Atlantic American Corporation (AAME) Fair Value 2026

AAME · Insurance - Life ·

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

Quality Score

7.5 /10

32 fundamental signals · 11 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-07-14, Atlantic American Corporation (AAME) trades at $1.63, approximately 60% below CirclFi’s Bayesian DCF fair value of $4.03. QOC: 7.5/10. Value Trap Risk: 12/100 (SAFE). 11/13 models active.

Key Facts

Ticker
AAME
Price
$1.63
Quality Score
7.5/10
Value Trap Risk
12/100
Models Active
11/13
Last Updated
Strength: Bayesian DCF suggests +147.5% upside with 57% confidence
Risk: Limited model coverage (11/13) may reduce confidence

Valuation Matrix

11 Intrinsic Value Models vs. Current Price ($1.63)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$4.03 +147.5%
Earnings Power Value
High Conviction
$1.41 -13.6%
CUCE Ensemble
Low Conviction
$3.33 +104.4%
First Chicago
Medium Conviction
$3.31 +103.3%

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

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Atlantic American Corporation at $1.63. With an estimated intrinsic value of $2.83 and 8 of 11 models pointing higher, the average implied return is +73.4%. The most optimistic model, RCMH-DCF, places fair value at $5.05 (+209.8%), while Markov DDM — the most conservative — estimates $0.21 (-87.1%). This +296.9% gap reflects genuine analytical uncertainty about Atlantic American Corporation's intrinsic worth.

What Do the Models Say About AAME?

11 of 13 models are currently active for AAME. Of these, 9 models suggest upside while 2 models suggest overvaluation. The Bayesian DCF estimates AAME's intrinsic value at $4.03, implying +147.5% upside from the current price. See which stocks rank higher →

How Does AAME Rank in Insurance - Life?

Among 3 Insurance - Life stocks, AAME ranks #2 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 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 12/100 (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

11 of 13 models are active for Atlantic American Corporation. Broad coverage provides high confidence. 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 7.5/10. 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 +296.9% — 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 11 active models, average confidence is 40%. 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?

2 related Insurance - Life stocks with 13-model coverage

Read investment analysis: AFL · ABX

Frequently Asked Questions About Atlantic American Corporation

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

Based on CirclFi's 13-model analysis, Atlantic American Corporation (AAME) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $4.03. The Quality of Company score is 7.5/10 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 $1.63, 9 of 11 active models suggest AAME may be undervalued, while 2 indicate potential overvaluation. 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 7.5 mean for AAME?

Atlantic American Corporation's QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

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 11 of 13 are active for this stock. Read the full methodology →

Is AAME a value trap in 2026?

Atlantic American Corporation's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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