American Coastal Insurance Corporation (ACIC) Stock Price & Analysis
American Coastal Insurance Corporation (ACIC) closed at USD 10.93 on Thursday, October 29, 2026, up 0.55% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 10.87; the Oct 29, 2026 session ranged USD 10.86–11.13 on volume of 269,329 shares. Market capitalization is $516.66M, with a 52-week range of USD 9.01–13.06 (NCM). Source: Nexqual, retrieved October 29, 2026 at 20:06 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ACIC.md
Key facts (ACIC)
- Last four reported quarters (through Jun 30, 2026): revenue $331M, net income $100M (30.3% margin), free cash flow -$31.0M (SEC filings).
- Valuation: P/E 5.2x (avg 5.4x at the last 3 fiscal year-ends), EV/EBITDA 3.3x, net cash $69.4M.
- Analysts: Hold (mean 3.00 on a 1–5 scale) (1 analysts).
- Total return with dividends: 1Y -0.9% vs S&P 500 +14.4%; 5Y +225.8% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29, EPS estimate USD 0.47, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ACIC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $229M | $222M | $264M | $297M | $335M | $331M |
| Operating income | -$10.5M | -$8.7M | $93.9M | $99.6M | $140M | $133M |
| Net income | -$57.9M | -$470M | $310M | $75.7M | $107M | $100M |
| EPS (diluted) | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 | — |
| Free cash flow | -$301M | -$176M | -$136M | $243M | $70.9M | -$31.0M |
| Operating margin | -4.6% | -3.9% | 35.5% | 33.6% | 41.8% | 40.2% |
| Net margin | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% | 30.3% |
| Revenue growth | -73.0% | -3.1% | +19.3% | +12.2% | +13.1% | — |
| Cash + short-term investments | $212M | $70.9M | $139M | $137M | $199M | — |
| Total debt | $159M | $150M | $150M | $150M | $150M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ACIC)
P/E 5.2x · P/S 1.6x · EV/EBITDA 3.3x · EV/Sales 1.4x · P/B 1.5x · FCF yield -6.01% · Earnings yield 19.39% · Net cash $69.4M · EV $447M
P/E at fiscal year-ends: Dec 2025 5.9x, Dec 2024 8.8x, Dec 2023 1.4x.
Analysts (ACIC)
Consensus Hold (mean 3.00 on a 1–5 scale), 1 analysts.
Total return (dividends reinvested) (ACIC)
| 1Y (from 2025-10-30) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -0.9% | +225.8% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | -0.9% | +26.6% |
| Volatility (annualized) | 31.9% | 71.2% |
| Max drawdown | -26.2% (Dec 2025→Sep 2026) | -93.8% (Nov 2021→Nov 2022) |
ACIC earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $0.33 | $0.42 | Miss −21.4% | — |
| — | Quarter ended Mar 31, 2026 | $0.39 | $0.44 | Miss −11.4% | — |
| — | Quarter ended Dec 31, 2025 | $0.52 | $0.42 | Beat +23.8% | — |
| — | Quarter ended Sep 30, 2025 | $0.61 | $0.39 | Beat +56.4% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
ACIC recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Oct 29, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
| Oct 2, 2026 | 8-K | Director or executive officer change, or pay arrangement “On October 2, 2026, American Coastal Insurance Corporation (the "Company) announced that Mr. Christopher Griffith has resigned from the position of Chief Operating Officer and Chief Information Officer of the Company effective October 1, 2026, to pursue another opportunity.” |
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 5, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
ACIC suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | AmRisc | “Because we rely on insurance agents, the loss of these agent relationships, particularly our relationship with AmRisc, or our inability to attract and incentivize new agents could have an adverse impact on our business.” |
| Partner | Skyway Underwriters | “Our apartment and assisted living facility policies are marketed and distributed by Skyway Underwriters through multiple wholesaler partners that specialize in commercial residential insurance.” |
| Partner | Forza Insurance Holdings | “As described in Note 1, on May 9, 2024, we entered into the Sale Agreement with Forza in which ACIC agreed to sell and Forza agreed to acquire 100% of the issued and outstanding stock of IIC.” |
Quoted from the company's 10-K filed Mar 9, 2026.
ACIC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.47 | $-0.13 | +$0.59 | $0 | 1 |
| Next quarter (ends Dec 2026) | $0.14 | $0.28 | -50.0% | $0 | 1 |
| Current fiscal year (ends Dec 2026) | $1.33 | $0.96 | +38.5% | $381.7M | 1 |
| Next fiscal year (ends Dec 2027) | $1.28 | $1.01 | +26.1% | $0 | 1 |
Key Statistics (as of October 29, 2026 at 20:06 UTC)
| Price | USD 10.93 |
|---|---|
| Change | ▲ 0.55% (up) |
| Previous Close | USD 10.87 |
| Open | USD 10.91 |
| Day Range | USD 10.86 – 11.13 |
| 52-Week Range | USD 9.01 – 13.06 |
| Volume | 269,329 shares |
| Market Cap | $516.66M |
| Exchange | NCM |
Technical Analysis (ACIC)
Nexqual's technical model rates ACIC "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 20:06 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 62.6 (neutral) |
| vs SMA50 | Above (USD 9.78) |
| MACD | 0.4 (positive) |
Analyst Ratings (ACIC)
Wall Street analysts rate ACIC "Hold" based on 1 analysts, per Nexqual as of October 29, 2026 at 20:06 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 1 |
| Buy / Hold / Sell | 0 / 1 / 0 |
Earnings (ACIC)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 0.47 |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.33 vs est 0.42 ▼ miss |
| 2026-03-31 | USD 0.39 vs est 0.44 ▼ miss |
| 2025-12-31 | USD 0.52 vs est 0.42 ▲ beat |
| 2025-09-30 | USD 0.61 vs est 0.39 ▲ beat |
Source: Nexqual, October 29, 2026 at 20:06 UTC.
Financials & Fundamentals (ACIC)
| Total Revenue | $330.59M |
|---|---|
| Revenue Growth (latest quarter, YoY) | -4.50% |
| Gross Margin | +56.62% |
| Operating Margin | +37.28% |
| Profit Margin | +30.31% |
| ROE | +31.65% |
| Debt / Equity | 0.45 |
| Current Ratio | 1.08 |
| Total Cash | $235.62M |
| Total Debt | $152.54M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | -$31.04M (-9.4% of revenue) |
Source: Nexqual, October 29, 2026 at 20:06 UTC.
Financial Health Score (ACIC)
Nexqual rates American Coastal Insurance Corporation's overall financial health "Solid" across five dimensions, as of October 29, 2026 at 20:06 UTC.
| Growth | Solid — Revenue +13% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 57%, operating 40% (last 12 months) |
| Balance Sheet | Solid — $219M cash and investments vs $150M debt (Jun 2026, SEC), net cash |
| Cash Flow | Weak — FCF negative: -$31M (last 4 quarters to Jun 2026, SEC), burning cash |
| Efficiency | Strong — ROE 29%, ROA 8.1% (last 4 quarters, SEC) |
Ownership (ACIC)
| Insider Ownership | +50.64% |
|---|---|
| Institutional Ownership | +35.56% |
| Shares Outstanding | 47.27M |
| Float | 22.76M |
| Short % of Float | +8.35% |
Source: Nexqual, October 29, 2026 at 20:06 UTC.
Leadership (ACIC)
American Coastal Insurance Corporation is led by Bennett Bradford Martz, President & CEO, per Nexqual as of October 29, 2026 at 20:06 UTC.
| President & CEO | Bennett Bradford Martz |
|---|---|
| Executive Chairman | Robert Daniel Peed |
| Chief Financial Officer | Svetlana Castle |
Major Backers & Investors (ACIC)
Notable institutional backers of American Coastal Insurance Corporation include Tieton Capital Management, LLC, American Century Companies Inc, Punch & Associates Investment Management, Inc., according to Nexqual as of October 29, 2026 at 20:06 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Tieton Capital Management, LLC | 2.65% |
| American Century Companies Inc | 1.79% |
| Punch & Associates Investment Management, Inc. | 1.71% |
| Two Sigma Investments, LP | 1.25% |
| Renaissance Technologies | 1.15% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 4.82% |
| Vanguard Group | 2.11% |
| Dimensional Fund Advisors | 1.89% |
| Geode Capital | 1.43% |
| State Street | 1.08% |
Source: Nexqual, October 29, 2026 at 20:06 UTC.
From American Coastal Insurance Corporation's Latest SEC 10-K Filing (filed 2026-03-09)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe we have built significant credibility and loyalty with the wholesale communities in Florida through (i) our frequent in-depth communications on our products and (ii) our expectations and goals for our relationships with each wholesaler.
Partnerships
- We write our condominium product through our exclusive managing general agency agreement and long-term partnership with AmRisc.
Legal & Regulatory Risks (Item 1A, quoted)
- Changes in state regulation may adversely affect our results of operation and financial condition.
- The insurance industry is heavily regulated and further restrictive regulation may reduce our profitability and limit our growth.
- Our inability to collect from our reinsurers on our reinsurance claims could have a material adverse effect on our business, results of operation, financial condition and cash flow.
- We may fail to pay claims accurately and timely, which could adversely affect our results of operations and financial condition.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PRCH | Porch Group, Inc. | USD 20.89 | ▲ 28.16% |
| HMN | Horace Mann Educators Corporati | USD 46.58 | ▲ 1.7% |
| HCI | HCI Group, Inc. | USD 198.43 | ▲ 1.63% |
| SKWD | Skyward Specialty Insurance Gro | USD 58.51 | ▲ 0.95% |
| SLDE | Slide Insurance Holdings, Inc. | USD 27.54 | ▲ 1.29% |
| LMND | Lemonade, Inc. | USD 45.94 | ▲ 1.28% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 20:06 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt