AMSF
AMERISAFE INC
Next earnings Jul 22, 2026 · consensus $0.53 EPS, $84.8M rev
Last earnings -9.6% on 2026-04-22
$33.75
▲ +6.03%$33.75▼ -16.76%
over 1Y
L $29.22EODHDH $44.04
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+6.0%
1W+7.5%
1M+10.8%
3M+4.5%
YTD-7.9%
1Y-16.8%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Buy
Healthy net margin (14.9%).
The read
Middling fundamentals and a rich price (~32% above fair value) leave little margin of safety — a wait-and-see.
AMERISAFE INC shows $317M in FY2025 revenue (+2.7% YoY), a 14.9% net margin, and 18.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $316M | $295M | $307M | $309M | $317M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $65.8M | $55.6M | $62.1M | $55.4M | $47.1M |
| Diluted EPS | $3.39 | $2.88 | $3.23 | $2.89 | $2.47 |
| Net margin | 20.8% | 18.9% | 20.2% | 17.9% | 14.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF71.1
PEG (trailing)—
Earnings yield7.4%
FCF yield1.4%
Quality & risk
ROIC (est.)—
Free cash flow$8.92M
Total debt—
Net cash$61.9M
Piotroski F-Score4/6
Capital returns
Buyback yield0.3%
Dividend yield (est.)7.7%
Shareholder yield8.0%
Shares Δ YoY-1.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗8-KPeriod ending 2026-06-102026-06-12open ↗4Period ending 2026-05-072026-05-11open ↗4Period ending 2026-05-072026-05-11open ↗3Period ending 2026-05-072026-05-07open ↗SCHEDULE 13GFiling2026-04-29open ↗
Frequently asked
- Is AMERISAFE INC (AMSF) a buy?
- AMSF currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Healthy net margin (14.9%).
- What is AMSF's fair value?
- A Modified-Graham model based on AMSF's SEC fundamentals estimates a fair value of about $23.09. It is an estimate from reported earnings, not a price target.
- Is AMSF overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, AMSF currently appears overvalued relative to its SEC-grounded earnings power.
- What is AMERISAFE INC's quality score?
- AMSF scores 72.1470588235294/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001018979, latest 10-Q filed 2026-04-23) · EODHD · as of 6/26/2026, 7:42:54 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.