Is AII or BOW more undervalued in 2026?

CirclFi compares American Integrity Insurance Gr (AII) and Bowhead Specialty Holdings Inc. (BOW) using 13 institutional-grade valuation models. AII has a Quality of Company score of 8.4/10 while BOW scores 9.5/10.

Which is a better buy — AII or BOW?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AII and BOW valuations compare?

AII at $16.60 and BOW at $26.82 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AII vs BOW Valuation Comparison 2026 — Intrinsic Value Analysis

AII

Insurance - Property & Casualty

American Integrity Insurance Gr

Quality

8.4

out of 10

Value Trap

—

Price

$16.60

Last close

Models

9/13

Active

BOW

Insurance - Property & Casualty

Bowhead Specialty Holdings Inc.

Quality

9.5

out of 10

Value Trap

—

Price

$26.82

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	AII Fair Value	AII Upside	BOW Fair Value	BOW Upside
Earnings Power Value	Intrinsic	$44.21	+166.3%	$10.81	-59.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$33.49	+101.7%	$64.66	+141.1%
ML-RIV	Intrinsic	$76.58	+361.3%	$29.72	+10.8%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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AII vs BOW — Which Stock Is More Undervalued?

BOW scores higher with a 9.5/10 quality rating vs AII's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing American Integrity Insurance Gr (AII) and Bowhead Specialty Holdings Inc. (BOW) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AII currently trades at $16.60 with a QOC of 8.4/10, while BOW trades at $26.82 with a QOC of 9.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).