AAME
Atlantic American Corporation2.5100
+0.2000+8.66%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
51.20MP/E (TTM)
10.91Basic EPS (TTM)
0.23Dividend Yield
0.01%Recent Filings
10-Q
Q3 FY2025 results
Atlantic American swung to net income of $0.6M ($0.02 diluted EPS) in Q3 2025 ended September 30, from a $2.0M loss last year, while nine-month net hit $4.7M ($0.22 EPS) versus a $4.7M loss (y/y). Premiums jumped 18.7% y/y to $52.0M in Q3 on auto liability and inland marine growth at American Southern, plus Medicare supplement sales at Bankers Fidelity; segments posted pretax profits of $1.6M each. Cash stood at $34.4M with $15.2M operating cash flow, backed by $10M revolver ($4.0M drawn, matures 2027) and $33.7M debentures (8.51%). Both segments profitable. Catastrophes lurk.
8-K
Q3 profit turnaround
Atlantic American swung to Q3 net income of $0.6M ($0.02/share) from a $2.0M loss last year, fueled by premium growth in auto liability, inland marine, and Medicare supplement lines. Year-to-date net income hit $4.7M ($0.22/share), reversing a $4.7M loss, with premiums up 12% to $149M and operating income surging $7.7M. Premiums drive profits. Management eyes sustained growth amid economic risks.
8-K
Q2 profit swings to $3.3M
Atlantic American swung to Q2 net income of $3.3 million ($0.15 per diluted share) from a $0.7 million loss last year, fueled by premium revenue jumping to $50.1 million on inland marine and Medicare supplement growth. Operating income rose $2.7 million to $1.6 million. Premiums surged. Management eyes sustained growth amid market risks.
10-Q
Q2 FY2025 results
Atlantic American swung to a $3.3M net profit for Q2 ended June 30, 2025 ($0.15 diluted EPS), from a $0.7M loss y/y, while YTD net income hit $4.1M ($0.19/share) versus a $2.7M loss—premiums jumped 11.5% y/y to $50.1M in Q2 and 8.4% YTD to $97.1M, fueled by inland marine and Medicare supplement growth in American Southern and Bankers Fidelity segments. Bankers Fidelity drove profitability with underwriting income up sharply on lower loss ratios; unrealized equity gains added $2.6M in Q2. Cash swelled to $46.4M on $8.6M operating cash flow, revolver draws steady at $4.0M with $6.0M available. Solid liquidity, yet unremediated material weakness in life/health reserve controls lingers.
8-K
Shareholders re-elect board, ratify auditors
Atlantic American shareholders overwhelmingly elected all six directors—including Hilton H. Howell, Jr. and Robin R. Howell—at the May 13, 2025 annual meeting, with over 96% support despite minor withholdings. They ratified Forvis Mazars as auditors for 2025 (99% approval) and backed executive pay (98% for), opting for triennial say-on-pay votes per board recommendation. Continuity locked in.
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