ACMAT (ACMT) Retained Earnings: $29.83 Mil (As of Dec. 2025)


ACMT ACMAT Corp ACMT
53 GF Score
Price $23.00
GF Value $51.54
Valuation Possible Value Trap
! 4 Warning Signs
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What is ACMAT Retained Earnings?

ACMAT ACMT 53 Retained Earnings is $29.83 Mil as of Dec. 2025. GuruFocus rates ACMT with a GF Score™ of 53/100 and a GF Value™ of $51.54 (Possible Value Trap). The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. ACMAT's retained earnings for the quarter that ended in Dec. 2025 was $29.83 Mil.

ACMAT's quarterly retained earnings declined from Dec. 2015 ($30.00 Mil) to Dec. 2024 ($29.27 Mil) but then increased from Dec. 2024 ($29.27 Mil) to Dec. 2025 ($29.83 Mil).

ACMAT's annual retained earnings declined from Dec. 2015 ($30.00 Mil) to Dec. 2024 ($29.27 Mil) but then increased from Dec. 2024 ($29.27 Mil) to Dec. 2025 ($29.83 Mil).


ACMAT  (OTCPK:ACMT) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


ACMAT Retained Earnings Historical Data

* Premium members only.

The historical data trend for ACMAT's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ACMAT Retained Earnings Chart

ACMAT Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 32.29 31.26 30.00 29.27 29.83

ACMAT Semi-Annual Data
Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 32.29 31.26 30.00 29.27 29.83
ACMT
53GF Score
ACMAT Corp ACMT
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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ACMAT Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $29.83 Mil mean?
ACMAT (ACMT) has a Retained Earnings of $29.83 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on ACMAT and its competitors.
Is ACMAT's Retained Earnings too high?
ACMAT's current Retained Earnings is $29.83 Mil. Overall, ACMAT has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does ACMAT's Retained Earnings compare to STLY and FNF?
ACMAT's Retained Earnings of $29.83 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on ACMAT and its competitors. ACMAT's current Retained Earnings is $29.83 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ACMAT stock overvalued right now?
Based on GuruFocus' analysis, ACMAT (ACMT) is currently considered Possible Value Trap. The stock's GF Value™ is $51.54, compared to a current price of $23.00 — trading 55.4% below its estimated fair value. The current Retained Earnings is $29.83 Mil. ACMAT's overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For ACMAT (ACMT), the current Retained Earnings is $29.83 Mil as of Dec. 2025. 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 ACMAT (ACMT) Overvalued in 2026?

Based on GuruFocus' analysis, ACMAT stock appears to be undervalued. The current stock price of $23.00 is trading 55.4% below its estimated GF Value™ of $51.54. GuruFocus considers ACMAT to be Possible Value Trap.

Key valuation signals for ACMT:

  • Retained Earnings: $29.83 Mil
  • GF Value™: $51.54 vs. price of $23.00 (55.4% below fair value)
  • GF Score™: 53/100 with 4 warning signs

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


ACMAT Business Description

Other Exchanges ACMTA:USA
Address 30 South Road, Farmington, CT, USA, 06032-2418
ACMAT Corp, through its wholly-owned subsidiary, markets surety products throughout the United States. It offers surety bonds for almost all classifications of construction contractors, and also provides other miscellaneous sureties such as workers' compensation bonds, supply bonds, subdivision bonds, and license and permit bonds.
53GF Score

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

$23.00
Price
$51.54
GF Value