ACMAT Corporation (ACMT)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
ACMAT Corporation (ACMT) trades at $23.00 with AI Score 49/100 (Grade C). ACMAT Corporation is a Farmington, Connecticut-based holding company founded in 1950, primarily providing surety bonds for construction contractors across the United States. Market cap: $29.77M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for ACMT: ACMT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ACMT against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ACMT: the 1 perspectives are evenly split.
How is this calculated? →ACMAT Corporation (ACMT) Financial Services Profile
ACMAT Corporation specializes in providing a comprehensive range of surety bonds for construction contractors and miscellaneous obligations across the U.S., leveraging its long operational history since 1950. The company also maintains diversified holdings in real estate and investments, positioning it within the specialty financial services sector.
What Is the Investment Thesis for ACMT?
ACMAT Corporation presents a unique profile within the financial services sector, primarily driven by its specialized surety bond business and diversified holdings. With a gross margin of 97.9% and a profit margin of 12.2%, the company demonstrates strong operational efficiency in its core offerings. The P/E ratio of 46.92 indicates a market valuation that may reflect expectations for future earnings or the stability of its niche market. As a provider of essential surety bonds for the construction industry, ACMAT is positioned to benefit from ongoing infrastructure spending and general construction activity in the U.S. The company's long operating history since 1950 suggests established client relationships and expertise in a highly regulated segment. Additionally, its status as a holding company with interests in real estate and investments provides potential resilience and alternative value drivers beyond its primary surety operations. However, the company's small market capitalization of $29.77M and its trading on the OTC Other tier introduce considerations regarding liquidity, disclosure, and potential volatility, which investors must factor into their analysis. The low Beta of 0.03 suggests minimal correlation with broader market movements, potentially appealing to investors seeking stability, though it may also indicate limited growth sensitivity to overall economic expansion.
Based on FMP financials and quantitative analysis
ACMT Key Highlights
- Gross Margin of 97.9% demonstrates exceptional efficiency in its core surety bond operations, significantly exceeding typical financial services benchmarks.
- Profit Margin of 12.2% indicates solid profitability derived from its specialized insurance and diversified holdings.
- Market Capitalization stands at $0.04 billion, positioning ACMAT as a micro-cap entity within the financial services sector.
- Price-to-Earnings (P/E) ratio of 46.92 suggests market expectations for future earnings growth or a premium for its niche market position and operational stability.
- Beta of 0.03 indicates very low volatility relative to the broader market, potentially appealing to investors seeking stable, uncorrelated assets.
Who Are ACMT's Competitors?
ACMT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RYAN Ryan Specialty Group Holdings, Inc. | $41.35 | -1.62% | $5.35B | 68 |
| FAF First American Financial Corporation | $70.10 | +0.89% | $7.14B | 62 |
| LCSHF Lancashire Holdings Limited | $8.40 | +0.00% | $2.04B | 58 |
| ACMTA ACMAT Corporation | $18.29 | +0.00% | $14.10M | 55 |
| AMSF AMERISAFE, Inc. | $34.79 | -0.58% | $650.63M | 50 |
| SNC State National Companies, Inc. | $21.02 | +0.14% | 50 | |
| ESNT Essent Group Ltd. | $64.49 | -0.56% | $5.94B | 50 |
| TIG Trean Insurance Group, Inc. | $6.16 | +0.00% | 48 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ACMT's Key Strengths?
- Long operational history since 1950, indicating deep industry experience and established relationships.
- High gross margin of 97.9% suggests efficient underwriting and strong pricing power in its niche.
- Specialized focus on construction and environmental surety bonds caters to a consistent demand.
- Diversified holdings in real estate and investments provide potential resilience and additional asset value.
What Are ACMT's Weaknesses?
- Small market capitalization of $29.77M may limit access to capital and market visibility.
- Trading on the OTC Other tier implies less stringent disclosure requirements and potentially lower liquidity.
- Reliance on the cyclical construction industry for its core surety bond business.
- Limited public information available regarding specific operational details of its diversified holdings.
What Could Drive ACMT Stock Higher?
- Increased Infrastructure Spending: Government initiatives and private sector investments in infrastructure projects across the U.S. are expected to drive demand for construction-related surety bonds, directly benefiting ACMAT's core business.
- Diversification Strategy Performance: Continued successful management and growth of ACMAT's diversified holdings in real estate and investments could provide stable alternative revenue streams and enhance overall corporate value, reducing reliance on the surety market's cyclicality.
- Market Penetration in Specialty Surety: Focused efforts to expand market share in niche surety segments, such as environmental or specialty trade contractor bonds, could lead to increased policy issuance and premium growth.
- Operational Efficiency Improvements: Any initiatives to streamline underwriting processes or adopt new technologies could enhance profitability by reducing costs and improving service delivery, positively impacting financial performance.
What Are the Key Risks for ACMT?
- Economic Downturn in Construction: A significant slowdown in the U.S. construction sector due to economic recession or rising interest rates could reduce demand for surety bonds, negatively impacting ACMAT's core revenue.
- OTC Market Liquidity and Volatility: The company's trading on the OTC Other tier exposes investors to risks of low trading volume, wide bid-ask spreads, and potential price volatility, making it challenging to execute trades efficiently.
- Regulatory Changes in Surety Market: New or stricter regulations for surety bond providers could increase compliance costs, capital requirements, or limit underwriting capacity, affecting profitability.
- Competition from Larger Insurers: ACMAT faces competition from larger, more capitalized insurance companies that may offer a broader range of products or more aggressive pricing, potentially eroding market share.
- Limited Public Disclosure: The unknown disclosure status and less stringent reporting requirements of the OTC Other tier may limit the availability of critical financial and operational information, increasing investment risk.
What Are the Growth Opportunities for ACMT?
- Expansion in Specialized Construction Surety: The ongoing demand for infrastructure development and commercial construction across the United States presents a significant growth avenue for ACMAT. By deepening its penetration in niche areas like environmental, asbestos, and lead abatement contractor bonds, ACMAT can capitalize on specialized regulatory requirements and project complexities. The U.S. construction market is projected to grow, driven by government spending on infrastructure and private sector investments. ACMAT's expertise in these specific bond types allows it to serve a less commoditized segment, potentially commanding better pricing and fostering stronger client relationships. This strategy focuses on leveraging existing strengths in a growing, specialized market segment.
- Diversification into Broader Miscellaneous Surety Offerings: While construction surety is core, expanding the reach and market share of its miscellaneous surety bonds, such as workers' compensation, supply, subdivision, and license and permit bonds, offers substantial growth. These bonds cater to a wider array of businesses and regulatory needs beyond just construction. The market for these types of bonds is stable, driven by ongoing business operations and compliance requirements across various industries. By actively marketing and expanding its underwriting capacity for these diverse obligations, ACMAT can tap into new revenue streams and reduce its reliance on the cyclical nature of the construction sector, broadening its client base and enhancing revenue stability over time.
- Leveraging Diversified Holdings for Capital Allocation: As a holding company with interests in real estate and investments, ACMAT has an opportunity to strategically allocate capital to optimize returns and support its core surety operations. Prudent management of these diversified assets can generate additional income streams, enhance overall corporate financial strength, and provide capital for underwriting growth in the surety segment. This approach allows ACMAT to benefit from market appreciation in its investment portfolio while maintaining a strong balance sheet to support its insurance liabilities. Effective capital deployment across its various holdings can contribute to long-term shareholder value and provide a buffer against market fluctuations.
- Geographic Market Penetration and Distribution Channel Enhancement: Although ACMAT primarily serves the U.S. market, there is an ongoing opportunity to deepen its market penetration in underserved regions or expand its network of independent agents and brokers. By investing in robust distribution channels and regional marketing efforts, ACMAT can reach a broader base of contractors and businesses requiring surety bonds. This could involve forming new partnerships, utilizing digital platforms for bond issuance, or establishing a stronger local presence in key growth markets. Expanding its geographic footprint and optimizing its distribution strategy can lead to increased policy volume and market share, driving revenue growth over the next 3-5 years.
- Operational Efficiency and Technology Adoption: Implementing advanced underwriting technologies and streamlining operational processes can significantly enhance ACMAT's profitability and competitive edge. Automation in bond application processing, risk assessment, and claims management can reduce administrative costs, improve turnaround times, and allow for more precise risk pricing. Investing in data analytics can provide deeper insights into market trends and client behavior, enabling more informed strategic decisions. Such technological advancements can lead to higher gross margins by optimizing resource utilization and improving the overall customer experience, positioning ACMAT for sustainable growth in a competitive financial services landscape over the medium term.
What Opportunities Does ACMT Have?
- Growth in U.S. infrastructure spending and construction activity driving demand for surety bonds.
- Expansion into new geographic markets or underserved segments within the surety bond industry.
- Leveraging its holding company structure to optimize returns from real estate and investment portfolios.
- Adoption of technology to enhance underwriting efficiency and customer experience in bond issuance.
What Threats Does ACMT Face?
- Economic downturns or slowdowns in the construction sector impacting demand for surety bonds.
- Increased competition from larger, more diversified insurance carriers entering niche surety markets.
- Changes in regulatory requirements or capital standards for surety providers.
- Risks associated with OTC trading, including potential for price volatility and difficulty in share liquidation.
What Are ACMT's Competitive Advantages?
- Specialized expertise in underwriting complex surety bonds for niche construction segments, built over 70+ years.
- Established relationships and reputation within the construction and regulatory communities.
- Regulatory barriers to entry in the surety bond market, requiring specific licenses and capital reserves.
- Diversified holdings as a holding company potentially provide financial stability and alternative revenue streams.
What Does ACMT Do?
ACMAT Corporation, established in 1950 and headquartered in Farmington, Connecticut, operates as a holding company with a primary focus on providing surety bonds. Through its subsidiaries, ACMAT serves a diverse client base of construction contractors throughout the United States, offering essential financial guarantees for various projects. The company's core product offerings include surety bonds tailored for prime contractors, sub-prime contractors, specialty trade contractors, and those involved in environmental, asbestos, and lead abatement projects. This specialized focus addresses critical needs within the construction industry, ensuring project completion and financial integrity for clients and project owners alike. Beyond its core construction-related surety offerings, ACMAT Corporation also provides a range of miscellaneous surety bonds, encompassing obligations such as workers' compensation, supply agreements, subdivision developments, and various license and permit requirements. This broad spectrum of surety products underscores the company's deep expertise and long-standing presence in the specialty insurance market. Furthermore, ACMAT Corporation's strategic profile includes interests in diverse sectors, notably real estate and investments, as a holding company. This diversification potentially offers a degree of resilience against downturns in any single sector, complementing its established surety bond operations. The company's evolution since its founding reflects a sustained commitment to specialized financial services, adapting to market demands while maintaining its core competencies in risk management and financial guarantees.
What Products and Services Does ACMT Offer?
- Provides surety bonds primarily for construction contractors in the United States.
- Offers bonds for prime, sub-prime, and specialty trade contractors.
- Specializes in surety bonds for environmental, asbestos, and lead abatement contractors.
- Provides miscellaneous surety obligations including workers' compensation bonds.
- Offers supply bonds for various contractual agreements.
- Issues subdivision bonds for real estate development projects.
- Provides license and permit bonds required for business operations.
- Operates as a holding company with diversified interests in real estate and investments.
How Does ACMT Make Money?
- Generates revenue by underwriting and issuing surety bonds, collecting premiums from clients.
- Assumes financial risk on behalf of clients, guaranteeing their contractual obligations to third parties.
- Invests premiums and capital to generate investment income, contributing to overall profitability.
- Manages a diversified portfolio of real estate and other investments as a holding company, providing additional income streams and asset value.
What Industry Does ACMT Operate In?
ACMAT Corporation operates within the specialized segment of the financial services sector, specifically focusing on the surety bond industry. This niche market is characterized by providing financial guarantees for contractual obligations, predominantly for construction projects. The demand for surety bonds is intrinsically linked to construction spending, infrastructure development, and regulatory requirements that mandate such guarantees for public and private projects. ACMAT's long-standing presence since 1950 positions it as an experienced player in this sector, competing with larger insurance carriers and other specialty bond providers. The industry is subject to economic cycles affecting construction, interest rate fluctuations, and regulatory oversight. ACMAT's focus on prime, sub-prime, specialty trade, and environmental contractors allows it to carve out specific market segments, while its diversified holdings as a holding company offer a broader financial footprint beyond traditional surety operations, potentially mitigating some industry-specific risks.
Who Are ACMT's Key Customers?
- Prime construction contractors undertaking large-scale projects.
- Sub-prime and specialty trade contractors requiring specific project guarantees.
- Environmental, asbestos, and lead abatement contractors facing specialized regulatory requirements.
- Businesses requiring workers' compensation, supply, subdivision, and license/permit bonds for compliance and operations.
F-Score 4/9Financial Health
ACMAT Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.90 places it in the grey zone, a middle ground that warrants monitoring.
Quarterly Financial Performance: ACMAT Corporation
Revenue for ACMAT Corporation came in at $659K during Q1 2026, a 16.7% improvement versus the preceding quarter. The company recorded a net loss of $180K, with diluted EPS of $-0.23. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, ACMT averaged $0.13 in diluted EPS.
ACMT Valuation & Market Position
With a $29.77M market cap, ACMAT Corporation sits in the micro-cap segment of the market. Relative to its peer group, ACMT's quantitative score of 49/100 is roughly in line with the peer average of 59/100.
ROE 1%Key Financial Metrics
Return on equity for ACMAT Corporation stands at 1.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. ACMT trades at a trailing price-to-earnings ratio of 46.92, above the Financial Services sector average of ~18x. Its free cash flow yield is -14.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.1%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
ACMAT Corporation operates in the Insurance - Specialty industry within the Financial Services sector. It is headquartered in Farmington, US. The company is led by CEO Henry Walter Nozko Jr.. ACMT has traded publicly since 2010.
ACMT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long operational history since 1950, indicating deep industry experience and established relationships.
- High gross margin of 97.9% suggests efficient underwriting and strong pricing power in its niche.
- Specialized focus on construction and environmental surety bonds caters to a consistent demand.
- Diversified holdings in real estate and investments provide potential resilience and additional asset value.
Bear Case
- Small market capitalization of $29.77M may limit access to capital and market visibility.
- Trading on the OTC Other tier implies less stringent disclosure requirements and potentially lower liquidity.
- Reliance on the cyclical construction industry for its core surety bond business.
- Limited public information available regarding specific operational details of its diversified holdings.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $658,789 | -$180,127 | -$0.23 |
| Q4 2025 | $564,708 | $220,629 | $0.29 |
| Q3 2025 | $1M | $305,697 | $0.40 |
| Q2 2025 | $840,227 | $31,762 | $0.04 |
Based on FMP financials and quantitative analysis
ACMT Latest News
No recent news available for ACMT.
ACMT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ACMT.
Price Targets
Wall Street price target analysis for ACMT.
ACMT MoonshotScore
What does this score mean?
The MoonshotScore rates ACMT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Henry Walter Nozko Jr.
CEO
The specific career history, education, and previous roles of Henry Walter Nozko Jr. are not provided in the available source data. His background is understood to be within the leadership of ACMAT Corporation, contributing to its strategic direction and operational oversight. Further details regarding his professional journey prior to his current role are unknown.
Track Record: Specific achievements, strategic decisions, or company milestones directly attributable to Henry Walter Nozko Jr.'s leadership are not detailed in the provided source information. His track record is associated with the ongoing management and operational continuity of ACMAT Corporation, overseeing its activities in surety bonds and diversified holdings. Details on key initiatives under his tenure are unknown.
ACMT OTC Market Information
ACMAT Corporation trades on the OTC Other tier, which is the lowest of the three primary tiers on the OTC Markets Group platform. Unlike companies listed on major exchanges like NYSE or NASDAQ, which have stringent listing requirements regarding financial health, corporate governance, and minimum share price, companies on the OTC Other tier face less rigorous standards. This tier typically includes companies that do not meet the disclosure requirements for OTCQX or OTCQB, or choose not to provide them. Trading on this tier often means less publicly available information, which can make comprehensive due diligence more challenging for investors compared to exchange-listed securities.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Disclosure: Companies on the OTC Other tier may have less stringent reporting requirements, leading to a lack of comprehensive and timely financial or operational information.
- Low Liquidity: Reduced trading volume can make it difficult to buy or sell shares quickly without significantly impacting the stock price, leading to wider bid-ask spreads.
- Price Volatility: Less analyst coverage, limited institutional interest, and lower trading volumes can contribute to greater price fluctuations and potential for manipulation.
- Lack of Transparency: The absence of robust regulatory oversight compared to major exchanges can create challenges in assessing the true financial health and operational integrity of the company.
- Investment Scrutiny: Companies on this tier often face increased scrutiny from regulators and investors due to the less stringent listing requirements, potentially impacting investor confidence.
- Verify the company's most recent financial statements and annual reports, if available, directly from the company or OTC Markets Group.
- Research management's background, experience, and track record, seeking information beyond what is publicly stated.
- Thoroughly understand the company's business model, revenue streams, and competitive landscape in detail.
- Assess the trading volume and bid-ask spread to understand potential liquidity challenges before investing.
- Examine any regulatory filings or news releases to identify ongoing legal issues, compliance concerns, or strategic developments.
- Evaluate the company's long-term viability and growth prospects, considering its niche market and diversified holdings.
- Consult independent financial advisors experienced with OTC markets to gain a broader perspective on the investment.
- Established Founding Date: Founded in 1950, indicating a long operational history and sustained presence in the market.
- Specific Business Niche: Clear focus on providing surety bonds for construction contractors and miscellaneous obligations.
- Headquarters in Farmington, US: A physical presence in a recognized business jurisdiction.
- Identified CEO: A named individual leading the company, providing a point of accountability.
ACMAT Corporation Financial Services Stock: Key Questions Answered
What does ACMAT Corporation do?
ACMAT Corporation, established in 1950, primarily operates as a holding company with a core business in providing surety bonds across the United States. Its main focus is on serving construction contractors, offering specialized bonds for prime, sub-prime, specialty trade, environmental, asbestos, and lead abatement projects. Beyond construction, ACMAT also provides miscellaneous surety bonds, which include workers' compensation, supply, subdivision, and license and permit obligations. Additionally, as a holding company, ACMAT maintains interests in diverse sectors such as real estate and various investments, aiming to build a resilient financial profile through a combination of its specialized insurance services and diversified asset management.
What regulatory challenges does ACMAT Corporation face in the surety bond market?
Operating within the financial services sector, specifically in specialty insurance, ACMAT Corporation is subject to a complex web of state and federal regulations governing the surety bond industry. These regulations typically dictate capital requirements, underwriting standards, claims handling procedures, and licensing for surety providers. Compliance with these rules is critical and can incur significant operational costs. Changes in regulatory frameworks, such as increased capital reserve mandates or stricter consumer protection laws, could impact ACMAT's profitability and operational flexibility. Furthermore, the company's diversified holdings may also fall under additional regulatory scrutiny depending on the nature of those investments, adding layers of compliance complexity and potential costs.
How does ACMAT Corporation generate revenue in the financial services sector?
ACMAT Corporation generates its primary revenue through the underwriting and issuance of surety bonds. When the company issues a bond, it collects a premium from the client (the principal) in exchange for guaranteeing their contractual obligations to a third party (the obligee). These premiums form a significant portion of its income. Beyond this, as a holding company, ACMAT also generates revenue from its diversified interests in real estate and investments. This includes income from property rentals, capital gains from asset sales, and returns from its investment portfolio. This multi-faceted revenue model, combining specialized insurance premiums with investment income, contributes to its overall financial performance and provides potential resilience across different economic conditions.
What are the main risks for ACMT, particularly as an OTC stock?
ACMT faces several key risks, exacerbated by its trading on the OTC Other tier. A primary concern is the potential for low liquidity and high price volatility characteristic of OTC markets, making it difficult for investors to buy or sell shares efficiently. The 'Unknown' disclosure status implies less stringent financial reporting, which can hinder comprehensive due diligence and increase information asymmetry. Operationally, ACMT's core surety bond business is susceptible to economic downturns, particularly in the construction sector, which could reduce demand for its services. Furthermore, as a smaller player, it faces intense competition from larger, more established insurance carriers. Regulatory changes in the surety market or adverse developments in its diversified real estate and investment holdings also pose significant financial risks.
What are the key factors to evaluate for ACMT?
ACMAT Corporation (ACMT) holds an AI score of 49/100 (low). Not financial advice.
How frequently does ACMT data refresh on this page?
ACMT prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ACMT's recent stock price performance?
ACMAT Corporation (ACMT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long operational history since 1950, indicating deep industry experience and established relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ACMT overvalued or undervalued right now?
Valuing ACMAT Corporation (ACMT) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information regarding CEO background, track record, and tenure years is not provided in the source data and is marked as 'Unknown' or 'null'.
- No FMP PEER TICKERS were provided, so the 'competitors' array is empty.
- Specific details on the 'diverse sectors' of holdings (beyond real estate and investments) mentioned in the AI Insight are not elaborated in the source, so general terms are used.
- The 'AI Insight' provided was integrated into the company description and investment thesis to provide a more comprehensive view of the company's structure as a holding company.