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
$504.70M
Enterprise Value-$361.18M
Total Cash (Recent Filing)$1.96B
Total Debt (Recent Filing)$155.62M
Price to Earnings (P/E)5.8
Beta0.59
Next Earnings
Aug 12, 2026EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.18
Shares Outstanding48,342,810
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-0.72
Enterprise Value/Revenue-1.08
Enterprise Value/Gross Profit-1.69
Enterprise Value/Ebitda-2.19
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.48
Revenue Forecast (FY)$563.11M
Bulls Say, Bears Say
Bulls Say
Disciplined Underwriting And Stable MarginsConsistently low combined ratios reflect durable underwriting discipline and margin sustainability. For a P&C insurer focused on coastal condo risk, maintaining sub-70% combined ratios indicates structural pricing adequacy, loss control and selective risk acceptance that should support profits across multiple quarters and lower earnings volatility.
Strengthened Catastrophe Reinsurance ProgramRaising exhaustion points and lowering reinsurance costs materially reduces tail exposure to multi-event catastrophes. This structural improvement lowers capital volatility and earnings sensitivity to large storms, enabling the company to underwrite coastal risk more confidently and preserve capital over medium-term planning horizons.
Solid Capital Position And Excess LiquidityA substantial cash/investment buffer and stated excess capital provide durable financial flexibility for reinsurance placements, reserve strengthening, selective growth or opportunistic capital returns. That cushion reduces refinancing risk and supports strategic initiatives like E&S expansion without immediate strain on operations.
Bears Say
Volatile Operating And Free Cash FlowLarge year-to-year swings in cash conversion reduce visibility into the firm’s ability to fund claims, reinsurance and growth from internal sources. Persistent cash volatility forces reliance on capital markets or retained capital, increasing funding cost and limiting predictable capital deployment over the coming 2–6 months.
Revenue Timing Concentration On Q2 Premium ProductionHeavy seasonality concentrated in one quarter makes annual guidance sensitive to execution and timing risk. If Q2 production underperforms, it can materially alter underwriting leverage, reinsurance economics and growth plans, compressing near-term operating flexibility and increasing uncertainty for capital allocation decisions.
Intense Competitive Pressure In Core Florida MarketAggressive competition in a primary market can force rate concessions or attrition of targeted account types, undermining long-term premium yield and retention. Walking away from business preserves margins but can slow growth, reduce scale advantages and raise customer acquisition costs if competitive dynamics persist.
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 $504.70M.
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 97 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 0.44.
How many shares outstanding does American Coastal Insurance have?
American Coastal Insurance has 48,342,810 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
Outperform
1
2
3
4
5
6
7
8
9
10
Hedge Fund Trend
Increased
By 18.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $63.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▲ 0.3%
Last 30 Days ▼ 1.9%
Last 30 Days ▼ 1.9%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.88%
12-Months-Change
Fundamentals
Return on Equity
35.67%
Trailing 12-Months
Asset Growth
5.63%
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 summariesTechnical Analysis
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Ownership Overview
43.18% Insiders
5.02% Mutual Funds
1.06% Other Institutional Investors
42.77% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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