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ACIC Stock Chart & Stats
$9.43
$0.45(4.32%)
At close: 4:00 PM EDT
$9.43
$0.45(4.32%)
Day’s Range― - ―
52-Week Range$9.01 - $13.06
Previous Close$10.86
Volume382.49K
Average Volume (3M)250.39K
Market Cap
$473.98M
Enterprise Value$699.81M
Total Cash (Recent Filing)$328.04M
Total Debt (Recent Filing)$152.54M
Price to Earnings (P/E)4.7
Beta0.52
Next Earnings
Nov 11, 2026EPS Estimate
0.1Next Dividend Ex-DateN/A
Dividend Yield6.59%
Share Statistics
EPS (TTM)2.08
Shares Outstanding48,464,046
10 Day Avg. Volume262,226
30 Day Avg. Volume250,394
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 Cap1.48
Enterprise Value/Revenue2.12
Enterprise Value/Gross Profit3.02
Enterprise Value/Ebitda4.73
Forecast
1Y Price Target
$13.00Price Target Upside37.86% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.98
Revenue Forecast (FY)$533.39M
Bulls Say, Bears Say
Bulls Say
Strong Underwriting ProfitabilityA 68.7% underlying combined ratio indicates that pricing, risk selection, and claims performance are currently producing strong underwriting economics. This supports recurring profitability and gives ACIC a durable base from which to manage catastrophe exposure and reinvest in growth.
Durable Distribution PartnershipThe restructured agreement removes a fixed expiration date and requires 48 months’ notice for convenience termination. Securing AmRisc supports continuity in ACIC’s Florida franchise and E&S distribution, strengthening durable access to underwriting opportunities.
Improving Capital PositionHigher equity and the planned debt reduction should improve financial flexibility and reduce balance-sheet leverage over the coming periods. A stronger capital base can help ACIC absorb catastrophe volatility, support underwriting capacity, and sustain shareholder returns.
Bears Say
Inconsistent Cash GenerationThe shift from strong cash generation to approximately $31 million of TTM operating and free cash outflow shows that accounting profitability has not translated consistently into cash. Unpredictable conversion can constrain capital allocation and resilience through the insurance cycle.
Premium And Revenue PressureLower premiums and reduced revenue guidance indicate that softer pricing and declining average premium are pressuring top-line growth. If these conditions persist into 2027, ACIC may have less revenue to support fixed costs and fewer opportunities to compound underwriting earnings.
Leadership Execution RiskThe departure of an executive responsible for operations and information systems creates a transition requirement across important execution functions. Changes in management structure may temporarily complicate strategic delivery, operational continuity, and oversight of technology-dependent processes.
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 $9.01 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 $473.98M.
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 31 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 6.59%. See more information on American Coastal Insurance dividends here
What is American Coastal Insurance’s EPS estimate?
American Coastal Insurance’s EPS estimate is 0.1.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$13.00 (37.86% Upside)
$13.00 (37.86% Upside)
Blogger Sentiment
Neutral
ACIC Sentiment 100%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 911.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $492.4K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 3.1%
Last 30 Days ▼ 1.9%
Last 30 Days ▼ 1.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.71%
12-Months-Change
Fundamentals
Return on Equity
30.43%
Trailing 12-Months
Asset Growth
-2.05%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
▲(37.86% Upside)
Technical Analysis
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Ownership Overview
42.92% Insiders
5.47% Mutual Funds
0.14% Other Institutional Investors
40.99% Public Companies and
Individual Investors