Loading...

We've got a brand new version of Simply Wall St! Try it out

Atlantic American

Nasdaq:AAME
Snowflake Description

Mediocre balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
AAME
Nasdaq
$31M
Market Cap
  1. Home
  2. US
  3. Insurance
Company description

Atlantic American Corporation, through its subsidiaries, provides life and health, and property and casualty insurance products in the United States. The last earnings update was 2 days ago. More info.


Add to Portfolio Compare Print
  • Atlantic American has significant price volatility in the past 3 months.
AAME Share Price and Events
7 Day Returns
-18.8%
NasdaqGM:AAME
0.5%
US Insurance
0.4%
US Market
1 Year Returns
-46.3%
NasdaqGM:AAME
15.8%
US Insurance
13.1%
US Market
AAME Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Atlantic American (AAME) -18.8% -33.3% -33.6% -46.3% -58.4% -58.5%
US Insurance 0.5% 1.4% 3.2% 15.8% 27.9% 46.3%
US Market 0.4% 4% 7.4% 13.1% 38.6% 44.6%
1 Year Return vs Industry and Market
  • AAME underperformed the Insurance industry which returned 15.8% over the past year.
  • AAME underperformed the Market in United States of America which returned 13.1% over the past year.
Price Volatility
AAME
Industry
5yr Volatility vs Market

Value

 Is Atlantic American undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Atlantic American. This is due to cash flow or dividend data being unavailable. The share price is $1.6.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Atlantic American's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Atlantic American's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:AAME PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-09-30) in USD $-0.09
NasdaqGM:AAME Share Price ** NasdaqGM (2019-11-14) in USD $1.6
United States of America Insurance Industry PE Ratio Median Figure of 88 Publicly-Listed Insurance Companies 17.08x
United States of America Market PE Ratio Median Figure of 2,917 Publicly-Listed Companies 18.19x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Atlantic American.

NasdaqGM:AAME PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:AAME Share Price ÷ EPS (both in USD)

= 1.6 ÷ -0.09

-18.46x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Atlantic American is loss making, we can't compare its value to the US Insurance industry average.
  • Atlantic American is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Atlantic American's expected growth come at a high price?
Raw Data
NasdaqGM:AAME PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -18.46x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
39%per year
United States of America Insurance Industry PEG Ratio Median Figure of 64 Publicly-Listed Insurance Companies 0.92x
United States of America Market PEG Ratio Median Figure of 2,028 Publicly-Listed Companies 1.46x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Atlantic American, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Atlantic American's assets?
Raw Data
NasdaqGM:AAME PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-09-30) in USD $5.59
NasdaqGM:AAME Share Price * NasdaqGM (2019-11-14) in USD $1.6
United States of America Insurance Industry PB Ratio Median Figure of 116 Publicly-Listed Insurance Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,070 Publicly-Listed Companies 1.73x
NasdaqGM:AAME PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:AAME Share Price ÷ Book Value per Share (both in USD)

= 1.6 ÷ 5.59

0.29x

* Primary Listing of Atlantic American.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Atlantic American is good value based on assets compared to the US Insurance industry average.
X
Value checks
We assess Atlantic American's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Atlantic American has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Atlantic American expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Atlantic American, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
39%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Atlantic American expected to grow at an attractive rate?
  • Atlantic American's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Atlantic American's earnings growth is expected to exceed the United States of America market average.
  • Unable to compare Atlantic American's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:AAME Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:AAME Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 39%
United States of America Insurance Industry Earnings Growth Rate Market Cap Weighted Average 6%
United States of America Insurance Industry Revenue Growth Rate Market Cap Weighted Average 3.2%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:AAME Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:AAME Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-09-30 195 -2
2019-06-30 194 4 0
2019-03-31 200 4 8
2018-12-31 186 4 -1
2018-09-30 185 -1 1
2018-06-30 184 11 1
2018-03-31 178 11 -1
2017-12-31 181 12 4
2017-09-30 172 3 3
2017-06-30 170 4 2
2017-03-31 168 2 1
2016-12-31 166 1 2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Atlantic American's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if Atlantic American is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:AAME Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Atlantic American Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:AAME Past Financials Data
Date (Data in USD Millions) EPS *
2019-09-30 -0.09
2019-06-30 0.02
2019-03-31 0.40
2018-12-31 -0.05
2018-09-30 0.06
2018-06-30 0.05
2018-03-31 -0.03
2017-12-31 0.20
2017-09-30 0.14
2017-06-30 0.11
2017-03-31 0.05
2016-12-31 0.11

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Atlantic American will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Atlantic American's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Atlantic American has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Atlantic American performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Atlantic American's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Atlantic American does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Atlantic American's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Atlantic American's 1-year growth to the US Insurance industry average as it is not currently profitable.
Earnings and Revenue History
Atlantic American's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Atlantic American Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:AAME Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-09-30 195.09 -1.85
2019-06-30 193.72 0.47
2019-03-31 200.03 8.08
2018-12-31 185.55 -1.10
2018-09-30 185.18 1.24
2018-06-30 183.61 1.05
2018-03-31 177.80 -0.67
2017-12-31 181.11 4.13
2017-09-30 172.32 2.94
2017-06-30 169.97 2.34
2017-03-31 168.19 1.12
2016-12-31 166.08 2.24
2016-09-30 165.91 1.00
2016-06-30 163.82 1.09
2016-03-31 166.74 4.20
2015-12-31 165.94 3.99
2015-09-30 167.00 5.14
2015-06-30 168.55 6.34
2015-03-31 165.36 3.85
2014-12-31 165.57 3.96
2014-09-30 165.48 4.14
2014-06-30 166.82 5.37
2014-03-31 169.88 10.45
2013-12-31 165.37 10.54
2013-09-30 159.57 9.99
2013-06-30 151.62 8.38
2013-03-31 141.93 3.19
2012-12-31 139.83 3.93

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Atlantic American has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • Atlantic American used its assets less efficiently than the US Insurance industry average last year based on Return on Assets.
  • It is difficult to establish if Atlantic American improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Atlantic American's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Atlantic American has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Atlantic American's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Atlantic American's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • 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.
Balance sheet
This treemap shows a more detailed breakdown of Atlantic American's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.9x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Atlantic American Company Filings, last reported 1 month ago.

NasdaqGM:AAME Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-09-30
2019-06-30 112.77 33.74 11.45
2019-03-31 111.49 33.74 8.61
2018-12-31 101.37 33.74 12.63
2018-09-30 102.12 33.74 10.04
2018-06-30 101.67 33.74 7.49
2018-03-31 101.72 33.74 8.44
2017-12-31 112.98 33.74 24.55
2017-09-30 109.52 33.74 9.47
2017-06-30 107.54 33.74 12.64
2017-03-31 106.98 33.74 10.68
2016-12-31 105.51 33.74 13.25
2016-09-30 108.95 33.74 11.86
2016-06-30 108.05 33.74 13.97
2016-03-31 103.82 33.74 10.78
2015-12-31 102.49 33.74 15.62
2015-09-30 103.21 33.74 14.64
2015-06-30 105.54 33.74 32.93
2015-03-31 107.46 33.74 19.70
2014-12-31 104.20 33.74 16.38
2014-09-30 102.18 33.74 16.49
2014-06-30 106.64 41.24 27.76
2014-03-31 101.86 41.24 27.18
2013-12-31 100.93 41.24 33.10
2013-09-30 97.03 41.24 37.25
2013-06-30 98.75 41.24 47.10
2013-03-31 104.03 41.24 18.78
2012-12-31 105.74 41.24 18.95
  • 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).
  • Atlantic American is making a loss, therefore interest payments are not well covered by earnings.
X
Financial health checks
We assess Atlantic American's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Atlantic American has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Atlantic American's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.25%
Current annual income from Atlantic American dividends.
If you bought $2,000 of Atlantic American shares you are expected to receive $25 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Atlantic American's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.43%).
  • Atlantic American's dividend is below the markets top 25% of dividend payers in United States of America (3.66%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:AAME Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Insurance Industry Average Dividend Yield Market Cap Weighted Average of 78 Stocks 2.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1949 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:AAME Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-01 0.020 0.832
2018-03-28 0.020 0.735
2017-03-24 0.020 0.569
2017-03-15 0.020 0.515
2016-03-07 0.020 0.520
2015-03-27 0.020 0.496
2014-02-26 0.020 0.519
2012-12-04 0.070 1.909
2012-02-28 0.020 0.716

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Atlantic American has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Atlantic American has only been paying a dividend for 8 years, and since then there has been no growth.
Current Payout to shareholders
What portion of Atlantic American's earnings are paid to the shareholders as a dividend.
  • The company is paying a dividend however it is incurring a loss.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Atlantic American's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Atlantic American afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Atlantic American has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Atlantic American's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Hilton Howell
COMPENSATION $1,098,585
AGE 57
TENURE AS CEO 24.5 years
CEO Bio

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 has been Chief Executive Officer of Delta Fire & Casualty Insurance Company and Delta Life Insurance Company since 2013 and serves as its Director. He is a Member of Board of Advisor at Curant Health Georgia, LLC. He has been the Chief Executive Officer and President of Atlantic American Corp. since May 1995. He has been the Executive Vice President and General Counsel of Delta Life Insurance Company since 1991. He served as Executive Vice President and General Counsel of Delta Fire and Casualty Insurance Company since 1991. He was a Managing Partner of Leath Furniture, LLC. He served as Vice President and Secretary of Bull Run Corp. from 1994 to December 2005. Mr. Howell served as the Executive Vice President of Atlantic American Corporation from October 1992 to May 1995. Mr. Howell has also been actively involved in various segments of the insurance industry throughout his career, resulting in significant depth and breadth of industry knowledge. He served as an Executive Vice President of Gray Television from 2000 to September 2002. He serves as Chairman of Gray Television Inc. since April 2016. Mr. Howell has been the Chairman of Atlantic American Corporation since February 24, 2009. Mr. Howell is also a licensed attorney. He serves as the Chairman of the Board at WVLT-TV, Inc. He served as the Chairman of Southern Community Newspapers Inc. since November 28, 2007. He serves as Chairman of Bankers Fidelity Life Insurance Company. He served as the Vice Chairman of Bankers Fidelity Life Insurance Company since 1992. He has been the Vice Chairman of Georgia Casualty & Surety Company since 1992. He served as Vice Chairman of Gray Television Inc. since September 2002 until April 2016. He has been a Director of Atlantic American Corp. since October 1992. He serves as a Director of Delta Life Insurance Co. He has been a Director of Gray Television Inc. (formerly Gray Communications Systems, Inc.) since 1993. He serves as a Director of Bankers Fidelity Life Insurance Company, Delta Life Insurance Company, Delta Fire and Casualty Insurance Company, Georgia Casualty & Surety Company, American Southern Insurance Company, American Safety Insurance Company, Association Casualty Insurance Company and Association Risk Management General Agency. Mr. Howell served as a Director of Bull Run Corporation since 1994 and Southern Community Newspapers Inc(alternate name, Triple Crown Media Inc.). from December 2005 to December 8, 2009. Mr. Howell holds a J.D. from Baylor University Law School in 1988 and an M.B.A. from University of Texas Graduate School of Business in 1990. He holds a B.A. Degree in History from Baylor University in 1984.

CEO Compensation
  • Hilton's compensation has increased whilst company is loss making.
  • Hilton's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure of the Atlantic American management team in years:

11
Average Tenure
  • The average tenure for the Atlantic American management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Hilton Howell

TITLE
Chairman
COMPENSATION
$1M
AGE
57
TENURE
24.5 yrs

Jeffrey Franklin

TITLE
VP, CFO & Corporate Secretary
COMPENSATION
$449K
AGE
41
TENURE
2.3 yrs

John Dunbar

TITLE
Chief Information Officer & VP

Barbara Snyder

TITLE
Vice President of Human Resources
TENURE
19.8 yrs

Rick Burns

TITLE
Executive Vice President
TENURE
1.4 yrs

Casey Hudson

TITLE
Vice President & Controller
Board of Directors Tenure

Average tenure and age of the Atlantic American board of directors in years:

6.2
Average Tenure
58
Average Age
  • The tenure for the Atlantic American board of directors is about average.
Board of Directors

Calvin Wall

TITLE
Chairman of American Southern Insurance Company

Hilton Howell

TITLE
Chairman
COMPENSATION
$1M
AGE
57
TENURE
10.8 yrs

D. Wheeler

TITLE
Independent Director
COMPENSATION
$45K
AGE
59
TENURE
4.4 yrs

Mark Preisinger

TITLE
Independent Director
COMPENSATION
$45K
AGE
59
TENURE
3.7 yrs

Scott Thompson

TITLE
Director
COMPENSATION
$40K
AGE
74
TENURE
23.8 yrs

Robin Howell

TITLE
Director
COMPENSATION
$40K
AGE
54
TENURE
7.5 yrs

Joe Scheerer

TITLE
Independent Director
COMPENSATION
$45K
AGE
44
TENURE
4.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Atlantic American's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Atlantic American has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Those Who Purchased Atlantic American (NASDAQ:AAME) Shares Five Years Ago Have A 45% Loss To Show For It

Check out our latest analysis for Atlantic American In his essay The Superinvestors of Graham-and-Doddsville Warren Buffett described how share prices do not always rationally reflect the value of a business. … One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. … However, it could simply be that the share price has been impacted by broader market jitters.

Simply Wall St -

Why Atlantic American Corporation's (NASDAQ:AAME) CEO Pay Matters To You

See our latest analysis for Atlantic American How Does Hilton Howell's Compensation Compare With Similar Sized Companies? … Our data indicates that Atlantic American Corporation is worth US$48m, and total annual CEO compensation is US$3.2m. … We examined the amount Atlantic American Corporation pays its CEO, and compared it to the amount paid by similar sized companies.

Simply Wall St -

Atlantic American Corporation (NASDAQ:AAME) Is Yielding 0.8% - But Is It A Buy?

Is Atlantic American Corporation (NASDAQ:AAME) a good dividend stock? … Atlantic American has been paying a dividend for the past seven years. … It's good to see that Atlantic American has been paying a dividend for a number of years.

Simply Wall St -

What Kind Of Shareholder Owns Most Atlantic American Corporation (NASDAQ:AAME) Stock?

Insiders often own a large chunk of younger, smaller, companies while huge companies tend to have institutions as shareholders. … As Nassim Nicholas Taleb said, 'Don’t tell me what you think, tell me what you have in your portfolio.'. … Atlantic American is not a large company by global standards.

Simply Wall St -

The Atlantic American (NASDAQ:AAME) Share Price Is Down 39% So Some Shareholders Are Getting Worried

Unfortunately, that's been the case for longer term Atlantic American Corporation (NASDAQ:AAME) shareholders, since the share price is down 39% in the last three years, falling well short of the market return of around 48%. … Atlantic American saw its EPS decline at a compound rate of 38% per year, over the last three years. … In comparison the 15% compound annual share price decline isn't as bad as the EPS drop-off.

Simply Wall St -

Should You Be Tempted To Sell Atlantic American Corporation (NASDAQ:AAME) Because Of Its P/E Ratio?

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … We'll look at Atlantic American Corporation's (NASDAQ:AAME) P/E ratio and reflect on what it tells us about the company's share price. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Our Take On Atlantic American Corporation's (NASDAQ:AAME) CEO Salary

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Hilton Howell's Compensation Compare With Similar Sized Companies. … According to our data, Atlantic American Corporation has a market capitalization of US$48m, and pays its CEO total annual compensation worth US$1.1m.

Simply Wall St -

How Much Of Atlantic American Corporation (NASDAQ:AAME) Do Insiders Own?

If you want to know who really controls Atlantic American Corporation (NASDAQ:AAME), then you'll have to look at the makeup of its share registry. … With a market capitalization of US$65m, Atlantic American is a small cap stock, so it might not be well known by many institutional investors. … Check out our latest analysis for Atlantic American

Simply Wall St -

Did Atlantic American Corporation (NASDAQ:AAME) Create Value For Investors Over The Past Year?

and want to begin learning the link between company’s fundamentals and stock market performance. … Atlantic American Corporation’s (NASDAQ:AAME) most recent return on equity was a substandard 1.43% relative to its industry performance of 9.31% over the past year. … An investor may attribute an inferior ROE to a relatively inefficient performance, and whilst this can often be the case, knowing the nuts and bolts of the ROE calculation may change that perspective and give you a deeper insight into AAME's past performance.

Simply Wall St -

What You Must Know About Atlantic American Corporation's (NASDAQ:AAME) Major Investors

I am going to take a deep dive into Atlantic American Corporation’s (NASDAQ:AAME) most recent ownership structure, not a frequent subject of discussion among individual investors. … Ownership structure of a company has been found to affect share performance over time. … The implications of these institutions’ actions can either benefit or hinder individual investors, so it is important to understand the ownership composition of your stock investment.

Simply Wall St -

Company Info

Description

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 business automobile insurance coverage for state governments, local municipalities, and other motor pools and fleets; and inland marine and general liability insurance products. It also provides surety bond coverage for school bus transportation and subdivision construction, as well as performance and payment bonds. In addition, it provides ordinary and term life insurance, medicare supplement, and other accident and health insurance products. The company markets its products through independent agents and brokers. Atlantic American Corporation was founded in 1968 and is based in Atlanta, Georgia.

Details
Name: Atlantic American Corporation
AAME
Exchange: NasdaqGM
Founded: 1968
$30,719,251
20,479,501
Website: http://www.atlam.com
Address: Atlantic American Corporation
4370 Peachtree Road, NE,
Atlanta,
Georgia, 30319,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM AAME Common Stock Nasdaq Global Market US USD 14. Dec 1972
Number of employees
Current staff
Staff numbers
158
Atlantic American employees.
Industry
Multi-line Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/14 23:32
End of day share price update: 2019/11/14 00:00
Last earnings filing: 2019/11/12
Last earnings reported: 2019/09/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.