American Coastal Insurance (ACIC)
NASDAQ:ACIC
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ACIC Stock Chart & Stats
$11.47
$0.17(1.40%)
At close: 4:00 PM EST
$11.47
$0.17(1.40%)
Day’s Range― - ―
52-Week Range$9.80 - $13.06
Previous CloseN/A
Volume82.45K
Average Volume (3M)145.03K
Market Cap
$522.44M
Enterprise Value-$275.18M
Total Cash (Recent Filing)$1.78B
Total Debt (Recent Filing)$152.51M
Price to Earnings (P/E)7.1
Beta0.46
Next Earnings
Aug 12, 2026EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.17
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-0.53
Enterprise Value/Revenue-0.82
Enterprise Value/Gross Profit-1.16
Enterprise Value/Ebitda-1.69
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.41
Revenue Forecast (FY)$563.11M
Bulls Say, Bears Say
Bulls Say
Underwriting Discipline & Stable MarginsConsistently low combined ratios reflect disciplined underwriting and pricing control across catastrophe‑exposed portfolios. Sustained underwriting profitability supports durable earnings, high ROE, and capital build over multiple quarters, lowering reliance on investment income to drive results.
Strengthened Catastrophe ReinsuranceA materially expanded June 1 reinsurance program with higher exhaustion points, added cat bonds and lower risk‑adjusted cost reduces tail volatility and loss sensitivity. Improved reinsurance structure sustainably lowers earnings’ exposure to large storms and supports capacity to write coastal business.
Robust Capital & Liquidity PositionSubstantial cash, liquid investments and reported excess capital provide durable financial flexibility to absorb catastrophe losses, fund E&S expansion, and opportunistically deploy capital. This buffer improves resilience, lowers solvency risk, and enables strategic underwriting choices over multiple quarters.
Bears Say
Revenue And Cash‑Flow VolatilityLarge year‑over‑year swings in revenue and FCF reflect sensitivity to premium timing, catastrophe hits and reinsurance placements. Persistent volatility undermines predictability of internally generated capital, complicating reserve planning, capital returns and consistent execution of growth initiatives.
Guidance Dependent On Q2 Premium TimingConcentration of premium production in a single strong quarter creates timing risk for annual targets. Reliance on Q2 inflows can cause swings in reported results and forces management to leave guidance exposed to seasonal and market dynamics, reducing near‑term visibility for capital allocation.
Competitive Pressure In Core Florida MarketIntense price competition in Florida risks margin compression and loss of scale if ACIC continues to cede or decline business. Selective nonrenewals protect loss ratios but can slow premium growth and reduce diversification in the company’s most important, catastrophe‑exposed market.
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 $9.79 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 $522.44M.
When is American Coastal Insurance’s upcoming earnings report date?
American Coastal Insurance’s upcoming earnings report date is Aug 12, 2026 which is in 76 days.
How were American Coastal Insurance’s earnings last quarter?
American Coastal Insurance released its earnings results on May 05, 2026. The company reported $0.39 earnings per share for the quarter, missing the consensus estimate of $0.44 by -$0.05.
Is American Coastal Insurance overvalued?
According to Wall Street analysts American Coastal Insurance’s price is currently Overvalued.
Does American Coastal Insurance pay dividends?
American Coastal Insurance pays a Notavailable dividend of $0.5 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 0.42.
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 $0.39 in its last earnings report, missing expectations of $0.44. Following the earnings report the stock price went down -12.047%.
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
Neutral
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
― (―)
― (―)
Hedge Fund Trend
Increased
By 254.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $27.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days <0.1%
Last 30 Days ▼ 2.5%
Last 30 Days ▼ 2.5%
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
33.02%
Trailing 12-Months
Asset Growth
-5.01%
Trailing 12-Months
Company Description
American Coastal Insurance
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, 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 August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
ACIC Company Deck
ACIC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong underwriting discipline, solid profitability (net income $19.3M) and a successful reinsurance renewal that materially improves catastrophe protection and reduces risk-adjusted reinsurance costs. Management highlighted stable margins (combined ratio 66%, underlying 68.3%), improved book value and sizable excess capital ($150M–$200M). Key initiatives — E&S expansion, Skyway fronting and AI-driven efficiency — offer growth and margin-leverage potential. Offsetting these positives are front-end rate declines that reduced net premium earned (core income down $1.4M), competitive pressures in Florida, dependence on second-quarter premium production for full-year guidance, modest reductions in other income (-$0.9M) and some remaining uncertainty around final reinsurance retentions and capital-deployment timing. On balance, the positives (strong underwriting, enhanced reinsurance, solid capital and targeted growth initiatives) outweigh the headwinds, supporting a constructive outlook.View all ACIC earnings summariesACIC Stock 12 Month Forecast
Average Price Target
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Ownership Overview
2.56% Insiders
5.13% Mutual Funds
11.90% Other Institutional Investors
72.43% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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