% | $5.17B | 19.0 | 11.7 | 1.1 | +11.6% |
| Aflac | $116.52 | −0.00% | $59.31B | 12.6 | 15.9 | 3.3 | −2.4% |
| Unum Group | $93.38 | +0.31% | $14.73B | 21.7 | 10.4 | 1.1 | −13.8% |
| Median | 12.6 | 12.4 | 1.4 | −4.2% |