AAME (Atlantic American) Moat Score: 3/10 (As of Jul. 02, 2026)


AAME Atlantic American Corp AAME
61 GF Score
Price $1.71
GF Value $2.04
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Atlantic American Moat Score?

Atlantic American AAME +1.79% 61 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates AAME with a GF Score™ of 61/100 and a GF Value™ of $2.04 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 599 Insurance companies, Atlantic American ranks better than 72.62% on this metric.

Atlantic American has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Atlantic American has No Moat: Atlantic American Corp has very weak competitive advantages with limited market leadership and brand strength. It lacks significant regulatory barriers or customer switching costs, resulting in a transient moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Atlantic American might have No Moat - Very weak/transient advantages.

Atlantic American  (NAS:AAME) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Atlantic American Moat Score Related Terms

AAME vs UTGN, AFL, MET: Moat Score Comparison

For the Insurance - Life subindustry, Atlantic American's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Atlantic American Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Atlantic American's Moat Score distribution charts can be found below:

* The bar in red indicates where Atlantic American's Moat Score falls into.


AAME
61GF Score
Atlantic American Corp AAME
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Atlantic American (AAME) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Atlantic American ranks #164 out of 599 companies in the Insurance industry, placing it in the top 27.4%.
Is Atlantic American's Moat Score too high?
Atlantic American's current Moat Score is 3. Based on the distribution chart, Atlantic American ranks #164 out of 599 companies in the Insurance industry, which is above the industry midpoint. Overall, Atlantic American has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic American's Moat Score compare to UTGN and AFL?
According to the Insurance industry distribution chart, Atlantic American ranks #164 out of 599 companies for Moat Score. This puts Atlantic American in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Atlantic American's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlantic American stock overvalued right now?
Based on GuruFocus' analysis, Atlantic American (AAME) is currently considered Modestly Undervalued. The stock's GF Value™ is $2.04, compared to a current price of $1.71 — trading 16.2% below its estimated fair value. The current Moat Score is 3. Atlantic American's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Atlantic American (AAME), the current Moat Score is 3 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Atlantic American (AAME) Overvalued in 2026?

Based on GuruFocus' analysis, Atlantic American stock appears to be undervalued. The current stock price of $1.71 is trading 16.2% below its estimated GF Value™ of $2.04. GuruFocus considers Atlantic American to be Modestly Undervalued.

Key valuation signals for AAME:

  • Moat Score: 3
  • GF Value™: $2.04 vs. price of $1.71 (16.2% below fair value)
  • GF Score™: 61/100 with 2 warning signs

No single metric tells the full story. See the AAME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Atlantic American Business Description

Address 4370 Peachtree Road, North East, Atlanta, GA, USA, 30319
Atlantic American Corp operates in specialty markets within the life and health and property and casualty insurance industries. The company has two segments: American Southern, It provides property and casualty insurance including bodily injury and property damage liability coverage, uninsured motorist coverage, and physical damage coverage for commercial accounts, and Bankers Fidelity, the company's life and health operations offer a variety of life and supplemental health products including ordinary and term life insurance, Medicare supplement, and other health insurance.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.71
Price
$2.04
GF Value