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

Company Overview

American Coastal Insurance Company (NASDAQ:ACIC) is a specialized property and casualty insurer focused on coastal residential and commercial lines across the Southeastern United States. Headquartered in St. Petersburg, Florida, the company underwrites policies designed to address windstorm and non-windstorm perils in areas exposed to hurricane risk. Since its founding in 2007, American Coastal has positioned itself to meet the insurance needs of homeowners, condominium associations, and small business owners operating near coastal zones.

Through a diversified portfolio of personal lines products, American Coastal offers homeowners insurance, dwelling fire, mobile home, condominium unitowners and renters policies. The company provides optional coverages such as water backup, replacement cost endorsements and basement flood protection. In addition to personal lines, American Coastal’s commercial package division covers small-to-midsize businesses, condominium associations and homeowner associations with property values up to predefined limits.

American Coastal distributes its products primarily through a network of independent insurance agents and brokers. Its operations extend to key coastal states including Florida, Alabama, Mississippi and Louisiana, with a strategic focus on high-exposure regions prone to tropical storms. The company’s risk management framework incorporates catastrophe modeling, reinsurance arrangements and proactive underwriting guidelines designed to sustain performance amid volatile weather conditions.

Key Stats

• Today's Range: $10.41 to $10.61
• 50-Day Range: $10.17 to $12.25
• 52-Week Range: $9.80 to $13.06
• Volume: 305,874 shs
• Average Volume: 281,965 shs
• Market Capitalization: $506.41 million
• P/E Ratio: 4.98
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

American Coastal Insurance Stock Analysis - MarketRank™

American Coastal Insurance scored higher than 42% of companies evaluated by MarketBeat, and ranked 697th out of 880 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: 1.4 / 5
• Analyst Rating: Hold

Consensus Rating

American Coastal Insurance has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and 1 sell rating.

Amount of Analyst Coverage

American Coastal Insurance has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.19%

Earnings Growth

Earnings for American Coastal Insurance are expected to grow by 6.19% in the coming year, from $1.13 to $1.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of American Coastal Insurance is 4.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of American Coastal Insurance is 4.98, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.00.

Price to Earnings Growth Ratio

American Coastal Insurance has a PEG Ratio of 3.08. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

American Coastal Insurance has a P/B Ratio of 1.53. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.00% 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 3.07, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in American Coastal Insurance has recently increased by 35.53%, 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 41.67% next year. This indicates that American Coastal Insurance will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.2 / 5
• News Sentiment: N/A

News Sentiment

American Coastal Insurance has a news sentiment score of -0.04. 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 lower news sentiment than the 0.82 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for American Coastal Insurance this week, compared to 2 articles on an average week.

MarketBeat Follows

Only 1 people have added American Coastal Insurance to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.1 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $23,100.00 in company stock, which represents 0.0046% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, American Coastal Insurance insiders have bought more of their company's stock than they have sold. Specifically, they have bought $23,100.00 in company stock and sold $0.00 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: 5/05/2026
• Today: 5/30/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Insurance
• Current Symbol: NASDAQ:ACIC
• Previous Symbol: NYSE:ACIC
• CIK: 1401521
• Web: N/A
• Phone: (727) 633-0851
• Fax: N/A
• Employees: 470
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.10
• Trailing P/E Ratio: 4.98
• Forward P/E Ratio: 9.25
• P/E Growth: 3.08
• Net Income: $106.84 million
• Net Margins: 31.32%
• Pretax Margin: 42.54%
• Return on Equity: 32.26%
• Return on Assets: 8.91%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.79
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $335.44 million
• Price / Sales: 1.51
• Cash Flow: $2.28 per share
• Price / Cash Flow: 4.59
• Book Value: $6.84 per share
• Price / Book: 1.53

Miscellaneous

• Outstanding Shares: 48,460,000
• Free Float: 24,620,000
• Market Cap: $506.41 million
• Optionable: N/A
• Beta: -0.46