ACMAT Corporation (ACMTA)
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 (ACMTA) with AI Score 55/100 (Hold). ACMAT Corporation provides surety bonds for construction contractors in the United States. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026ACMAT Corporation (ACMTA) Financial Services Profile
ACMAT Corporation, founded in 1950, specializes in providing surety bonds for construction contractors across the United States. Operating within the specialty insurance sector, the company offers a range of bonds, including those for prime, sub-prime, and environmental contractors, distinguishing itself through its focus on the construction industry and a high gross margin of 98.9%.
Investment Thesis
ACMAT Corporation presents a focused investment opportunity within the specialty insurance sector, specifically in surety bonds for construction contractors. With a high gross margin of 98.9%, the company demonstrates efficient underwriting and cost management. However, the company's P/E ratio of 145.61 suggests that the market has high expectations for future earnings growth. Key value drivers include the expansion of construction activity in the U.S. and the increasing demand for surety bonds to mitigate project risks. Potential risks include economic downturns that could reduce construction spending and increased competition from larger insurance companies. Monitoring the company's ability to maintain its profit margin and grow its bond portfolio will be crucial for assessing its long-term investment potential.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.02 billion, indicating a small-cap company.
- P/E ratio of 145.61, suggesting a potentially overvalued stock or high growth expectations.
- Profit margin of 4.4%, reflecting the company's profitability after all expenses.
- Gross margin of 98.9%, indicating efficient cost management in underwriting surety bonds.
- Beta of 0.03, suggesting low volatility compared to the overall market.
Competitors & Peers
Strengths
- Specialized focus on surety bonds for the construction industry.
- Long-standing experience and established reputation.
- High gross margin of 98.9%.
- Low beta of 0.03 indicating low volatility.
Weaknesses
- Small market capitalization of $0.02 billion.
- High P/E ratio of 145.61.
- Low profit margin of 4.4%.
- Dependence on the construction industry, making it vulnerable to economic cycles.
Catalysts
- Ongoing: Infrastructure spending bill could increase demand for construction and surety bonds.
- Upcoming: Potential partnerships with construction industry associations in Q3 2026.
- Ongoing: Streamlining bond application process with new online platform expected to improve customer acquisition.
Risks
- Potential: Economic downturn could reduce construction spending and demand for surety bonds.
- Potential: Increased competition from larger insurance companies.
- Ongoing: Dependence on the construction industry makes ACMAT vulnerable to cyclical downturns.
- Potential: Changes in regulations affecting the surety bond market.
Growth Opportunities
- Expansion into new geographic markets within the United States presents a significant growth opportunity for ACMAT. By targeting regions with growing construction activity, such as the Sun Belt states, ACMAT can increase its customer base and diversify its revenue streams. This expansion could involve establishing new partnerships with local construction associations and participating in regional industry events. The timeline for this expansion is ongoing, with potential for significant revenue growth within the next 3-5 years.
- Offering specialized surety bond products tailored to emerging construction sectors, such as renewable energy projects, represents another growth avenue. As the demand for renewable energy infrastructure increases, ACMAT can develop surety bonds specifically designed to address the unique risks associated with these projects. This includes bonds for solar, wind, and other renewable energy construction projects. The market for renewable energy surety bonds is expected to grow substantially over the next decade.
- Leveraging technology to streamline the bond application and underwriting process can improve efficiency and enhance customer experience. By implementing an online platform for bond applications, ACMAT can reduce processing times and lower administrative costs. This technological upgrade can also attract a younger generation of contractors who prefer digital solutions. The implementation of this technology is expected to take 12-18 months, with potential for significant cost savings and customer satisfaction improvements.
- Developing strategic alliances with construction industry associations and trade groups can provide ACMAT with access to a wider network of potential clients. By partnering with these organizations, ACMAT can offer its surety bond products to their members at discounted rates or through exclusive programs. This can lead to increased brand awareness and customer acquisition. These alliances can be established within the next year, with ongoing benefits in terms of customer referrals and market penetration.
- Expanding the range of miscellaneous surety bonds offered can cater to a broader spectrum of customer needs and generate additional revenue streams. This includes offering bonds for supply agreements, subdivision developments, and license and permit requirements. By diversifying its product portfolio, ACMAT can reduce its reliance on construction-specific bonds and mitigate the impact of economic downturns in the construction sector. This expansion can be implemented within the next 2 years.
Opportunities
- Expansion into new geographic markets.
- Offering specialized surety bond products for emerging construction sectors like renewable energy.
- Leveraging technology to streamline bond application and underwriting processes.
- Developing strategic alliances with construction industry associations.
Threats
- Economic downturns leading to reduced construction spending.
- Increased competition from larger insurance companies.
- Changes in regulations affecting the surety bond market.
- Potential for contractor defaults leading to claims against surety bonds.
Competitive Advantages
- Specialized expertise in surety bonds for the construction industry.
- Long-standing relationships with construction contractors and industry associations.
- Strong underwriting capabilities and risk management practices.
- Established presence in the surety bond market since 1950.
About ACMTA
Founded in 1950 and based in Farmington, Connecticut, ACMAT Corporation operates within the financial services sector, specifically focusing on the specialty insurance industry. The company's primary business revolves around providing surety bonds to construction contractors throughout the United States. These bonds serve as a guarantee that contractors will fulfill their contractual obligations, protecting project owners from financial losses due to contractor default. ACMAT offers a diverse portfolio of surety bonds tailored to various segments of the construction industry, including prime contractors, sub-prime contractors, specialty trade contractors, and those involved in environmental projects such as asbestos and lead abatement. In addition to construction-specific bonds, ACMAT also provides miscellaneous surety bonds covering workers' compensation, supply agreements, subdivision developments, and license and permit requirements. This broad range of offerings allows ACMAT to cater to a wide spectrum of needs within the construction and related industries, solidifying its position as a key player in the surety bond market.
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.
- Provides bonds for environmental contractors.
- Offers miscellaneous surety bonds, including workers' compensation bonds.
- Provides supply bonds.
- Provides subdivision bonds and license/permit bonds.
Business Model
- ACMAT Corporation generates revenue by underwriting surety bonds for construction contractors.
- The company collects premiums from contractors in exchange for providing surety bond coverage.
- ACMAT invests the premiums collected and earns investment income.
- The company manages risk by carefully assessing the creditworthiness of contractors and the terms of the construction projects.
Industry Context
ACMAT Corporation operates in the specialty insurance industry, specifically focusing on surety bonds for the construction sector. The construction industry's performance directly impacts the demand for surety bonds, making ACMAT sensitive to economic cycles and construction spending trends. The market is competitive, with larger insurance companies and specialized surety providers vying for market share. ACMAT's focus on smaller to mid-sized contractors and specialized construction segments differentiates it from larger players, but also exposes it to risks associated with smaller, less financially stable businesses.
Key Customers
- Prime construction contractors
- Sub-prime construction contractors
- Specialty trade contractors
- Environmental contractors (asbestos, lead abatement)
Financials
Chart & Info
ACMAT Corporation (ACMTA) stock price: Price data unavailable
Latest News
No recent news available for ACMTA.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ACMTA.
Price Targets
Wall Street price target analysis for ACMTA.
MoonshotScore
What does this score mean?
The MoonshotScore rates ACMTA'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 title
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. Further research would be required to provide a comprehensive profile of Mr. Nozko's 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.
ACMTA 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 reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as exchange-listed companies on NYSE or NASDAQ. This tier is generally considered to be the most speculative segment of the OTC market, with a higher risk of fraud and manipulation.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and regulatory oversight.
- Low trading volume and potential for price manipulation.
- Higher risk of fraud and company failure.
- Difficulty in obtaining reliable information about the company's operations and financial condition.
- Potential for delisting or trading suspension.
- Verify the company's registration and legal standing.
- Obtain and review any available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Check for any legal or regulatory issues.
- Understand the risks associated with investing in OTC stocks.
- Consult with a qualified financial advisor.
- Company has been in business since 1950.
- Focus on a specific niche market (surety bonds for construction contractors).
- Positive gross margin of 98.9% suggests a viable business model.
- Headquarters located in Farmington, Connecticut.
ACMTA Financial Services Stock FAQ
What does ACMAT Corporation do?
ACMAT Corporation specializes in providing surety bonds to construction contractors in the United States. These bonds guarantee that contractors will fulfill their contractual obligations, protecting project owners from financial losses due to contractor default. ACMAT offers a range of bonds tailored to various construction segments, including prime, sub-prime, and specialty trade contractors, as well as those involved in environmental projects. They also provide miscellaneous surety bonds covering workers' compensation, supply agreements, and license/permit requirements, catering to a wide spectrum of needs within the construction and related industries.
What do analysts say about ACMTA stock?
As of March 16, 2026, formal analyst ratings and price targets for ACMTA are unavailable, likely due to its small market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 145.61, a profit margin of 4.4%, and a high gross margin of 98.9%. Growth considerations center around the company's ability to expand its market share in the surety bond market and manage risks associated with the construction industry. Investors should conduct their own due diligence and consider their risk tolerance before investing.
What are the main risks for ACMTA?
ACMAT Corporation faces several risks, including its dependence on the cyclical construction industry, which can be significantly impacted by economic downturns. Increased competition from larger, more diversified insurance companies poses a threat to ACMAT's market share. Regulatory changes in the surety bond market could also negatively affect the company's operations and profitability. Furthermore, the potential for contractor defaults leading to claims against surety bonds represents an ongoing risk that requires careful underwriting and risk management.
What regulatory challenges does ACMAT Corporation face?
ACMAT Corporation, as a provider of surety bonds, operates under a framework of state-level insurance regulations. These regulations govern capital requirements, licensing, and claims handling procedures. Compliance costs associated with these regulations can be significant, particularly for a small-cap company like ACMAT. Furthermore, changes in these regulations could impact the company's ability to operate in certain states or offer specific types of surety bonds. Maintaining compliance with these evolving regulations is crucial for ACMAT's long-term sustainability.
What is ACMAT Corporation's credit quality and risk management approach?
As a surety bond provider, ACMAT Corporation's success hinges on its ability to accurately assess the creditworthiness of construction contractors and manage the risks associated with their projects. While specific details on ACMAT's internal credit rating system are not available, the company's high gross margin of 98.9% suggests effective underwriting and risk management practices. However, the potential for contractor defaults remains a significant risk, requiring ACMAT to maintain adequate reserves and implement robust claims handling procedures. Further information on ACMAT's risk management framework would be needed for a comprehensive assessment.
What are the key factors to evaluate for ACMTA?
ACMAT Corporation (ACMTA) currently holds an AI score of 55/100, indicating moderate score. Key strength: Specialized focus on surety bonds for the construction industry.. Primary risk to monitor: Potential: Economic downturn could reduce construction spending and demand for surety bonds.. This is not financial advice.
How frequently does ACMTA data refresh on this page?
ACMTA 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 ACMTA's recent stock price performance?
Recent price movement in ACMAT Corporation (ACMTA) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Specialized focus on surety bonds for the construction industry.. 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.
- Limited information available on CEO's background and track record.
- Lack of analyst coverage and price targets.
- OTC listing increases investment risk.