ACMAT Corp (ACMTA) fair value: what the stock is really worth
As of Oct 8, 2026: fair value (intrinsic value) of ACMAT Corp stock $20.65, price $19.00, upside +8.7%, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $17.50 – $38.15 · fair‑value band $15.49 – $25.81 · the $19.00 price screens below the $20.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.
Follow ACMAT in your weekly email
Every Wednesday you see whether ACMAT is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
ACMAT Corporation, through its subsidiaries, provides construction surety bonds for construction contractors in the United States. The company offers surety bonds for prime, sub-prime, specialty trade, environmental, asbestos and lead abatement contractors, and miscellaneous obligations.
Show moreShow less
It also provides other miscellaneous surety, including workers' compensation bonds, supply bonds, subdivision bonds, and license and permit bonds. The company was founded in 1950 and is based in Farmington, Connecticut.
Stock analysis
ACMAT Corp (ACMTA) currently trades at $19.00, while our model-based Fair Value estimate is $20.65, so the stock looks roughly fairly valued today (gap 8.0%).
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of $25.79 per share, and 3 of the 4 models we run sit above the $19.00 price.
Bear case: the Multiples group reads lowest at $20.65, and 1 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $15.49 (bear) to $25.81 (bull), the price of $19.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 1988: revenue and profit before it include the divested business. Growth is measured afresh from 1988.
ACMAT Corp reported revenue of $3.3M in FY2025 versus $3.3M in FY2021, a compound −0.2%/yr. Reported net income was $559K in FY2025, compounding −17.5%/yr from FY2021.
Key figures
Market cap $14.6M Micro · P/E ratio 26.0 · P/S ratio 4.43 · EPS (TTM) $0.7300 · Net margin 17.0% · Return on equity 1.1% · Return on assets (EBIT) −0.5% (5-year average) · Operating margin −3.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 26 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 11% fair-value upside, at 9%, ACMTA screens richer than that median.
Fair Value models
Bear$15.49Fair Value $20.65Bull$25.81
Price $19.00 · Upside +8.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.6220 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 1988: revenue and profit before it include the divested business. Growth is measured afresh from 1988.
Revenue growth 1 year
+2.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.7%
Start year 2020 (pandemic). Over 10 years: −1.6% a year
Revenue growth 37 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.7%
’13
’14
’15
’16
’17
’18
’19
’20
’21
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
−11.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−14.3% vs −1.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 15%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 1.5%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Specialty · 24 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+8.7% · Above median
Profitability
Return on equity (12 months)1.1% · Bottom 25%
Return on assets1.2% · Bottom 25%
Net margin (12 months)10.9% · Below median
Operating margin (12 months)−3.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−5.9% · Bottom 25%
Balance sheet
Debt / equity0.14× · Below median
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "ACMAT Corp Fair Value". https://www.fairvalue-calculator.com/stock/ACMTA
Frequently asked questions
Is ACMAT Corp (ACMTA) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $20.65 versus the last price from Oct 8, 2026 of $19.00, about +9% upside (fairly valued).
What is the fair value of ACMTA?
Our model-based fair value for ACMAT Corp is $20.65 (as of Nov 4, 2026), built from audited fundamentals. Last price (from Oct 8, 2026): $19.00.
What is the quality score of ACMTA?
ACMAT Corp has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for ACMAT Corp (ACMTA)?
Our model-based price target is the fair value of $20.65 (as of Nov 4, 2026) from 4 valuation models. Cautious scenario $15.49, optimistic scenario $25.81. It is a calculation from audited fundamentals, not an analyst target.
What is the ACMAT Corp stock forecast for 2026?
Our models put fair value at $20.65, about +9% upside versus the last price from Oct 8, 2026 of $19.00 (fairly valued). Cautious scenario $15.49, optimistic scenario $25.81. The calculation is refreshed regularly with new filings.
What is the revenue of ACMAT Corp (ACMTA)?
ACMAT Corp reported trailing-twelve-month revenue of about $3.1M (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of ACMAT Corp (ACMTA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ACMAT Corp it is $20.65 per share (as of Nov 4, 2026), against a price of $19.00. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is ACMAT Corp stock overvalued or undervalued in 2026?
As of Nov 4, 2026, ACMTA trades below its calculated fair value: price $19.00, fair value $20.65, a gap of about +9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ACMTA?
No. The price is what the market pays today ($19.00); the fair value is what the company's own numbers justify ($20.65). For ACMAT Corp the two are $1.65 per share apart. That gap is exactly why we show both numbers side by side.
How much is ACMAT Corp worth?
The market values ACMAT Corp at about $14.6M (market capitalisation, as of Nov 4, 2026). Per share that is $19.00; our models calculate a fair value of $20.65 per share.
What do the bullish and bearish scenarios say about ACMTA?
Our models span a range for ACMAT Corp: cautious scenario $15.49, base $20.65, optimistic $25.81 per share (as of Nov 4, 2026, price $19.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ACMTA?
ACMAT Corp trades at a price-to-earnings ratio of 26.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $20.65 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings: 37.3. Other multiples: PEG 8.3, P/B 0.5, P/S 4.8, EV/EBITDA 40.9.
What is the PEG ratio of ACMTA?
The PEG ratio of ACMAT Corp is 8.29 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of ACMAT Corp (ACMTA)?
Balance-sheet figures for ACMAT Corp (as of Nov 4, 2026): return on equity 1.1%, debt of 0.14 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is ACMTA from its 52-week high?
ACMAT Corp trades at $19.00, about 27% below its 52-week high of $26.00 and 9% above the low of $17.50 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $20.65 is for.
Which stocks are comparable to ACMAT Corp?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, Medibank Private Limited, AXIS Capital Holdings, First American Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is ACMAT Corp stock attractive at the current price?
The data as of Nov 4, 2026: price $19.00, calculated fair value $20.65 (+9%), Quality Score 54/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ACMTA calculated?
We run ACMAT Corp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $20.65 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7% above its aggregate fair value. ACMAT Corp currently trades 8% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of ACMAT Corp (ACMTA)?
The latest price we hold is from Oct 8, 2026 and stands at $19.00. Our model-based fair value is $20.65, about +9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ACMAT Corp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of ACMAT Corp (ACMTA) come from?
Earnings per share at ACMAT Corp grew −4.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share −0.6 %, EBIT margin −7.0 %, tax rate +2.8 %, residual (interest, one-offs) +0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of ACMAT Corp
How large is the market capitalisation of ACMAT Corp (ACMTA)?
The market capitalisation of ACMAT Corp is $14.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of ACMAT Corp (ACMTA)?
The price-to-sales ratio of ACMAT Corp is 4.43 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of ACMAT Corp (ACMTA)?
Earnings per share at ACMAT Corp are $0.7300 (price ÷ EPS = P/E 26.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of ACMAT Corp (ACMTA)?
The net margin of ACMAT Corp is 17.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of ACMAT Corp (ACMTA)?
The return on equity (ROE) of ACMAT Corp is 1.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of ACMAT Corp (ACMTA)?
On an EBIT basis the return on assets of ACMAT Corp is −0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of ACMAT Corp (ACMTA)?
The operating margin of ACMAT Corp is −3.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ACMAT Corp (ACMTA)?
Revenue at ACMAT Corp is growing −5.9% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at ACMAT Corp (ACMTA)?
Earnings per share at ACMAT Corp are growing −36.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does ACMAT Corp (ACMTA) generate?
The free cash flow of ACMAT Corp is −$3.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does ACMAT Corp (ACMTA) hold?
ACMAT Corp holds more cash than debt, $1.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch ACMAT Corp in the live analysis
One click puts ACMAT Corp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 4, 2026