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AMSF stock logo

AMSF

AMERISAFE, Inc.

$32.97
0.4
 (1.23%)
Exchange:  NASDAQ
Market Cap:  623.937M
Shares Outstanding:  22.143M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Specialty
   
CEO:  Gerry Janelle Frost
Full Time Employees:  362
Address: 
2301 Highway 190 West
Deridder
LA
70634
US
Website:  https://www.amerisafe.com
AMERISAFE, Inc., an insurance holding company, underwrites workers’ compensation insurance in the United States. The company’s workers’ compensation insurance policies provide benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. It serves small to mid-sized employers engaged in hazardous industries, including construction, trucking, logging and lumber, agriculture, manufacturing, telecommunications, and maritime. The company was incorporated in 1985 and is based in DeRidder, Louisiana.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/02/26 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue306,910309,109317,252
Gross Profit306,910128,092147,315
EBITDA070,14959,593
Operating Income77,37769,05658,851
Net Income62,10855,43647,145

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,229,1621,157,791222,870
Total Liabilities936,711900,450-907,674
Total Stockholders Equity292,451257,3411,130,544
Total Debt2674280
Cash and Cash Equivalents38,68244,04561,926

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow29,84224,19011,070
Capital Expenditure-553-840-2,148
Free Cash Flow29,28923,3508,922
Net Income62,10855,43647,145
Net Change in Cash-22,7875,36317,881

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)354,188.428Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)368,002.571Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)361,095.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)63,994.666Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)66,490.602Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)65,242.634Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)39,203.690Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)42,144.057Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)39,464.500Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)25,724.454Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)26,727.766Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)26,226.110Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.140Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.210Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.050Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
309.043M  ?P/S
 (TTM)
: 
2.03
?Net Income
 (TTM)
: 
55.436M  ?P/E
 (TTM)
: 
13.6
?Enterprise Value
 (TTM)
: 
581.995M  ?EV/FCF
 (TTM)
: 
65.23
?Dividend Yield
 (TTM)
: 
0.08  ?Payout Ratio
 (TTM)
: 
1.03
?ROE
 (TTM)
: 
0.18  ?ROIC
 (TTM)
: 
0.14
?Net Debt
 (TTM)
: 
-43617000  ?Debt/Equity
 (TTM)
: 
0
?P/B
 (TTM)
: 
2.55  ?Current Ratio
 (TTM)
: 
0.32

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
15.05Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates AMSF intrinsic value between $17.93 – $35.35 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate AMSF Intrinsic Value

Common questions about AMSF valuation

Is AMERISAFE, Inc. (AMSF) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for AMERISAFE, Inc. (AMSF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is AMSF a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether AMSF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is AMSF’s P/E ratio?

You can see AMSF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for AMSF?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is AMSF a good long-term investment?

Whether AMSF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

AMSF

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.23
MARKETSnap

Trading Metrics:

Open: 32.42   Previous Close: 32.57
Day Low: 32.37   Day High: 33.03
Year Low: 32   Year High: 52.73
Price Avg 50: 35.47   Price Avg 200: 40.55
Volume: 237992   Average Volume: 192924

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See in Nexus

Relevant news

AMERISAFE Appoints New Chief Financial Officer
16-04-2026 16:05
AMERISAFE Appoints New Chief Financial Officer
AMERISAFE Announces 2026 First Quarter Earnings Release and Conference Call Schedule
02-04-2026 16:30
AMERISAFE Announces 2026 First Quarter Earnings Release and Conference Call Schedule
Why Is Amerisafe (AMSF) Down 1.9% Since Last Earnings Report?
27-03-2026 12:32
Why Is Amerisafe (AMSF) Down 1.9% Since Last Earnings Report?
AMSF Misses on Q4 Earnings Despite Rising Premiums, Hikes Dividend
26-02-2026 13:01
AMSF Misses on Q4 Earnings Despite Rising Premiums, Hikes Dividend
Amerisafe (AMSF) Q4 Earnings Miss Estimates
25-02-2026 20:25
Amerisafe (AMSF) Q4 Earnings Miss Estimates
AMERISAFE Announces 2025 Fourth Quarter and Full Year Earnings Release and Conference Call Schedule
12-01-2026 16:05
AMERISAFE Announces 2025 Fourth Quarter and Full Year Earnings Release and Conference Call Schedule

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