ACMAT Corporation (ACMT)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, 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). ACMAT Corporation provides surety bonds for construction contractors in the United States. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026ACMAT Corporation (ACMT) Financial Services Profile
ACMAT Corporation, established in 1950, specializes in providing surety bonds for construction contractors across the United States. Operating within the specialty insurance sector, ACMAT offers a range of surety products, including bonds for prime, sub-prime, and specialty trade contractors, distinguishing itself through a focus on construction-related obligations and a long-standing market presence.
Investment Thesis
ACMAT Corporation presents a focused investment opportunity within the specialty insurance sector, specifically in surety bonds for construction contractors. With a market capitalization of $0.04 billion and a P/E ratio of 145.61, ACMAT's valuation reflects its niche market position. The company's high gross margin of 98.9% indicates efficient underwriting and cost management, while a profit margin of 4.4% suggests room for improvement in operational efficiency. Growth catalysts include the increasing demand for construction surety bonds driven by infrastructure projects and construction activity across the United States. ACMAT's established presence and specialized expertise in the construction surety market position it to capitalize on these trends. Potential risks include economic downturns that could reduce construction activity and increased competition from larger insurance providers. The company's low beta of 0.03 suggests relatively low volatility compared to the broader market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.04 billion, reflecting its position as a smaller player in the specialty insurance sector.
- P/E ratio of 145.61, indicating a premium valuation relative to earnings.
- Gross margin of 98.9%, highlighting efficient underwriting and cost control in its surety bond business.
- Profit margin of 4.4%, suggesting potential for improved operational efficiency and profitability.
- Beta of 0.03, indicating low volatility compared to the overall market.
Competitors & Peers
Strengths
- Specialized expertise in construction surety bonds
- Long-standing relationships with construction contractors
- High gross margin
- Low beta
Weaknesses
- Small market capitalization
- Low profit margin
- Limited geographic reach
- Dependence on the construction industry
Catalysts
- Ongoing: Increased infrastructure spending in the United States is expected to drive demand for construction surety bonds.
- Ongoing: Expansion of construction activity in key geographic markets could lead to higher premium revenue for ACMAT.
- Upcoming: Potential partnerships with construction industry associations could enhance ACMAT's market reach and credibility.
- Upcoming: Implementation of technology solutions for enhanced underwriting could improve risk assessment and profitability.
- Ongoing: Focus on small to medium-sized contractors could establish a loyal customer base and differentiate ACMAT from larger competitors.
Risks
- Potential: Economic downturns could reduce construction activity and demand for surety bonds.
- Potential: Increased competition from larger insurance providers could erode ACMAT's market share.
- Potential: Changes in regulations affecting surety bond requirements could increase compliance costs.
- Potential: Claims losses could negatively impact ACMAT's profitability.
- Ongoing: Limited financial disclosure and liquidity associated with the OTC Other market pose risks for investors.
Growth Opportunities
- Expansion into New Geographic Markets: ACMAT can pursue growth by expanding its surety bond services into new geographic regions within the United States. The U.S. construction market is vast, with regional variations in construction activity and demand for surety bonds. By targeting specific states or metropolitan areas with high construction growth, ACMAT can increase its market share and revenue streams. This expansion strategy requires market research, establishing local partnerships, and tailoring surety products to meet regional requirements. The timeline for this expansion could be phased over 3-5 years, targeting 2-3 new regions annually.
- Diversification of Surety Product Offerings: ACMAT can diversify its surety product offerings to cater to a broader range of construction-related needs. This includes expanding into specialized surety bonds for renewable energy projects, environmental remediation, and public-private partnerships. By offering a more comprehensive suite of surety solutions, ACMAT can attract a wider customer base and increase its revenue per client. This diversification strategy requires product development, underwriting expertise, and marketing efforts to promote the new offerings. The timeline for this diversification could be implemented over 2-3 years, introducing 1-2 new product lines each year.
- Strategic Partnerships with Construction Associations: ACMAT can forge strategic partnerships with construction industry associations and trade groups to enhance its market reach and credibility. By collaborating with these organizations, ACMAT can gain access to their membership networks, participate in industry events, and offer exclusive surety bond programs to their members. These partnerships can provide ACMAT with a competitive advantage and increase its brand awareness within the construction community. The timeline for establishing these partnerships could be initiated within the next year, focusing on building relationships with key industry associations.
- Leveraging Technology for Enhanced Underwriting: ACMAT can invest in technology solutions to streamline its underwriting processes and improve risk assessment. This includes implementing data analytics tools to analyze construction project data, assess contractor creditworthiness, and identify potential risks. By leveraging technology, ACMAT can make more informed underwriting decisions, reduce claims losses, and improve its overall profitability. The timeline for implementing these technology solutions could be phased over 1-2 years, starting with pilot programs and gradually expanding to full-scale deployment.
- Focus on Small to Medium-Sized Contractors: ACMAT can focus its marketing and sales efforts on targeting small to medium-sized construction contractors. These contractors often have limited access to surety bond providers and may require specialized support and guidance. By catering to this underserved market segment, ACMAT can establish a loyal customer base and differentiate itself from larger competitors. This targeted approach requires tailored marketing campaigns, simplified application processes, and personalized customer service. The timeline for implementing this strategy could be initiated immediately, focusing on outreach and engagement with small to medium-sized contractors.
Opportunities
- Expansion into new geographic markets
- Diversification of surety product offerings
- Strategic partnerships with construction associations
- Leveraging technology for enhanced underwriting
Threats
- Economic downturns that reduce construction activity
- Increased competition from larger insurance providers
- Changes in regulations affecting surety bond requirements
- Potential for claims losses
Competitive Advantages
- Specialized expertise in construction surety bonds.
- Long-standing relationships with construction contractors.
- Established presence in the surety market.
- Focus on niche segments within the construction industry.
About ACMT
ACMAT Corporation, founded in 1950, is a provider of surety bonds, primarily serving construction contractors in the United States. The company's origins lie in addressing the specific bonding needs of the construction industry, offering financial guarantees that contractors will fulfill their contractual obligations. Over the years, ACMAT has evolved to offer a comprehensive suite of surety products, including bonds for prime contractors, subcontractors, specialty trades, and environmental projects such as asbestos and lead abatement. Based in Farmington, Connecticut, ACMAT operates through its subsidiaries, focusing on niche segments within the surety market. The company's product offerings extend to miscellaneous surety bonds, covering workers' compensation, supply agreements, subdivision developments, and various license and permit requirements. This diversified approach allows ACMAT to cater to a broad spectrum of construction-related bonding needs. ACMAT's market position is characterized by its specialization in the construction surety sector and its long-standing history. While the company's market capitalization is relatively small at $0.04 billion, its focus on a specific niche allows it to maintain a presence in a competitive industry. ACMAT's strategy revolves around providing tailored surety solutions and building relationships with construction contractors, positioning itself as a reliable partner in the bonding process.
What They Do
- Provides surety bonds for construction contractors.
- Offers bonds for prime contractors.
- Offers bonds for sub-prime contractors.
- Offers bonds for specialty trade contractors.
- Offers bonds for environmental contractors.
- Offers bonds for asbestos and lead abatement contractors.
- Provides miscellaneous surety bonds, including workers' compensation and supply bonds.
Business Model
- Generates revenue by underwriting and issuing surety bonds.
- Earns premiums from contractors who purchase surety bonds.
- Manages risk by assessing the creditworthiness and project viability of contractors.
- Invests premiums to generate additional income.
Industry Context
ACMAT Corporation operates within the specialty insurance sector, specifically focusing on surety bonds for the construction industry. The surety bond market is influenced by construction spending, infrastructure development, and regulatory requirements. The industry is competitive, with larger insurance companies and specialized surety providers vying for market share. ACMAT's niche focus on construction contractors allows it to differentiate itself through specialized expertise and tailored solutions. The construction industry's growth prospects and infrastructure investments drive demand for surety bonds, creating opportunities for ACMAT to expand its market presence.
Key Customers
- Prime construction contractors
- Sub-prime construction contractors
- Specialty trade contractors
- Environmental contractors
- Asbestos and lead abatement contractors
Financials
Chart & Info
ACMAT Corporation (ACMT) stock price: Price data unavailable
Latest News
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AM Best Affirms Credit Ratings of ACMAT Corporation and ACSTAR Insurance Company
Yahoo! Finance: ACMT News · Feb 11, 2026
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AM Best Affirms Credit Ratings of ACMAT Corporation and ACSTAR Insurance Company
Business Wire · Feb 11, 2026
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.
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.
Competitors & Peers
Leadership: Henry Walter Nozko Jr.
CEO
Henry Walter Nozko Jr. serves as the Chief Executive Officer of ACMAT Corporation. Information regarding his detailed career history, educational background, and previous roles is not available in the provided data. Therefore, a comprehensive background profile cannot be created at this time. Further research would be needed to provide a complete overview of his professional experience and qualifications.
Track Record: Due to the limited information available, it is not possible to assess Henry Walter Nozko Jr.'s track record as CEO of ACMAT Corporation. Key achievements, strategic decisions, and company milestones under his leadership cannot be determined without additional data. Further research is necessary to evaluate his performance and contributions to the company.
ACMT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that ACMAT Corporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may be subject to less regulatory oversight compared to companies listed on major exchanges like the NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for limited information, price volatility, and liquidity challenges. This tier is often populated by shell companies, defunct entities, or companies with questionable financials.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in ACMAT.
- Low trading volume and liquidity can lead to price volatility and difficulty in buying or selling shares.
- The OTC Other tier carries a higher risk of fraud or manipulation compared to major exchanges.
- Lack of regulatory oversight may expose investors to potential risks.
- The company's financial health and long-term viability may be uncertain.
- Verify the availability and accuracy of ACMAT's financial statements.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and legal standing.
- Understand the risks associated with investing in OTC Other stocks.
- Consult with a financial advisor before making any investment decisions.
- Check for any red flags or warning signs that could indicate potential problems.
- ACMAT Corporation has been in business since 1950, indicating a long-standing presence in the surety market.
- The company focuses on a specific niche within the insurance sector, providing surety bonds for construction contractors.
- ACMAT has a high gross margin, suggesting efficient underwriting and cost control.
- The company is based in Farmington, Connecticut, which could indicate a stable business environment.
- ACMAT's specialization in surety bonds for the construction industry suggests a focused business strategy.
ACMAT Corporation Stock: Key Questions Answered
What does ACMAT Corporation do?
ACMAT Corporation provides surety bonds primarily for construction contractors in the United States. These bonds guarantee that contractors will fulfill their contractual obligations. ACMAT offers a range of surety products, including bonds for prime contractors, subcontractors, specialty trades, and environmental projects. The company also provides miscellaneous surety bonds covering workers' compensation, supply agreements, and license and permit requirements. ACMAT operates within the specialty insurance sector, focusing on the construction industry's specific bonding needs.
What do analysts say about ACMT stock?
AI analysis is pending for ACMAT Corporation. Without analyst ratings or price targets, it is difficult to gauge market sentiment or valuation expectations. Investors should conduct their own due diligence and carefully consider the company's financial performance, growth prospects, and risk factors before making any investment decisions. The company's small market capitalization and OTC listing may limit analyst coverage and available research.
What are the main risks for ACMT?
ACMAT Corporation faces several risks, including economic downturns that could reduce construction activity and demand for surety bonds. Increased competition from larger insurance providers could erode ACMAT's market share. Changes in regulations affecting surety bond requirements could increase compliance costs. Claims losses could negatively impact ACMAT's profitability. Additionally, the limited financial disclosure and liquidity associated with the OTC Other market pose risks for investors, including potential price volatility and difficulty in buying or selling shares.
How does ACMAT Corporation make money in financial services?
ACMAT Corporation generates revenue by underwriting and issuing surety bonds to construction contractors. The company earns premiums from these bonds, which represent the price contractors pay for the financial guarantee. ACMAT's profitability depends on its ability to accurately assess the risk associated with each bond and manage claims effectively. The company also generates investment income from the premiums it holds, further contributing to its overall revenue stream. Efficient underwriting and risk management are crucial for ACMAT's financial success in the specialty insurance sector.
What regulatory challenges does ACMAT Corporation face?
As a provider of surety bonds, ACMAT Corporation is subject to various regulatory requirements at the state and federal levels. These regulations govern the underwriting, issuance, and claims handling of surety bonds. ACMAT must comply with capital requirements to ensure its financial stability and ability to pay claims. Changes in these regulations could increase compliance costs and impact ACMAT's profitability. The company must also navigate licensing requirements and maintain compliance with industry standards to operate in the surety market.
What are the key factors to evaluate for ACMT?
Evaluating ACMT involves reviewing fundamentals, analyst consensus, and risk factors. Key strength: Specialized expertise in construction surety bonds. Primary risk to monitor: Potential: Economic downturns could reduce construction activity and demand for surety bonds.. This is not financial advice.
How frequently does ACMT data refresh on this page?
ACMT prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven ACMT's recent stock price performance?
Recent price movement in ACMAT Corporation (ACMT) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Specialized expertise in construction surety bonds. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
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.
- AI analysis is pending for ACMAT Corporation, limiting the availability of analyst insights.
- The company's OTC listing and unknown disclosure status may pose challenges for investors seeking comprehensive financial information.