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: $10.92 to $11.09
• 50-Day Range: $10.13 to $11.66
• 52-Week Range: $8.82 to $15.08
• Volume: 93,705 shs
• Average Volume: 172,415 shs
• Market Capitalization: $537.88 million
• P/E Ratio: 6.77
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

American Coastal Insurance Stock Analysis - MarketRank™

American Coastal Insurance scored higher than 44% of companies evaluated by MarketBeat, and ranked 796th out of 959 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 6.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of American Coastal Insurance is 6.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.59.

Price to Book Value per Share Ratio

American Coastal Insurance has a P/B Ratio of 2.26. 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

2.52% 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, 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 0.34%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

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 Coverage

The dividend payout ratio of American Coastal Insurance is 30.67%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

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

Percentage of Shares Shorted

2.52% 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, 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 0.34%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.19

News Sentiment

American Coastal Insurance has a news sentiment score of 1.19. 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 1.06 average news sentiment score of Finance companies.

News Coverage This Week

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

MarketBeat Follows

Only 3 people have added American Coastal Insurance to their MarketBeat watchlist in the last 30 days. This is a decrease of -25% compared to the previous 30 days.

Company Ownership

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

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 $10,450.00 in company stock and sold $0.00 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 increased by 1.7% and is now trading at $11.03.

How were American Coastal Insurance's earnings last quarter?

American Coastal Insurance Corporation (NASDAQ:ACIC) issued its quarterly earnings results on Wednesday, August, 6th. The company reported $0.54 earnings per share for the quarter, topping analysts' consensus estimates of $0.38 by $0.16. American Coastal Insurance had a trailing twelve-month return on equity of 30.65% and a net margin of 25.26%.

Who are American Coastal Insurance's major shareholders?

Top institutional investors of American Coastal Insurance include Tieton Capital Management LLC (2.44%), Geode Capital Management LLC (1.25%), American Century Companies Inc. (1.13%) and Bastion Asset Management Inc. (0.77%). 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

• Last Earnings: 8/06/2025
• Today: 9/12/2025
• 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): $1.63
• Trailing P/E Ratio: 6.77
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $75.72 million
• Net Margins: 25.26%
• Pretax Margin: 34.10%
• Return on Equity: 30.65%
• Return on Assets: 6.60%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $296.66 million
• Price / Sales: 1.81
• Cash Flow: $1.84 per share
• Price / Cash Flow: 6.00
• Book Value: $4.89 per share
• Price / Book: 2.26

Miscellaneous

• Outstanding Shares: 48,760,000
• Free Float: 24,431,000
• Market Cap: $537.82 million
• Optionable: N/A
• Beta: -0.26