WallStSmart

AMERISAFE Inc (AMSF)vsFirst American Corporation (FAF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

First American Corporation generates 2279% more annual revenue ($7.98B vs $335.66M). AMSF leads profitability with a 14.0% profit margin vs 9.3%. AMSF appears more attractively valued with a PEG of 1.81. FAF earns a higher WallStSmart Score of 70/100 (B).

AMSF

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 7.0Value: 6.3Quality: 3.8
Piotroski: 5/9Altman Z: 0.44

FAF

Strong Buy

70

out of 100

Grade: B

Growth: 6.7Profit: 6.5Value: 5.7Quality: 7.3
Piotroski: 5/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMSF2 strengths · Avg: 9.0/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

FAF4 strengths · Avg: 9.5/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
50.4%10/10

Earnings expanding 50.4% YoY

Revenue GrowthGrowth
15.0%8/10

15.0% revenue growth

Areas to Watch

AMSF3 concerns · Avg: 3.0/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

Market CapQuality
$459.14M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.442/10

Distress zone — elevated risk

FAF1 concerns · Avg: 2.0/10
PEG RatioValuation
2.982/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AMSF

The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 13.4% demonstrates continued momentum.

Bull Case : FAF

The strongest argument for FAF centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 15.0% demonstrates continued momentum.

Bear Case : AMSF

The primary concerns for AMSF are PEG Ratio, Market Cap, Altman Z-Score.

Bear Case : FAF

The primary concerns for FAF are PEG Ratio.

Key Dynamics to Monitor

FAF carries more volatility with a beta of 1.23 — expect wider price swings.

FAF is growing revenue faster at 15.0% — sustainability is the question.

FAF generates stronger free cash flow (317M), providing more financial flexibility.

Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FAF scores higher overall (70/100 vs 66/100) and 15.0% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AMERISAFE Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

AMERISAFE, Inc., an insurance holding company, writes workers' compensation insurance in the United States. The company is headquartered in DeRidder, Louisiana.

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First American Corporation

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.

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