What is AMERISAFE, Inc.'s (AMSF) StockRank?

MoatMap's StockRank for AMERISAFE, Inc. (AMSF) is 26/100, with a Sell signal. This is a composite score combining Quality (56), Value (44), and Momentum (16) factor ranks across MoatMap's 19,000+ stock universe.

Does AMERISAFE, Inc. have an economic moat?

AMERISAFE, Inc. (AMSF) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is AMERISAFE, Inc. a buy, hold, or sell?

MoatMap's current signal for AMERISAFE, Inc. (AMSF) is Sell, based on a StockRank of 26/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is AMERISAFE, Inc. in?

AMERISAFE, Inc. (AMSF) operates in the Financial Services sector, specifically the Insurance - Specialty industry (United States).

Company Deep Dive

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AMSF

SELLREMOVE

AMERISAFE, Inc. · Financial Services · United States · $572M · Avg Vol: $7M/d

StockRank

P/E (TTM)

13.0x

ROE

18.3%

D/E

—

Dividend %

5.0%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

AMERISAFE is a specialty workers' compensation insurance provider. It is a niche financial business that does not align with any of our active 18-month macro themes and lacks the structural growth runway required for our concentrated book.

COMPANY DESCRIPTION

AMERISAFE, Inc. specializes in providing workers' compensation insurance for small to mid-sized employers operating in high-hazard industries across the United States. The company distinguishes itself through a disciplined underwriting approach and extensive loss control services tailored to inherently riskier occupations, allowing it to maintain a strong market position within this niche. This focused strategy enables AMERISAFE to achieve competitive loss ratios and serve an often-underserved segment.

FINANCIAL SUMMARY

Year	2022	2023	2024	2025	CAGR
Revenue	295M	307M	309M	317M	2.5%
EPS	2.89	3.24	2.91	2.48	-5.0%
Shares	21M	21M	21M	21M	+0.4%
Debt	952M	937M	900M	879M	-2.6%
Equity	317M	292M	257M	252M	-7.5%
Op CF	28M	30M	24M	11M	-26.8%
Inv CF	75M	44M	72M	68M	—
Fin CF	-113M	-97M	-91M	-62M	—

PRICE (1M)+4.5%

SMA 50SMA 200

$31.53

RSI (14)

58.7

52W High

$44.61

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC (ROA)

3.2%*68.1

ROE

18.3%81.4

GP/Assets

8.1%68.3

Op. Margin

12.7%29.6

FCF/Assets

2.0%45.5

Piotroski

—67.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

1.92x53.5

Value

P/E (TTM)

13.0x49.5

EV/EBITDA

9.0x39.9

P/FCF

25.4x25.2

P/B

2.4x16.5

P/S

1.8x75.4

Div Yield

5.0%74.1

Momentum

52W High %

71%16.6

RS 6M

-23%18.5

SMA 50/200

0.86x8.7

EPS Rev 4W

—N/A

EPS Rev 12W

-6.4%38.5

EPS Improve

-14%14.0

Q Growth

-9%21.5

FUNDAMENTALS

Market Cap

$572M

P/E (Forward)

15.1x

Gross Margin

28.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of AMSF are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
AMSF	AMERISAFE, Inc.(you)	$572M	26	SELL
TIPT	Tiptree Inc.	$656M	25	SELL
EIG	Employers Holdings, Inc.	$789M	38	HOLD
MBI	MBIA Inc.	$301M	37	HOLD
OSG	Octave Specialty Group, Inc.	$248M	40	HOLD
JRVR	James River Group Holdings, Inc.	$182M	46	HOLD
ITIC	Investors Title Company	$450M	72	BUY
RYAN	Ryan Specialty Holdings, Inc.	$8.4B	20	STRONG SELL
NMIH	NMI Holdings, Inc.	$2.8B	80	BUY
RDN	Radian Group Inc.	$4.6B	79	BUY

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

AMERISAFE, Inc. (AMSF) — Stock Score Summary

AMERISAFE, Inc. (AMSF) has a MoatMap StockRank of 26/100 based on Quality (56/100), Value (44/100), and Momentum (16/100) factor scores. The current signal is SELL. AMERISAFE is a specialty workers' compensation insurance provider. It is a niche financial business that does not align with any of our active 18-month macro themes and lacks the structural growth runway required for our concentrated book.

Key Financial Metrics

Price	$31.53
Market Cap	$572M
P/E (TTM)	12.98
P/E (Forward)	15.13
Price/Book	2.39
Return on Equity	18.3%
Gross Margin	28.0%
Operating Margin	12.7%
Revenue Growth	10.3%
Dividend Yield	5.0%
Free Cash Flow	$22M

AMERISAFE, Inc. operates in the Insurance - Specialty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is AMERISAFE, Inc.’s (AMSF) StockRank?: MoatMap’s StockRank for AMERISAFE, Inc. (AMSF) is 26/100, with a Sell signal. It is a composite of Quality (56), Value (44), and Momentum (16) factor ranks across MoatMap’s 19,000+ stock universe.
Does AMERISAFE, Inc. have an economic moat?: AMERISAFE, Inc. (AMSF) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is AMERISAFE, Inc. a buy, hold, or sell?: MoatMap’s current signal for AMERISAFE, Inc. (AMSF) is Sell, based on a StockRank of 26/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is AMERISAFE, Inc. in?: AMERISAFE, Inc. (AMSF) operates in the Financial Services sector, specifically the Insurance - Specialty industry (United States).