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

Company Overview

American Coastal Insurance Corporation (NASDAQ: ACIC) is a specialty property and casualty insurer focused on providing personal residential insurance solutions in catastrophe-prone coastal regions of the United States. The company underwrites a range of homeowners and dwelling fire policies designed to protect single-family homes, condominiums and vacation properties from perils such as windstorm, hurricane, fire and water damage. American Coastal emphasizes risk selection and pricing discipline, leveraging geographic segmentation and catastrophe modeling to align its portfolio with the unique exposures of coastal communities.

The company’s product suite includes standard homeowners insurance, named-storm windstorm coverage, flood and excess flood endorsements, and secondary dwelling fire policies. Coverage options can be customized through various deductibles and limits, and the firm offers ancillary products such as hurricane deductibles and extended replacement cost endorsements. Distribution is managed primarily through a network of independent agents and brokers, enabling local market expertise and personalized service for policyholders.

Geographically, American Coastal Insurance operates in high-exposure coastal states, including Florida, Louisiana, Texas and South Carolina. The company’s underwriting approach combines state‐of‐the‐art catastrophe modeling, comprehensive property inspections and stringent underwriting guidelines to balance growth with disciplined risk management. Claims services are handled by in-house adjusters supported by regional partners, ensuring rapid response and policyholder satisfaction in the aftermath of severe weather events.

Founded in 2015 and headquartered in Sarasota, Florida, American Coastal Insurance has grown steadily through disciplined underwriting and targeted market expansion. The company is led by a management team with deep expertise in insurance operations, catastrophe analytics and regulatory compliance. Its leadership team continually invests in technology and process improvements to enhance underwriting accuracy, accelerate claims handling and strengthen capital efficiency.

Key Stats

• Today's Range: $10.79 to $10.96
• 50-Day Range: N/A
• 52-Week Range: $8.82 to $15.08
• Volume: 109,654 shs
• Average Volume: 214,761 shs
• Market Capitalization: $522.18 million
• P/E Ratio: 7.25
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

American Coastal Insurance Stock Analysis - MarketRank™

American Coastal Insurance scored higher than 39% of companies evaluated by MarketBeat, and ranked 725th out of 933 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for American Coastal Insurance.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of American Coastal Insurance is 7.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of American Coastal Insurance is 7.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

American Coastal Insurance has a P/B Ratio of 2.21. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.69% 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 2.7, 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 decreased by 10.56%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.69% 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 2.7, 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 decreased by 10.56%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

Only 1 people have searched for ACIC on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

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

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, American Coastal Insurance insiders have sold 19,650.75% more of their company's stock than they have bought. Specifically, they have bought $10,450.00 in company stock and sold $2,063,953.00 in company stock.

Percentage Held by Insiders

49.90% 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

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

ACIC Stock Analysis - Frequently Asked Questions

How have ACIC shares performed this year?

American Coastal Insurance's stock was trading at $10.85 on January 1st, 2025. Since then, ACIC stock has decreased by 0.5% and is now trading at $10.80.

Who are American Coastal Insurance's major shareholders?

American Coastal Insurance's top institutional investors include Farther Finance Advisors LLC (0.11%). Insiders that own company stock include Kern Michael Davis and Christopher Griffith.
View institutional ownership trends.

How do I buy shares of American Coastal Insurance?

Shares of ACIC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Today: 7/19/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Profitability

• EPS (Trailing Twelve Months): $1.49
• Trailing P/E Ratio: 7.25
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $75.72 million
• Net Margins: 24.31%
• Pretax Margin: 31.92%
• Return on Equity: 29.90%
• Return on Assets: 6.06%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.73
• Quick Ratio: 0.73

Sales & Book Value

• Annual Sales: $296.66 million
• Price / Sales: 1.76
• Cash Flow: $1.78 per share
• Price / Cash Flow: 6.07
• Book Value: $4.89 per share
• Price / Book: 2.21

Miscellaneous

• Outstanding Shares: 48,350,000
• Free Float: 24,225,000
• Market Cap: $522.18 million
• Optionable: N/A
• Beta: -0.28