American Coastal Insurance (ACIC) Stock Price, News & Analysis

Company Overview

American Coastal Insurance Corporation (NASDAQ: ACIC) is a specialty property and casualty insurance holding company focused primarily on the commercial residential market. Through its insurance operations, the company provides coverage designed for properties such as condominium associations, apartment communities and other residential developments.

The company’s offerings generally center on commercial property insurance, including protection against damage from severe weather and other covered risks. American Coastal emphasizes underwriting expertise in catastrophe-exposed markets and works with agents and other distribution partners to provide insurance solutions for property owners and associations.

American Coastal Insurance Corporation was formerly known as United Insurance Holdings Corp. and adopted its current name as part of a strategic shift toward commercial residential property insurance. The company is headquartered in St. Petersburg, Florida, and its operations have been concentrated primarily in Florida, a market with significant exposure to hurricanes and other coastal risks.

Key Stats

• Today's Range: $9.04 to $9.29
• 50-Day Range: $9.04 to $11.05
• 52-Week Range: $9.01 to $13.06
• Volume: 250,417 shs
• Average Volume: 260,404 shs
• Market Capitalization: $437.25 million
• P/E Ratio: 4.60
• Dividend Yield: N/A
• Price Target: $13.00
• Consensus Rating: Hold

American Coastal Insurance Stock Analysis - MarketRank™

American Coastal Insurance scored higher than 89% of companies evaluated by MarketBeat, and ranked 206th out of 854 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Hold

Consensus Rating

American Coastal Insurance has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

Upside Potential

American Coastal Insurance has a consensus price target of $13.00, representing about 40.5% upside from its current price of $9.25.

Amount of Analyst Coverage

American Coastal Insurance has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 33.33%

Earnings Growth

Earnings for American Coastal Insurance are expected to grow by 33.33% in the coming year, from $0.96 to $1.28 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of American Coastal Insurance is 4.60, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.83.

Price to Earnings Ratio vs. Sector

The P/E ratio of American Coastal Insurance is 4.60, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.66.

Price to Book Value per Share Ratio

American Coastal Insurance has a P/B Ratio of 1.42. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.68% of the float of American Coastal Insurance has been sold short.

Short Interest Ratio / Days to Cover

American Coastal Insurance has a short interest ratio ("days to cover") of 8.98.

Change versus previous month

Short interest in American Coastal Insurance has recently increased by 11.91%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: N/A

Dividend Yield

American Coastal Insurance does not currently pay a dividend.

Dividend Growth

American Coastal Insurance does not have a long track record of dividend growth.

Dividend Sustainability

Based on earnings estimates, American Coastal Insurance will have a dividend payout ratio of 39.06% next year. This indicates that American Coastal Insurance will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: 0.93

News Sentiment

American Coastal Insurance has a news sentiment score of 0.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for American Coastal Insurance this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for ACIC on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

2 people have added American Coastal Insurance to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, American Coastal Insurance insiders have sold 109.88% more of their company's stock than they have bought. Specifically, they have bought $91,500.00 in company stock and sold $192,036.00 in company stock.

Percentage Held by Insiders

49.20% of the stock of American Coastal Insurance is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

22.11% of the stock of American Coastal Insurance is held by institutions.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 10/01/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NASDAQ:ACIC
• Previous Symbol: NYSE:ACIC
• CIK: 1401521
• Web: www.amcoastal.com
• Phone: (727) 633-0851
• Fax: N/A
• Employees: 68
• Year Founded: 1999

Price Target and Rating

• Average Price Target for American Coastal Insurance: $13.00
• High Price Target: $13.00
• Low Price Target: $13.00
• Potential Upside/Downside: +40.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.01
• Trailing P/E Ratio: 4.60
• Forward P/E Ratio: 9.64
• P/E Growth: N/A
• Net Income: $106.84 million
• Net Margins: 30.31%
• Pretax Margin: 40.28%
• Return on Equity: 27.95%
• Return on Assets: 8.20%

Debt

• Debt-to-Equity Ratio: 0.01
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $335.44 million
• Price / Sales: 1.30
• Cash Flow: $2.28 per share
• Price / Cash Flow: 4.06
• Book Value: $6.51 per share
• Price / Book: 1.42

Miscellaneous

• Outstanding Shares: 47,270,000
• Free Float: 24,013,000
• Market Cap: $437.25 million
• Optionable: N/A
• Beta: -0.46