Every material Form 8-K Amerisafe has filed with the SEC since October 25, 2023, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
AMERISAFE reported third-quarter 2026 results in which net premiums earned rose 3.0% to $73.3 million, but net income fell 47.9% to $7.2 million and diluted EPS fell to $0.39 from $0.72. The net combined ratio worsened to 96.5% from 90.6%, as the company cited a more competitive workers' compensation market and higher expenses, which cut into shareholder earnings.
Q3 2026 net income was $7.2 million, versus $13.8 million in Q3 2025; diluted EPS was $0.39, versus $0.72
Net combined ratio was 96.5%, versus 90.6% in Q3 2025; underwriting profit fell 62.6% to $2.5 million
Nine-month 2026 net income was $29.9 million, down 18.5%; book value per share was $12.80 at September 30, 2026
Board declared a quarterly cash dividend of $0.41 per share on October 27, 2026, payable December 11, 2026
AMERISAFE reported second-quarter 2026 results for the period ended June 30, 2026. Net premiums earned rose 11.4% to $77.3 million and GAAP diluted EPS rose to $0.78 from $0.73, but operating earnings per share fell 17.0% to $0.44 and the net combined ratio worsened to 95.4% from 91.7%, so shareholders see higher revenue and reported earnings alongside weaker core underwriting profit.
Net premiums earned up 11.4% to $77.3 million; net income up 4.6% to $14.6 million
Operating EPS fell 17.0% to $0.44 from $0.53; underwriting profit fell 37.9% to $3.6 million
Net combined ratio rose to 95.4% from 91.7%; return on average equity was 23.5% for the quarter
Board declared a quarterly dividend of $0.41 per share on July 21, 2026, payable September 25, 2026
AMERISAFE reported first-quarter 2026 results on April 22, 2026. Net premiums earned rose 9.0% to $75.1 million, but net income fell 9.0% to $8.1 million and diluted earnings per share dropped to $0.43 from $0.47. Underwriting profit fell 31.5%, and the net combined ratio rose to 93.2% from 89.1%, which lowers the profit available to shareholders.
Net premiums earned rose 9.0% to $75.1 million; gross premiums written rose 5.6% to $88.5 million.
Net income was $8.1 million versus $8.9 million; diluted EPS was $0.43 versus $0.47, and operating EPS was $0.50 versus $0.60.
Net combined ratio was 93.2% versus 89.1%; underwriting profit fell 31.5% to $5.1 million.
The Board declared a quarterly cash dividend of $0.41 per share on April 21, 2026, payable June 19, 2026.
AMERISAFE appointed Guillermo A. Ramos, currently Head of Finance Strategy at Hiscox US, as Executive Vice President and Chief Financial Officer, effective May 7, 2026. The filing sets out his employment terms, including a base salary of not less than $500,000 and a $1,000,000 restricted stock unit award, which shows the compensation terms for the company's new finance chief.
Appointment effective May 7, 2026; Board approved on April 15, 2026
Annual base salary of not less than $500,000 and an RSU award valued at $1,000,000
Employment agreement has an initial three-year term, with automatic one-year extensions
Severance if terminated without cause: 12 months of salary and health benefits, plus average incentive awards from the prior three years
AMERISAFE reported fourth-quarter 2025 net income of $10.4 million, down 21.0% from a year earlier, with diluted EPS of $0.55 versus $0.69. The company cited higher-than-anticipated loss severity and raised its 2025 accident year loss ratio to 72.0% from 71.0%. Full-year net income fell 15.0% to $47.1 million, but the board raised the quarterly dividend 5.1% to $0.41 per share.
Q4 2025 gross premiums written rose 11.7% to $70.1 million; net combined ratio was 93.6% versus 86.1%.
Full-year 2025 net income was $47.1 million, down 15.0%; diluted EPS was $2.47 versus $2.89.
Quarterly dividend increased to $0.41 from $0.39, payable March 20, 2026, to holders of record as of March 13, 2026.
Company repurchased 197,672 shares for $8.0 million in Q4 2025; results call scheduled February 26, 2026 at 10:30 a.m. ET.
AMERISAFE said its Executive Vice President and Chief Financial Officer, Anastasios Omiridis, will resign effective November 30, 2025, to pursue another opportunity, and that the departure is not due to a disagreement with the company. CEO G. Janelle Frost will assume principal financial and accounting officer duties while the company searches for a new CFO, which matters to shareholders because the finance leadership role will be vacant during the search.
Omiridis notified the company on October 31, 2025; he remains CFO until November 30, 2025.
The resignation is not due to a conflict or disagreement with the company's operations, policies or procedures.
CEO G. Janelle Frost will serve as principal financial officer and principal accounting officer during the CFO search.
The company plans to launch an executive search for a new Executive Vice President and Chief Financial Officer.
AMERISAFE reported third-quarter 2025 results, with gross premiums written up 7.2% to $80.3 million, but net income fell 3.5% to $13.8 million and diluted EPS fell to $0.72 from $0.75. The Board also declared a $1.00 per share special dividend and a $0.39 regular dividend, payable December 12, 2025, which matters to shareholders as cash returned to them.
Gross premiums written rose 7.2% to $80.3 million in Q3 2025 versus Q3 2024.
Net income fell 3.5% to $13.8 million; diluted EPS was $0.72 versus $0.75.
Special dividend of $1.00 per share and regular dividend of $0.39 per share are payable December 12, 2025, to holders of record as of December 5, 2025.
AMERISAFE reported second-quarter 2025 results, with GAAP net income of $14.0 million, up 26.9% from a year earlier, and diluted EPS of $0.73, up from $0.57. Operating net income fell 9.7% to $10.0 million, and underwriting profit fell 12.2% to $5.7 million, as the net combined ratio rose to 91.7% from 90.5%. Shareholders see higher reported earnings driven partly by investment gains, while core operating results declined.
Diluted EPS $0.73 vs $0.57 a year earlier (up 28.1%); operating EPS $0.53 vs $0.58 (down 8.6%)
Gross premiums written rose 4.3% to $79.7 million; voluntary premiums on policies written grew 12.8%
Net realized gains of $3.1 million and net unrealized gains of $1.8 million on equity securities contributed to results
Board declared a $0.39 quarterly dividend payable September 26, 2025; conference call scheduled July 25, 2025
At its June 6, 2025 annual meeting, AMERISAFE shareholders elected three directors to terms ending in 2028 and approved all proposals, including an amendment to the non-employee director restricted stock plan. The amendment adds 50,000 shares to the plan and raises the maximum annual target value of restricted stock per non-employee director to $200,000.
Plan amendment adds 50,000 shares and raises the annual per-director limit to $200,000
Teri G. Fontenot, Billy B. Greer and Jared A. Morris elected for terms expiring at the 2028 annual meeting
Ernst & Young LLP ratified as independent auditor for 2025, with 17,690,631 votes for
Shares represented at the meeting: 18,023,934 of 19,050,315 outstanding as of April 17, 2025
AMERISAFE reported first-quarter 2025 results, with net income falling 47.1% to $8.9 million and diluted earnings per share falling to $0.47 from $0.88. Net premiums earned rose 0.6% to $68.9 million, and gross premiums written rose 4.6% to $83.8 million, but lower investment results, including $3.2 million of net unrealized losses on equity securities, drove the profit decline. The board also declared a quarterly dividend of $0.39 per share.
Net income was $8.9 million versus $16.9 million a year earlier; operating earnings per share were $0.60 versus $0.69, down 13.0%.
Net combined ratio was 89.1% versus 87.3% in the first quarter of 2024; the underwriting expense ratio rose to 29.9% from 27.3%.
Book value per share was $13.69 at March 31, 2025, up 1.3% from $13.51 at December 31, 2024.
The board declared a quarterly cash dividend of $0.39 per share, payable June 20, 2025, to holders of record as of June 13, 2025.
AMERISAFE reported fourth-quarter 2024 net income of $13.2 million, down 31.2% from $19.2 million a year earlier, and diluted EPS of $0.69 versus $1.00. For the full year, net income was $55.4 million, down 10.7%, while net premiums earned rose 1.3% to $270.6 million. The board also raised the quarterly dividend 5.4% to $0.39 per share from $0.37, which shareholders of record as of March 7, 2025 will receive on March 21, 2025.
Q4 2024 net income was $13.2 million, down 31.2%; diluted EPS was $0.69 versus $1.00 in Q4 2023.
Full-year 2024 net income was $55.4 million, down 10.7%; diluted EPS was $2.89 versus $3.23.
Full-year 2024 net combined ratio was 88.7%, up from 85.9% in 2023; Q4 net combined ratio was 86.1% versus 85.5%.
Quarterly dividend increased to $0.39 per share, payable March 21, 2025 to holders of record as of March 7, 2025.
AMERISAFE reported third-quarter 2024 net income of $14.3 million, or $0.75 per diluted share, up from $9.961 million, or $0.52, a year earlier. Operating earnings per share fell to $0.58 from $0.61, and the company also declared a $3.00 per share special dividend plus a $0.37 regular dividend, both payable December 13, 2024. The special dividend returns excess capital directly to shareholders.
Q3 2024 net income was $14.3 million, up 43.8%; diluted EPS was $0.75 versus $0.52.
Operating EPS was $0.58, down 4.9% from $0.61 in Q3 2023.
Net premiums earned rose 0.6% to $67.1 million; net combined ratio was 90.9% versus 90.6%.
Special dividend of $3.00 per share and regular dividend of $0.37 per share are payable December 13, 2024, to holders of record December 6, 2024.
AMERISAFE reported second-quarter 2024 net income of $11.0 million, down 29.7% from $15.6 million a year earlier, and diluted EPS of $0.57, down from $0.81. Net premiums earned rose 4.6% to $68.6 million, but higher loss and expense costs cut underwriting profit by 31.2% to $6.5 million, so shareholders saw lower per-share earnings even as the insurer wrote more business.
Diluted EPS was $0.57 for the quarter, versus $0.81 in Q2 2023; operating EPS was $0.58, versus $0.73.
Net premiums earned rose 4.6% to $68.6 million, while the net combined ratio worsened to 90.5% from 85.4%.
Favorable prior accident year reserve development reduced loss expenses by $8.1 million.
The Board declared a quarterly dividend of $0.37 per share on July 26, 2024, payable September 20, 2024; a conference call is set for July 30, 2024.
AMERISAFE reported first-quarter 2024 results on April 24, 2024, with net income of $16.9 million and diluted EPS of $0.88, both slightly lower than a year earlier. Total revenues rose to $80.5 million, but net premiums earned fell 1.1%, and the net combined ratio worsened to 87.3% from 82.2%, so underwriting profit fell 29.2%. For shareholders, the quarter shows steady headline earnings but weaker underlying insurance profitability.
Net income was $16.9 million, down 2.4% from $17.3 million; diluted EPS was $0.88 versus $0.90.
Operating earnings per share, a non-GAAP measure, fell 16.9% to $0.69 from $0.83.
Net combined ratio rose to 87.3% from 82.2%, and underwriting profit fell 29.2% to $8.7 million.
Book value per share was $15.74 at March 31, 2024, up 3.0% from $15.28 at December 31, 2023; a $0.37 quarterly dividend was declared April 23, 2024.
AMERISAFE reported fourth-quarter and full-year 2023 results and raised its quarterly dividend 8.8% to $0.37 per share. Full-year net income rose 11.7% to $62.1 million, or $3.23 diluted EPS, while fourth-quarter net income fell 7.7% to $19.2 million, or $1.00 per share. The mixed quarterly and annual picture, plus the higher dividend, is what shareholders will weigh.
Full-year 2023 net income $62.1 million vs. $55.6 million in 2022; diluted EPS $3.23 vs. $2.88
Fourth-quarter 2023 net income $19.2 million vs. $20.8 million; diluted EPS $1.00 vs. $1.08
Full-year 2023 net premiums earned fell 1.7% to $267.1 million; net combined ratio 85.9% vs. 83.6%
Quarterly dividend raised from $0.34 to $0.37 per share, payable March 22, 2024, to holders of record as of March 8, 2024
AMERISAFE reported third-quarter 2023 net income of $10.0 million, down 12.3% from $11.4 million a year earlier, with diluted EPS of $0.52 versus $0.59. Total revenues rose to $72.6 million from $71.4 million, but net premiums earned fell 1.7% and the net combined ratio rose to 90.6% from 85.4%. The board also declared a $3.50 per share special dividend payable December 15, 2023, to shareholders of record as of December 1, 2023.
Q3 2023 net income $10.0 million vs. $11.4 million in Q3 2022; diluted EPS $0.52 vs. $0.59
Q3 2023 operating EPS $0.61 vs. $0.73 a year earlier; net combined ratio 90.6% vs. 85.4%
Special dividend of $3.50 per share, payable December 15, 2023, to holders of record as of December 1, 2023
Regular quarterly dividend of $0.34 per share declared October 24, 2023, on the same payment and record dates
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