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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
$541.83M
Enterprise Value-$290.20M
Total Cash (Recent Filing)$229.93M
Total Debt (Recent Filing)$152.51M
Price to Earnings (P/E)5.1
Beta0.45
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-0.54
Enterprise Value/Revenue-0.87
Enterprise Value/Gross Profit-1.22
Enterprise Value/Ebitda-1.77
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.96
Revenue Forecast (FY)$563.11M
Bulls Say, Bears Say
Bulls Say
Underwriting Profitability & MarginsConsistently low combined ratios show disciplined underwriting and pricing discipline across catastrophe‑exposed books. Durable underwriting strength reduces volatility of earnings, permits capital accumulation, and supports sustainable margins and ROE even through adverse loss seasons.
Strengthened Catastrophe Reinsurance ProgramA materially larger, multi‑layer reinsurance structure with cat bonds and a quota share lowers tail risk and reduces earnings sensitivity to large events. Improved exhaustion points and lower reinstatement risk enhance capital efficiency and make underwriting returns more sustainable over time.
Strong Capital & Liquidity BufferMeaningful liquid assets and explicit excess capital provide strategic optionality for retention choices, reinsurance layering, E&S expansion, or targeted buybacks. This capital cushion improves solvency resilience and supports measured growth without eroding balance sheet strength.
Bears Say
Declining Net Premiums & Timing RiskTop‑line pressure from lower earned premiums and rate softness compresses revenue base and limits scale advantages. Dependence on the second quarter for the bulk of premium production concentrates execution risk and can force volatile annual guidance and deployment choices.
Highly Variable Cash Flow And Past Equity StrainLarge swings in cash generation and historic episodes of negative equity undermine confidence in internal funding for claims and growth. Volatile FCF complicates reinsurance retention planning and capital allocation, requiring conservative buffers that can slow durable expansion.
Growth Dependent On Third‑party Capacity & Competitive MarketsPlanned specialty/E&S expansion hinges on external capacity and partner economics, while competitive pressure in core markets (e.g., Florida) forces selective account exits. Reliance on third parties and tough regional markets can limit scalable, predictable growth and margin capture.
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 $541.83M.
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 32 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 $0.75 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 0.42.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
― (―)
― (―)
Hedge Fund Trend
Increased
By 254.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 19.5%
Last 30 Days ▲ 3.6%
Last 30 Days ▲ 3.6%
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, 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
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
―Technical Analysis
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Ownership Overview
42.99% Insiders
5.47% Mutual Funds
0.31% Other Institutional Investors
42.20% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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