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    American Coastal Insurance (ACIC)

    Market Price (10/29/2026): $10.855 | Market Cap: $513.1 MilSector: Financials | Industry: Property & Casualty Insurance

    American Coastal Insurance (ACIC)

    Market Price (10/29/2026): $10.855
    Market Cap: $513.1 Mil
    Sector: Financials
    Industry: Property & Casualty Insurance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 26%, Dividend Yield is 7.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33%

    Low stock price volatility
    Vol 12M is 32%

    Megatrend and thematic drivers
    Megatrends include Climate Change Adaptation & Financial Resilience. Themes include Coastal Property Insurance, Catastrophe Risk Underwriting, and Climate Risk Data Analytics (for Insurance).

    Weak multi-year price returns
    2Y Excs Rtn is -18%, 3Y Excs Rtn is -19%

    Weak revenue growth
    Rev Chg QQuarterly Revenue Change % is -4.5%

    Not cash flow generative
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -9.3%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -9.4%

    Key risks
    ACIC key risks include [1] its acute vulnerability to catastrophic losses due to a high geographic concentration in Florida, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 26%, Dividend Yield is 7.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33%
    2 Low stock price volatility
    Vol 12M is 32%
    3 Megatrend and thematic drivers
    Megatrends include Climate Change Adaptation & Financial Resilience. Themes include Coastal Property Insurance, Catastrophe Risk Underwriting, and Climate Risk Data Analytics (for Insurance).
    4 Weak multi-year price returns
    2Y Excs Rtn is -18%, 3Y Excs Rtn is -19%
    5 Weak revenue growth
    Rev Chg QQuarterly Revenue Change % is -4.5%
    6 Not cash flow generative
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -9.3%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -9.4%
    7 Key risks
    ACIC key risks include [1] its acute vulnerability to catastrophic losses due to a high geographic concentration in Florida, Show more.

    ACIC in ETFs

    Weight = ACIC's share of each fund

    VTI0.00%
    IWM0.01%
    AVUV0.03%
    IWN0.02%
    DFAS0.01%
    VTWO0.01%
    IWV0.00%
    DFAC0.00%

    Valuation & Metrics

    FYE: 12/31ACIC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$330.2 Mil—
    FY 2026 Sales$533.4 Mil—
    FY 2027 Sales$496.1 Mil—
    FY 2026 Sales Growth61.6%—
    FY 2027 Sales Growth-7.0%13.3%
    EARNINGS
    LTM Net Income (GAAP) [3]$100.2 Mil—
    FY 2026 Net Income (Non-GAAP)$66.2 Mil—
    FY 2027 Net Income (Non-GAAP)$63.7 Mil—
    FY 2027 Net Income Growth-3.8%19.1%
    FY 2026 EPS (Non-GAAP)$1.33—
    FY 2027 EPS (Non-GAAP)$1.28—
    FY 2027 EPS Growth-3.8%—
    VALUATION
    FY 2026 P/S1.01.6
    FY 2027 P/S1.0—
    FY 2026 P/E7.77.4
    FY 2027 P/E8.1—

    [1] ACIC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 10/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    ACICS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.3
    Rev Chg Q-4.5%9.1%
    Rev Chg LTM3.3%8.5%
    Rev Chg 3Y Avg9.4%6.1%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)-0.0
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM-9.3%21.9%
    Net Inc Mgn30.3%13.3%
    VALUATIONVERY LOW
    P/S1.63.2
    P/CFO-17.115.2
    P/FCF-16.819.9
    P/E5.222.6

    AI Analysis | Feedback

    MetricValueDateSource
    Policies In-Forceroughly 4,0006302024Link
    Premium In-Force$656 million6302024Link
    Market Share of Commercial Residential Property Insurance in Florida12%3312025Link
    Combined Ratio56.9%9302025Link
    Underlying Combined Ratio57.8%9302025Link
    Core Catastrophe Reinsurance Program - Occurrence-Based Limit$1.676 billion6012025Link
    Core Catastrophe Reinsurance Program - First Event Limit$1.33 billion6012025Link
    Core Catastrophe Reinsurance Program - Costapproximately $201.85 million6012025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 10/20/2026

    American Coastal Insurance (ACIC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Mixed fiscal Q2 2026 earnings results led to an initial stock dip but were offset by strong underlying fundamentals.

    American Coastal Insurance (ACIC) reported its fiscal Q2 2026 earnings on August 5, 2026, with a core earnings per share (EPS) of $0.33, missing analysts' expectations of $0.42 by 21.43%. Net income for the quarter was $21.9 million, a decrease from $26.4 million in the prior-year period. Following the earnings announcement, the stock declined by 6.1% on August 6, 2026, closing at $10.28. Despite the EPS miss and lower net income, the company highlighted a "best in class" underlying combined ratio of 68.7% and a 10.7% year-over-year increase in book value per share to $7.21, suggesting operational efficiency and capital accumulation that likely provided a floor for the stock price.

    2. The long-term distribution and underwriting relationship with AmRisc was solidified, providing stability in a softening market.

    Effective July 1, 2026, American Coastal Insurance restructured its exclusive managing agency agreement with AmRisc, LLC. The new agreement removes the previous fixed expiration date and establishes successive one-year terms, requiring 48 months' advance notice for termination. This ensures a minimum four-year term at all times, securing the distribution and underwriting source for ACIC's core Florida commercial-residential portfolio and its expanding excess and surplus (E&S) lines. This enhanced certainty in a property and casualty market characterized by decelerating rates and increased competition likely contributed to investor confidence and stock stability.

    Show more
    Updated on 10/20/2026

    American Coastal Insurance (ACIC) stock has remained largely at the same level since 6/30/2026 because of the following key factors:

    1. Mixed fiscal Q2 2026 earnings results led to an initial stock dip but were offset by strong underlying fundamentals.

    American Coastal Insurance (ACIC) reported its fiscal Q2 2026 earnings on August 5, 2026, with a core earnings per share (EPS) of $0.33, missing analysts' expectations of $0.42 by 21.43%. Net income for the quarter was $21.9 million, a decrease from $26.4 million in the prior-year period. Following the earnings announcement, the stock declined by 6.1% on August 6, 2026, closing at $10.28. Despite the EPS miss and lower net income, the company highlighted a "best in class" underlying combined ratio of 68.7% and a 10.7% year-over-year increase in book value per share to $7.21, suggesting operational efficiency and capital accumulation that likely provided a floor for the stock price.

    2. The long-term distribution and underwriting relationship with AmRisc was solidified, providing stability in a softening market.

    Effective July 1, 2026, American Coastal Insurance restructured its exclusive managing agency agreement with AmRisc, LLC. The new agreement removes the previous fixed expiration date and establishes successive one-year terms, requiring 48 months' advance notice for termination. This ensures a minimum four-year term at all times, securing the distribution and underwriting source for ACIC's core Florida commercial-residential portfolio and its expanding excess and surplus (E&S) lines. This enhanced certainty in a property and casualty market characterized by decelerating rates and increased competition likely contributed to investor confidence and stock stability.

    3. Expansion into specialty Excess & Surplus (E&S) lines through a new subsidiary offered growth optionality.

    American Coastal Insurance is strategically expanding into specialty E&S lines to diversify its business. This initiative includes quota share participation in AmRisc's nationwide E&S commercial property book, which contributed $28.7 million in written premium year-to-date as of fiscal Q2 2026. Furthermore, on October 8, 2026, the company announced that its newly formed subsidiary, ACES Specialty Insurance Company, received a Certificate of Authority. This expansion into new markets provides growth opportunities and mitigates some of the pressures from the soft market in ACIC's traditional business, supporting the stock's steady performance.

    4. An increased stock repurchase program demonstrated management's commitment to returning value to shareholders.

    On August 6, 2026, American Coastal Insurance announced an increase of $25 million to its stock repurchase authorization, raising the total program size to $50 million. As of the announcement, $30.6 million remained available under the program. Such a move signals management's confidence in the company's valuation and financial health, and actively supports the stock price by reducing the number of outstanding shares, thereby contributing to its stability during the specified period.

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    Stock Movement Drivers

    Fundamental Drivers

    The -2.1% change in ACIC stock from 6/30/2026 to 10/28/2026 was primarily driven by a -3.2% change in the company's Net Income Margin (%).
    (LTM values as of)630202610282026Change
    Stock Price ($)11.1010.87-2.1%
    Change Contribution By: 
    Total Revenues ($ Mil)334330-1.2%
    Net Income Margin (%)31.4%30.3%-3.2%
    P/E Multiple5.15.21.4%
    Shares Outstanding (Mil)49480.9%
    Cumulative Contribution-2.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    6/30/2026 to 10/28/2026
    ReturnCorrelation
    ACIC-2.1% 
    Market (SPY)3.4%-2.5%
    Sector (XLF)4.7%29.2%

    Fundamental Drivers

    The -3.4% change in ACIC stock from 3/31/2026 to 10/28/2026 was primarily driven by a -4.8% change in the company's Net Income Margin (%).
    (LTM values as of)331202610282026Change
    Stock Price ($)11.2510.87-3.4%
    Change Contribution By: 
    Total Revenues ($ Mil)335330-1.4%
    Net Income Margin (%)31.9%30.3%-4.8%
    P/E Multiple5.15.21.8%
    Shares Outstanding (Mil)49481.2%
    Cumulative Contribution-3.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    3/31/2026 to 10/28/2026
    ReturnCorrelation
    ACIC-3.4% 
    Market (SPY)19.1%-13.5%
    Sector (XLF)14.1%25.5%

    Fundamental Drivers

    The 1.5% change in ACIC stock from 9/30/2025 to 10/28/2026 was primarily driven by a 20.0% change in the company's Net Income Margin (%).
    (LTM values as of)930202510282026Change
    Stock Price ($)10.7110.871.5%
    Change Contribution By: 
    Total Revenues ($ Mil)3203303.3%
    Net Income Margin (%)25.3%30.3%20.0%
    P/E Multiple6.45.2-18.7%
    Shares Outstanding (Mil)48480.7%
    Cumulative Contribution1.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2025 to 10/28/2026
    ReturnCorrelation
    ACIC1.5% 
    Market (SPY)16.9%-2.1%
    Sector (XLF)5.5%28.8%

    Fundamental Drivers

    The 63.1% change in ACIC stock from 9/30/2023 to 10/28/2026 was primarily driven by a 44.1% change in the company's P/S Multiple.
    (LTM values as of)930202310282026Change
    Stock Price ($)6.6710.8763.1%
    Change Contribution By: 
    Total Revenues ($ Mil)26233025.9%
    P/S Multiple1.11.644.1%
    Shares Outstanding (Mil)4348-10.1%
    Cumulative Contribution63.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    9/30/2023 to 10/28/2026
    ReturnCorrelation
    ACIC63.1% 
    Market (SPY)86.9%14.6%
    Sector (XLF)76.6%26.0%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    ACIC Return-20%-75%792%42%-3%-8%125%
    Peers Return7%-35%100%57%57%12%287%
    S&P 500 Return27%-19%24%23%16%13%106%

    Monthly Win Rates [3]
    ACIC Win Rate58%8%75%58%50%40% 
    Peers Win Rate53%48%65%60%65%52% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    ACIC Max Drawdown-64%-93%-60%-33%-24%-26% 
    Peers Max Drawdown-38%-55%-29%-29%-26%-25% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: HRTG, UVE, HCI, PLMR, KNSL.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 10/28/2026 (YTD)

    How Low Can It Go

    EventACICS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-90.8%-24.5%
      % Gain to Breakeven983.6%32.4%
      Time to Breakeven185 days427 days
    2020 COVID-19 Crash
      % Loss-25.4%-33.7%
      % Gain to Breakeven34.1%50.9%
      Time to Breakeven1336 days140 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-37.2%-3.7%
      % Gain to Breakeven59.3%3.9%
      Time to Breakeven118 days6 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-13.0%-12.2%
      % Gain to Breakeven15.0%13.9%
      Time to Breakeven15 days62 days
    2014-2016 Oil Price Collapse
      % Loss-22.3%-6.8%
      % Gain to Breakeven28.7%7.3%
      Time to Breakeven35 days15 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-37.7%-15.4%
      % Gain to Breakeven60.6%18.2%
      Time to Breakeven116 days125 days

    Compare to HRTG, UVE, HCI, PLMR, KNSL

    In The Past

    American Coastal Insurance's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventACICS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-90.8%-24.5%
      % Gain to Breakeven983.6%32.4%
      Time to Breakeven185 days427 days
    2020 COVID-19 Crash
      % Loss-25.4%-33.7%
      % Gain to Breakeven34.1%50.9%
      Time to Breakeven1336 days140 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-37.2%-3.7%
      % Gain to Breakeven59.3%3.9%
      Time to Breakeven118 days6 days
    2014-2016 Oil Price Collapse
      % Loss-22.3%-6.8%
      % Gain to Breakeven28.7%7.3%
      Time to Breakeven35 days15 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-37.7%-15.4%
      % Gain to Breakeven60.6%18.2%
      Time to Breakeven116 days125 days
    2008-2009 Global Financial Crisis
      % Loss-64.1%-53.4%
      % Gain to Breakeven178.5%114.4%
      Time to Breakeven1666 days1085 days

    Compare to HRTG, UVE, HCI, PLMR, KNSL

    In The Past

    American Coastal Insurance's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About American Coastal Insurance (ACIC)

    American Coastal Insurance Corporation (ACIC) is a property and casualty insurance holding company that operates within the United States. The company's core business involves sourcing, underwriting, and servicing a diverse portfolio of residential personal and commercial property and casualty insurance policies. ACIC caters to a broad market, serving individual customers such as single-family homeowners, renters, and condominium unit owners, as well as commercial clients including residential condominium associations and apartment complexes. Headquartered in Saint Petersburg, Florida, American Coastal Insurance distributes its various products through an established network of independent agencies.

    The company's product offerings are comprehensive, addressing a wide array of insurance needs. For residential customers, ACIC provides essential coverage including protection for structures, contents, and personal liability. On the commercial side, it offers multi-peril property insurance designed to safeguard buildings, inventory, and equipment against common perils like fire, wind, hail, water, theft, and vandalism. Beyond these primary offerings, ACIC also extends its services to include specialized policies suchil as equipment breakdown, identity theft, cybersecurity, and flood insurance, providing a robust suite of protective solutions for its clientele.

    AI Analysis | Feedback

    American Coastal Insurance is like State Farm or Allstate, but focused specifically on property and casualty insurance for homes and residential condominium complexes.

    American Coastal Insurance is akin to a specialized version of Travelers or Chubb, offering property and casualty coverage primarily for residences and residential multi-unit buildings.

    AI Analysis | Feedback

    • Residential Homeowners Insurance: Provides structure, content, and liability coverage for standard single-family homeowners.
    • Renters Insurance: Offers coverage for contents and liability for individuals renting residential properties.
    • Condominium Unit Owners Insurance: Supplies structure, content, and liability coverage specifically for condominium unit owners.
    • Commercial Multi-Peril Property Insurance: Provides coverage for residential condominium associations and apartments against loss or damage to buildings, inventory, and equipment from perils like fire, wind, hail, water, theft, and vandalism.
    • Equipment Breakdown Insurance: Covers financial losses resulting from the mechanical or electrical breakdown of essential equipment.
    • Identity Theft Insurance: Offers protection and assistance for expenses and damages incurred due to identity theft.
    • Cyber Security Insurance: Provides coverage for losses and liabilities arising from cyberattacks, data breaches, and other cyber incidents.
    • Flood Insurance: Protects against financial losses caused by flood damage to insured properties.

    AI Analysis | Feedback

    American Coastal Insurance (ACIC) primarily sells its insurance policies to individuals and organizations that own or manage residential properties. Its major customer categories include:

    • Single-Family Homeowners: Individuals seeking coverage for their standard single-family homes.
    • Renters and Condominium Unit Owners: Individuals looking for structure, content, and liability coverage for rented properties or individual condominium units.
    • Residential Condominium Associations and Apartment Owners: Commercial entities or associations that own or manage multi-unit residential properties, requiring multi-peril property insurance for their buildings, inventory, and equipment.

    AI Analysis | Feedback

    Major Suppliers of American Coastal Insurance (ACIC)

    • Swiss Reinsurance Company Ltd. (Parent Company: Swiss Re Ltd., Symbol: SREN on SIX Swiss Exchange)
    • Munich Reinsurance America, Inc. (Parent Company: Munich Re, Symbol: MUV2 on XETRA)
    • Everest Reinsurance Company (Parent Company: Everest Group, Ltd., Symbol: EG on NYSE)
    • Renaissance Reinsurance Ltd. (Parent Company: RenaissanceRe Holdings Ltd., Symbol: RNR on NYSE)
    • PartnerRe Ltd. (Private Company)
    • Arch Reinsurance Company (Parent Company: Arch Capital Group Ltd., Symbol: ACGL on NASDAQ)
    • Transatlantic Reinsurance Company (Parent Company: Berkshire Hathaway Inc., Symbol: BRK.A, BRK.B on NYSE)

    AI Analysis | Feedback

    B. Bradford Martz, President and Chief Executive Officer

    B. Bradford Martz was appointed Chief Executive Officer of American Coastal Insurance Corporation in February 2025, having served as President since July 2020. Previously, he was the Chief Financial Officer from October 2012 to January 2024. Prior to joining American Coastal, Mr. Martz held various financial leadership roles at Bankers Financial Corporation, where he became CFO in 2007. He also served as the Chief Financial Officer of Bonded Builders Service Corporation for approximately six years before 2001. Mr. Martz is a Certified Public Accountant and holds the Global Certified Management Accountant designation.

    Svetlana Castle, Chief Financial Officer

    Svetlana Castle was appointed Chief Financial Officer of American Coastal Insurance Corporation in January 2024. Before joining ACIC, Ms. Castle spent 16 years at Bankers Financial Corporation, a Florida-based holding company, where her roles included Chief Financial Officer for various property and casualty insurance companies and Chief Accounting Officer for the Holding Company. Her experience encompasses oversight of accounting, treasury, investments, financial planning and analysis, audit functions, reinsurance, due diligence (both buy and sell side), regulatory compliance, and presentations to rating agencies. Ms. Castle is a Certified Public Accountant.

    Chris Griffith, Chief Information Officer & Chief Operating Officer

    Chris Griffith has served as American Coastal Insurance Corporation's Chief Information Officer since October 2018 and as Chief Operating Officer since July 2021. Before joining the company, Mr. Griffith was the Vice President and Chief Information Officer of Safety National Casualty Corp, a specialty insurance and reinsurance provider and a member of the Tokio Marine Group. He has over 12 years of experience in the insurance industry and more than 20 years in technology-related fields, with a strong background in data and digital innovation.

    James Andrew (Andy) Gray, Chief Compliance and Risk Officer

    James Andrew (Andy) Gray is the Chief Compliance and Risk Officer for American Coastal Insurance Corporation. He has held various roles at ACIC in finance, internal audit, and enterprise risk management since 2017, and previously served as CFO of American Coastal Insurance Company from 2015 to 2017. From 1993 through 2015, Mr. Gray was with Thomas Howell Ferguson PA (THF), becoming a Shareholder in 1997, where he specialized in audit, tax, compliance, and strategic planning within the insurance industry. Earlier in his career, from 1987 to 1993, he worked for Ernst & Whinney, Arthur Young, and Ernst & Young as a member of the southeast regional insurance tax practice.

    R. Daniel Peed, Executive Chairman of the Board

    R. Daniel Peed transitioned from his role as CEO to Executive Chairman of the Board of American Coastal Insurance Corporation effective February 11, 2025. Mr. Peed founded American Coastal in 2007 and continues to provide strategic guidance to support the company's long-term growth and value creation.

    AI Analysis | Feedback

    The key risks to American Coastal Insurance (ACIC) are primarily driven by its concentration in the Florida insurance market.

    Key Risks to American Coastal Insurance (ACIC)

    1. Exposure to Catastrophic Events and Severe Weather: American Coastal Insurance operates predominantly in Florida, making it highly susceptible to significant losses from catastrophic events and severe weather conditions, particularly hurricanes and tropical storms. The frequency and severity of these events can lead to substantial claims and adversely affect the company's financial results.
    2. Reinsurance Market Dynamics: The cost, availability, and effectiveness of reinsurance are crucial for ACIC to mitigate its exposure to large-scale catastrophic losses. Fluctuations in the reinsurance market, including increased costs or reduced availability, can materially impact the company's risk profile, underwriting capacity, and financial stability.
    3. Regulatory and Legal Environment in Florida: The complex and evolving insurance regulatory and legal landscape in Florida poses a significant risk. Changes in state insurance regulations, legal precedents, or legislative actions can affect ACIC's operational costs, pricing strategies, claims handling, and overall profitability.

    AI Analysis | Feedback

    The rise of Insurtech companies leveraging artificial intelligence, data analytics, and direct-to-consumer distribution models to offer property and casualty insurance. These technology-driven platforms streamline the policy acquisition and claims process, potentially offering more competitive pricing and a superior customer experience compared to traditional insurers operating through independent agencies, thus threatening ACIC's established business model and market share.

    AI Analysis | Feedback

    The addressable markets for American Coastal Insurance Corporation's (ACIC) main products and services in the United States are as follows:

    • Residential Property Insurance: The United States homeowners insurance market size is projected to be USD 184.59 billion in 2026.
    • Commercial Property Insurance: The commercial property insurance market in the United States is estimated to reach $422.74 billion in 2026.
    • Equipment Breakdown Insurance: The equipment breakdown insurance market in North America was valued at USD 1.4 billion in 2024.
    • Identity Theft Insurance: The U.S. identity theft protection services market size was $5.6 billion in 2024.
    • Cyber Security Insurance: The U.S. cyber insurance market had approximately $9.14 billion in direct written premiums in 2024.
    • Flood Insurance: The U.S. flood insurance market (including both private and federal policies) was $4.1 billion in 2024.

    AI Analysis | Feedback

    American Coastal Insurance Corporation (ACIC) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives and favorable market conditions:

    1. Expansion into the Excess & Surplus (E&S) Market: American Coastal Insurance Corporation has revealed plans to enhance its business profile by introducing new revenue and earnings growth pathways in the Excess & Surplus (E&S) market. Management anticipates these new E&S market expansion plans are underway.
    2. Strategic Adjustments to Quota Share Cessions: The company has been strategically stepping down its gross catastrophe quota share. Notably, it reduced its gross catastrophe quota share from 20% to 15% effective June 1, 2025, following a previous reduction from 40% to 20% effective June 1, 2024. This move directly contributes to higher net premiums earned, a key component of revenue. The external quota share is expected to remain at 15% from June 1, 2025, to May 31, 2026, with potential for further reductions based on reinsurance costs and availability.
    3. Introduction of New Products and Diversification: American Coastal Insurance is focusing on diversifying its portfolio, including the introduction of a new apartment building insurance product. This new product launch, alongside general market expansion plans, is anticipated to bolster future growth prospects.
    4. Benefiting from Florida Legislative Reforms: Florida's legislative reforms have contributed to reduced reinsurance costs and lower incurred losses, thereby enhancing the company's competitive edge in the market. This improved operating environment is expected to support the company's ability to grow its premium volume more effectively.

    AI Analysis | Feedback

    Capital Allocation Decisions for American Coastal Insurance (ACIC)

    Share Repurchases

    • The Board of Directors has authorized a share repurchase program of up to $25 million.
    • As of recent reports, no buybacks have been executed under this authorization.

    Share Issuance

    • The number of shares outstanding for American Coastal Insurance has generally increased over the last 3-5 years, indicating share issuance.
    • Shares outstanding grew from approximately 42.97 million at the end of 2021 to 48.66 million by the end of 2025.

    Capital Expenditures

    • American Coastal Insurance invested $59,000 in capital expenditures during the fourth quarter of 2025, primarily for funding long-term assets and infrastructure.

    Peer Outperformance in Property & Casualty Insurance

    ACIC has outperformed 90% of its 40 Property & Casualty Insurance peers over 5Y. Property & Casualty Insurance ranks 5th of 18 industries in Financials by median 5Y return.
    Share of Property & Casualty Insurance constituents that ACIC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    20%
    of 45 industry peers · -0.6% return
    3Y
    46%
    of 41 industry peers · 64.0% return
    5Y
    90%
    of 40 industry peers · 218.2% return
    No Property & Casualty Insurance peer with a comparable growth profile has beaten ACIC by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Property & Casualty Insurance is ACIC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 34.8%72.3%116.9% SPNT 169% · RGA 140% · RNR 137%
    Investment Banking & Brokerage 13 -10.3%107.9%99.8% IBKR 386% · SNEX 175% · HOOD 158%
    Diversified Banks 12 29.9%162.0%88.9% CM 144% · RY 129% · JPM 125%
    Life & Health Insurance 20 16.3%54.8%80.0% JXN 510% · UNM 287% · MFC 184%
    Property & Casualty Insurance ← 41 16.7%74.7%63.3% TRV 168% · PGR 163% · ACGL 156%
    Multi-line Insurance 9 6.9%67.4%58.9% GNW 106% · L 99% · AIZ 89%
    Regional Banks 265 30.6%101.4%54.9% CBC 247% · FCNCA 187% · NIC 148%
    Multi-Sector Holdings 3 3.6%62.9%53.2% BRK-B 87% · VOYA 53% · JEF 35%
    Financial Exchanges & Data 15 3.3%41.5%22.8% CBOE 161% · VIRT 156% · CME 66%
    Insurance Brokers 15 -1.5%9.6%17.7% LIFE 384% · ARX 89% · AJG 67%
    Asset Management & Custody Banks 85 -12.0%23.3%8.4% WT 274% · VCTR 251% · AAMI 220%
    Consumer Finance 30 2.5%82.6%5.4% ENVA 455% · FCFS 122% · AXP 94%
    Diversified Financial Services 4 -6.0%20.6%4.8% FRHC 166% · EQH 84%
    Commercial & Residential Mortgage Finance 14 -53.6%28.1%-1.6% FNMA 372% · FMCC 318% · ACT 160%
    Specialized Finance 3 10.3%42.3%-9.6% CACC -10% · HASI -23%
    Mortgage REITs 34 -19.4%-2.7%-33.7% RITM 35% · DX 21% · AGNC 12%
    Transaction & Payment Processing Services 17 2.8%15.9%-38.5% V 98% · MA 89% · CPAY 57%
    Diversified Capital Markets 20 -49.5%20.9%-60.1% LPLA 58% · TW 40% · RIOT -48%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Peer Comparisons

    Peers to compare with:

    Financials

    ACICHRTGUVEHCIPLMRKNSLMedian
    NameAmerican.Heritage.Universa.HCI Palomar Kinsale . 
    Mkt Price10.8635.2545.99194.65136.44361.8691.22
    Mkt Cap0.51.11.32.43.68.11.8
    Rev LTM3307961,6309531,0941,9531,023
    Op Inc LTM-------
    FCF LTM-31298340409407973373
    FCF 3Y Avg155153276420318965297
    CFO LTM-31305344411415996378
    CFO 3Y Avg155161281425326995304

    Growth & Margins

    ACICHRTGUVEHCIPLMRKNSLMedian
    NameAmerican.Heritage.Universa.HCI Palomar Kinsale . 
    Rev Chg LTM3.3%-1.8%4.0%22.8%60.9%8.3%6.2%
    Rev Chg 3Y Avg9.4%4.5%7.9%24.9%47.0%20.9%15.1%
    Rev Chg Q-4.5%3.0%6.7%11.2%56.4%-8.6%4.8%
    QoQ Delta Rev Chg LTM-1.2%0.8%1.7%2.7%11.6%-2.1%1.2%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM-9.3%38.3%21.1%43.2%38.0%51.0%38.1%
    CFO/Rev 3Y Avg60.9%21.2%17.9%53.1%44.9%57.1%49.0%
    FCF/Rev LTM-9.4%37.4%20.8%43.0%37.2%49.8%37.3%
    FCF/Rev 3Y Avg60.8%20.2%17.6%52.5%43.8%55.4%48.1%

    Valuation

    ACICHRTGUVEHCIPLMRKNSLMedian
    NameAmerican.Heritage.Universa.HCI Palomar Kinsale . 
    Mkt Cap0.51.11.32.43.68.11.8
    P/S1.61.30.82.53.34.22.0
    P/Op Inc-------
    P/EBIT3.63.64.35.113.212.14.7
    P/E5.24.95.87.717.715.56.7
    P/CFO-17.13.53.75.88.78.24.7
    Total Yield26.2%20.7%19.1%13.8%5.7%6.8%16.4%
    Dividend Yield7.0%0.0%1.7%0.9%0.0%0.3%0.6%
    FCF Yield 3Y Avg28.0%41.4%35.1%28.9%10.0%10.7%28.5%
    D/E0.30.10.10.00.10.00.1
    Net D/E-0.3-0.6-0.5-0.4-0.1-0.3-0.4

    Returns

    ACICHRTGUVEHCIPLMRKNSLMedian
    NameAmerican.Heritage.Universa.HCI Palomar Kinsale . 
    1M Rtn17.2%6.0%8.7%11.0%10.9%11.4%11.0%
    3M Rtn-1.8%18.1%2.5%6.4%-4.2%-3.9%0.4%
    6M Rtn-8.4%19.8%18.3%26.0%10.4%9.5%14.3%
    12M Rtn-0.8%52.7%50.5%-2.6%21.4%-13.6%10.3%
    3Y Rtn63.7%502.6%259.2%256.7%177.4%6.1%217.0%
    1M Excs Rtn16.5%4.3%7.9%9.3%9.8%11.0%9.6%
    3M Excs Rtn-1.9%13.4%0.8%3.1%-3.7%-2.4%-0.5%
    6M Excs Rtn-16.9%11.1%9.8%17.5%1.9%0.9%5.8%
    12M Excs Rtn-14.8%37.0%34.5%-16.3%7.6%-28.8%-3.6%
    3Y Excs Rtn-19.6%477.7%180.8%164.7%98.2%-96.9%131.4%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/8/20263/9/202611/6/20258/7/20255/8/20253/10/202511/12/20248/8/20245/10/20243/15/202411/14/2023
    Key Financials Quarterly            
    Total Revenue827186908672798269675153
    Net Income22192732262152819241411
    EPS0.460.400.550.670.550.440.100.590.400.500.320.24
    Key Financials TTM            
    Total Revenue TTM330334335328320302296268238243267242
    Net Income TTM10010510785817376856866310-1
    Growth Rates Quarterly            
    Total Revenue Growth-4.5%-1.3%9.0%10.0%25.7%8.4%56.6%56.2%-6.6%-26.4%96.7%-27.8%
    Net Income Growth-17.2%-9.8%437.1%15.5%38.8%-9.5%-65.4%166.1%7.2%-91.2%104.8%114.9%
    Margins Quarterly            
    Net Income Margin26.5%27.1%30.8%36.0%30.6%29.6%6.2%34.3%27.7%35.5%28.3%20.1%
    Cash & Debt            
    Total Cash327229312383437333418329320359277181
    Total Debt153153152152152152152149149149149150
    Net Debt / (Cash)-174-76-159-231-284-180-266-180-171-210-128-31
    Cash Flows Quarterly            
    FCF from Operations58-6-48-36128262-91261244948
    Cash Flows TTM            
    FCF from Operations TTM-31397112014714524429134893-136-260
    Returns to Shareholders Quarterly            
    Dividends0370000000000
    Share Repurchases145-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC39.8%22.3%39.0%64.7%77.5%32.4%15.2%45.3%31.1%45.7%25.0%17.6%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM45.5%30.8%39.2%42.9%56.2%29.7%49.5%35.9%30.7%37.3%30.2%24.4%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Commercial lines business335296264222 
    Adjustments    0
    Commercial    179
    Personal    49
    Total335296264222229


    Assets by Segment
    $ Mil2023202220212020
    Commercial8961,5881,012940
    Personal851,2851,2351,370
    Adjustments71-36452539
    Assets held for disposal8   
    Total1,0602,8372,6992,849


    Price Behavior

    Price Behavior
    Market Price$10.87 
    Market Cap ($ Bil)0.5 
    First Trading Date02/23/2007 
    Distance from 52W High-13.3% 
       50 Days200 Days
    DMA Price$9.76$10.68
    DMA Trenddowndown
    Distance from DMA11.4%1.8%
     3M1YR
    Volatility31.3%32.4%
    Downside Capture82.05-2.94
    Upside Capture76.71-5.00
    Correlation (S&P 500)20.4%-3.9%
    ACIC Betas & Captures as of 9/30/2026

     1M2M3M6M1Y3Y
    Beta0.921.100.03-0.36-0.030.47
    Up Beta-1.660.43-0.64-0.46-0.210.39
    Down Beta1.28-0.07-0.73-0.890.020.32
    Up Capture97%84%-8%-28%-5%27%
    Bmk +ve Days6162766132424
    Stock +ve Days9193062127363
    Down Capture158%246%115%15%17%82%
    Bmk -ve Days16263760120328
    Stock -ve Days12223157115373

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ACIC
    ACIC-2.1%32.4%-0.04-
    Sector ETF (XLF)6.6%14.5%0.2026.0%
    Equity (SPY)13.7%12.7%0.72-4.6%
    Gold (GLD)1.8%28.3%0.05-15.7%
    Commodities (DBC)48.4%20.6%1.80-17.3%
    Real Estate (VNQ)2.8%13.9%-0.0523.1%
    Bitcoin (BTCUSD)-29.4%43.4%-0.68-1.4%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ACIC
    ACIC22.7%89.8%0.62-
    Sector ETF (XLF)8.7%18.3%0.3413.2%
    Equity (SPY)12.7%17.1%0.569.7%
    Gold (GLD)17.5%18.9%0.741.1%
    Commodities (DBC)9.1%19.5%0.351.6%
    Real Estate (VNQ)0.6%18.9%-0.0812.5%
    Bitcoin (BTCUSD)4.1%51.6%0.265.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ACIC
    ACIC-1.3%71.8%0.30-
    Sector ETF (XLF)13.2%22.1%0.5423.9%
    Equity (SPY)15.5%17.9%0.7318.7%
    Gold (GLD)12.0%16.4%0.600.2%
    Commodities (DBC)8.2%18.1%0.376.1%
    Real Estate (VNQ)5.0%20.7%0.2020.2%
    Bitcoin (BTCUSD)62.3%66.2%1.025.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity2.0 Mil
    Short Interest: % Change Since 9302026-7.7%
    Average Daily Volume0.3 Mil
    Days-to-Cover Short Interest5.9 days
    Basic Shares Quantity48.1 Mil
    Short % of Basic Shares4.1%

    Earnings Returns History

    Updated 10/2/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/5/2026-6.1%-10.2%-12.9%
    5/5/2026-12.0%-10.8%-15.0%
    2/19/2026-2.2%2.1%-0.6%
    11/5/2025-1.7%-2.9%-3.9%
    8/6/20255.2%6.9%11.7%
    5/8/2025-6.4%-7.7%-8.4%
    2/27/2025-4.3%-4.6%-9.1%
    11/6/2024-5.0%-1.0%6.2%
    ...
    SUMMARY STATS   
    # Positive898
    # Negative161516
    Median Positive12.7%15.5%10.0%
    Median Negative-4.6%-4.6%-8.4%
    Max Positive38.1%53.2%43.1%
    Max Negative-37.9%-25.4%-25.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/5/2026-6.1%-10.2%-12.9%
    5/5/2026-12.0%-10.8%-15.0%
    2/19/2026-2.2%2.1%-0.6%
    11/5/2025-1.7%-2.9%-3.9%
    8/6/20255.2%6.9%11.7%
    5/8/2025-6.4%-7.7%-8.4%
    2/27/2025-4.3%-4.6%-9.1%
    11/6/2024-5.0%-1.0%6.2%
    8/7/2024-3.3%-3.8%-6.8%
    5/9/202411.6%15.5%0.7%
    2/29/2024-14.6%-24.1%-25.7%
    11/13/202338.1%18.1%28.3%
    8/10/2023-1.6%-4.0%-3.1%
    5/15/202329.6%53.2%8.3%
    3/2/202333.0%42.6%43.1%
    11/9/2022-0.5%2.0%-3.4%
    8/8/2022-19.1%-14.3%-24.7%
    5/9/2022-37.9%-25.4%-14.3%
    2/23/20220.8%-3.1%1.0%
    11/12/202113.8%7.3%-2.9%
    8/4/2021-3.1%-0.9%-11.7%
    5/5/2021-2.4%-7.1%-8.5%
    2/24/20217.8%18.3%20.7%
    11/5/2020-7.2%-2.8%-2.1%
    SUMMARY STATS   
    # Positive898
    # Negative161516
    Median Positive12.7%15.5%10.0%
    Median Negative-4.6%-4.6%-8.4%
    Max Positive38.1%53.2%43.1%
    Max Negative-37.9%-25.4%-25.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/09/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/10/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/21/202310-Q
    03/31/202305/19/202310-Q
    12/31/202204/17/202310-K
    09/30/202211/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/08/202610-Q
    12/31/202503/09/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202403/10/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/14/202310-Q
    06/30/202308/21/202310-Q
    03/31/202305/19/202310-Q
    12/31/202204/17/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/08/202210-Q
    03/31/202205/10/202210-Q
    12/31/202103/15/202210-K
    09/30/202111/15/202110-Q
    06/30/202108/06/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/09/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/12/202010-K
    09/30/201911/05/201910-Q

    Insider Activity

    Updated 9/24/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Martz, BradPresident & CEODirectBuy92420269.1510,00091,5004,068,191Form
    2Griffith, ChristopherChief Operating OfficerDirectSell81920269.4041,672391,9141,116,566Form
    3Davis, Kern Michael Held by First ChildBuy323202611.051001,10551,117Form
    4Davis, Kern Michael Held by Second ChildBuy323202611.051001,10551,117Form
    5Davis, Kern Michael Held by First ChildBuy318202611.717008,19748,315Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Martz, BradPresident & CEODirectBuy92420269.1510,00091,5004,068,191Form
    2Griffith, ChristopherChief Operating OfficerDirectSell81920269.4041,672391,9141,116,566Form
    3Davis, Kern Michael Held by First ChildBuy323202611.051001,10551,117Form
    4Davis, Kern Michael Held by Second ChildBuy323202611.051001,10551,117Form
    5Davis, Kern Michael Held by First ChildBuy318202611.717008,19748,315Form
    6Davis, Kern Michael Held by Second ChildBuy318202611.717008,19748,315Form
    7Crawford, Troy JChief Underwriting OfficerDirectBuy224202611.093,20035,472139,505Form
    8Griffith, ChristopherChief Operating OfficerDirectSell1112202511.8618,409218,3311,221,841Form

    Industry Resources

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