Atlantic American Corporation (AAME) Fair Value 2026

AAME · Insurance - Life ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.6 /10

32 fundamental signals · 4 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-08-28, Atlantic American Corporation (AAME) trades at $1.41, versus a $3.71 median fair value across its 4 active models — 163.2% above the current price. QOC: 6.6/10. Value Trap Risk: 20/100 (SAFE). 4/13 models active.

Key Facts

Ticker
AAME
Price
$1.41
Quality Score
6.6/10
Value Trap Risk
20/100
Models Active
4/13
Last Updated
Strength: CUCE Ensemble suggests +209.1% upside with 3% confidence
Risk: Limited model coverage (4/13) may reduce confidence

Is Atlantic American Corporation (AAME) Undervalued or Overvalued in 2026?

According to CirclFi’s 4-model valuation engine, Atlantic American Corporation (AAME) appears undervalued as of : the median of 4 independent fair value estimates is $3.71, 163.2% above the current price of $1.41. Estimates range from $1.03 to $4.48. AAME scores 6.6/10 on fundamental quality and 20/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. AAME’s +163.2% gap is wider than that market norm, and the Insurance - Life sector median is +10.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Atlantic American Corporation Stock in 2026? →

What Fair Value Does Each Model Give AAME?

4 Intrinsic Value Models vs. Current Price ($1.41)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $1.03 -26.7%
Ensemble · Low Conviction
 $4.36 +209.1%
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What Is AAME's Fair Value Range?

Spread across 4 independent models · $1.03 to $4.48

CirclFi's 4 active models place Atlantic American Corporation (AAME) between $1.03 and $4.48 per share, a spread of 93% of the median. The median of that range — $3.71 — is the fair value CirclFi publishes for AAME, against a current price of $1.41.

Low · EPVHigh · FTNN
$1.03median $3.71$4.48
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$1.03
Most bullish modelFTNN Topology$4.48
Model agreement3 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on AAME, not a CirclFi price target. How each model works →

What Is Atlantic American Corporation (AAME) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for Atlantic American Corporation. Trading at $1.41 against an estimated intrinsic value of $3.71, 3 of 4 active models flag meaningful upside of +163.2% at the median. The most optimistic model, FTNN, places fair value at $4.48 (+217.8%), while EPV — the most conservative — estimates $1.03 (-26.7%). This +244.5% gap reflects genuine analytical uncertainty about Atlantic American Corporation's intrinsic worth.

What Do the Models Say About AAME?

4 of 13 models are currently active for AAME. Of these, 3 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for AAME is $3.71 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does AAME Rank in Insurance - Life?

Among 17 Insurance - Life stocks, AAME ranks #16 by Quality of Company score. CirclFi's QOC score of 6.6/10 evaluates 32 fundamental signals. A score of 6.6 indicates above-average quality.

Atlantic American Corporation's positioning within the Insurance - Life segment means that expense ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including market share gains — shape both the opportunity set and risk profile.

Is AAME a Value Trap?

CirclFi's Value Trap algorithm assigns AAME a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

4 of 13 models are active for Atlantic American Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Atlantic American Corporation earns a quality score of 6.6/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +244.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every AAME valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across AAME's 4 active models, average confidence is 31%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Atlantic American Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Life Stocks Should You Also Analyze?

9 related Insurance - Life stocks with 13-model coverage

GNWGenworth Financial, Inc.QOC 7.1PUKPrudential plcQOC 2.7UNMUnum GroupQOC 7.2PRIPrimerica, Inc.QOC 9.2CNOCNO Financial Group, Inc.QOC 7.3GLGlobe Life Inc.QOC 8.6CIACitizens, Inc.QOC 8.1METMetLife, Inc.QOC 7.8PRUPrudential Financial, Inc.QOC 7.6

Read investment analysis: GNW · PUK · UNM · PRI · CNO · GL · CIA · MET · PRU

Which Other Stocks Have a Similar Quality Score to AAME?

7 companies across all industries closest to AAME’s Quality of Company score of 6.6/10.

MITQMoving iMage Technologies, Inc.QOC 6.6HHyatt Hotels CorporationQOC 6.6MXLMaxLinear, Inc.QOC 6.6FRPHFRP Holdings, Inc.QOC 6.6HGYNHong Yuan Holding GroupQOC 6.6AERTAeries Technology, IncQOC 6.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MITQ · H · MXL · FRPH · HGYN · AERT · NVDA

What Else Do Investors Ask About Atlantic American Corporation’s Valuation?

What is Atlantic American Corporation's intrinsic value in 2026?

CirclFi puts Atlantic American Corporation (AAME)'s intrinsic value at $3.71 — the median of 4 independent model estimates as of 2026-08-28, ranging from $1.03 to $4.48. The Quality of Company score is 6.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is AAME overvalued or undervalued right now?

At $1.41, 3 of 4 active models suggest AAME may be undervalued, while 1 indicate potential overvaluation. The median of all 4 fair value estimates is $3.71, 163.2% above the current price of $1.41 — a consensus view that AAME is undervalued. The assessment depends on which methodology best fits Atlantic American Corporation's business model in Insurance - Life.

What does a Quality of Company score of 6.6 mean for AAME?

Atlantic American Corporation's QOC of 6.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on AAME?

CirclFi analyzes AAME with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 4 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on AAME?

Of the 4 models currently active on AAME, FTNN Topology is the most bullish at $4.48 per share, and Earnings Power Value (EPV) is the most bearish at $1.03. CirclFi's published fair value for AAME is the median of that range, $3.71, not either extreme. The gap between the two ends equals 93% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is AAME a value trap in 2026?

Atlantic American Corporation's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 4-model valuation engine, Atlantic American Corporation (AAME) has a median fair value of $3.71 — 163.2% above the current price of $1.41 — as of 2026-08-28.” Source: circlfi.com/stock/AAME/ · Methodology
Primary sources for this AAME valuation
  • Financial statements: Atlantic American Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000008177) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for AAME as of ; valuations recomputed .

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