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ACIC Stock Chart & Stats
$10.86
$0.45(4.32%)
At close: 4:00 PM EDT
$10.86
$0.45(4.32%)
Day’s Range― - ―
52-Week Range$9.10 - $13.06
Previous Close$10.86
Volume382.49K
Average Volume (3M)145.03K
Market Cap
$444.90M
Enterprise Value$699.81
Total Cash (Recent Filing)$328.04M
Total Debt (Recent Filing)$152.54M
Price to Earnings (P/E)4.4
Beta0.50
Next Earnings
Nov 11, 2026EPS Estimate
0.03Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.08
Shares Outstanding48,464,046
10 Day Avg. Volume117,144
30 Day Avg. Volume145,026
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)1.93
Price to Sales (P/S)1.83
P/FCF Ratio8.64
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$13.00Price Target Upside19.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.91
Revenue Forecast (FY)$516.93M
Bulls Say, Bears Say
Bulls Say
Underwriting Strength & ROEConsistently strong underlying underwriting metrics and a high return on equity indicate disciplined risk selection and pricing. Durable underwriting outperformance supports recurring profitability, helps rebuild capital through cycles, and reduces reliance on investment gains for earnings.
Catastrophe Reinsurance & Risk TransferA materially expanded catastrophe program and added catastrophe bond capacity lower peak-loss exposure and reduce earnings volatility from hurricanes. Lowered reinsurance costs and broader multi-year protection improve reserve capital efficiency and support stable underwriting over multiyear cycles.
Improving Capital Position & Capital ReturnRising book value, higher equity and available liquidity signal capital rebuilding after earlier stress. Management's buybacks and explicit debt-reduction plan reinforce disciplined capital allocation, lowering leverage and increasing resilience to future catastrophe losses and underwriting cycles.
Bears Say
Inconsistent Cash GenerationVolatile and recently negative trailing cash flow undermines an insurer's capacity to fund claims, buy reinsurance, and execute debt reduction consistently. Persistent cash conversion weakness raises risk that earnings won't reliably translate to sustainable free cash for capital needs.
Top-line Pressure & Lowered Revenue GuidanceA weaker pricing environment and lowered revenue guidance reflect structural softness in core markets. Reduced gross written premiums and slower premium growth limit scale, constrain margin leverage, and make underwriting profits more sensitive to expense and acquisition-cost pressure.
Underwriting Margin CompressionA notable widening of the underlying combined ratio signals erosion in underwriting profitability after adjustment for catastrophes. If sustained, margin compression will require higher rates, tighter selection, or cost cuts to restore prior return levels, challenging long-term earnings durability.
American Coastal Insurance News
ACIC FAQ
What was American Coastal Insurance’s price range in the past 12 months?
American Coastal Insurance lowest stock price was $9.10 and its highest was $13.05 in the past 12 months.
What is American Coastal Insurance’s market cap?
American Coastal Insurance’s market cap is $444.90M.
When is American Coastal Insurance’s upcoming earnings report date?
American Coastal Insurance’s upcoming earnings report date is Nov 11, 2026 which is in 78 days.
How were American Coastal Insurance’s earnings last quarter?
American Coastal Insurance released its earnings results on Aug 05, 2026. The company reported $0.33 earnings per share for the quarter, missing the consensus estimate of $0.42 by -$0.09.
Is American Coastal Insurance overvalued?
According to Wall Street analysts American Coastal Insurance’s price is currently Undervalued.
Does American Coastal Insurance pay dividends?
American Coastal Insurance pays a Notavailable dividend of $0.75 which represents an annual dividend yield of N/A. See more information on American Coastal Insurance dividends here
What is American Coastal Insurance’s EPS estimate?
American Coastal Insurance’s EPS estimate is 0.03.
How many shares outstanding does American Coastal Insurance have?
American Coastal Insurance has 48,464,046 shares outstanding.
What happened to American Coastal Insurance’s price movement after its last earnings report?
American Coastal Insurance reported an EPS of $0.33 in its last earnings report, missing expectations of $0.42. Following the earnings report the stock price went down -6.119%.
Which hedge fund is a major shareholder of American Coastal Insurance?
Currently, no hedge funds are holding shares in ACIC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
American Coastal Insurance Stock Smart Score
Underperform
1
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5
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$13.00 (19.71% Upside)
$13.00 (19.71% Upside)
Blogger Sentiment
Neutral
ACIC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 911.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $391.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.6%
Last 30 Days ▼ 2.2%
Last 30 Days ▼ 2.2%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.88%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-2.05%
Trailing 12-Months
Company Description
American Coastal Insurance
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
ACIC Company Deck
ACIC Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a balanced picture: the company remains profitable with healthy underlying underwriting metrics (68.7% underlying combined ratio), strong quarterly net income ($21.9M) and a high ROE (26.6%), improved book value and an active capital return program. However, soft market dynamics are pressuring premiums (GWP down ~5%), reported combined ratio widened to 74.3% (up 13.7 points), core income declined, revenue guidance was trimmed, and certain strategic growth initiatives (E&S cadence and multifamily) are behind expectations or constrained by rating/fronter issues. Management has taken proactive steps (reinsurance retention buy-down, buybacks, planned debt reduction) to preserve earnings quality and capital returns, but near-term top-line and margin pressures persist.View all ACIC earnings summariesACIC Stock 12 Month Forecast
Average Price Target
$13.00
▲(19.71% Upside)
Technical Analysis
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Ownership Overview
42.95% Insiders
5.47% Mutual Funds
8.09% Other Institutional Investors
33.88% Public Companies and
Individual Investors