ACIC logo

AMERICAN COASTAL INSURANCE C

ACICNASDAQ
πŸ† #3051 by market capEarnings Nov 3US Equity
$9.24β–Ό $0.02 (βˆ’0.22%)
πŸŒ™ After hours$9.24β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.2%
7dβ–² 1.4%
14dβ–² 0.7%
30dβ–Ό 2.3%
ytdβ–Ό 26.8%
1yβ–Ό 18.7%
🏦Market Cap
$448M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+13.1%
Healthy
πŸ“ŠGross Margin
70.0%
High
πŸ’΅FCF Margin
-9.4%
Thin
βš–οΈP/S Ratio
1.4x
Cheap
Otter Score
92
Very Good

Trading Snapshot

Day Range
$9.15 – $9.41
52-Week Range
$9.03 – $13.06
Volume
$1.64B
Avg Volume
$1.88B
Shares Outstanding
48.5M
Next Earnings
Dec 4, 2026

Fundamentals Snapshot

Annual Revenue
$335M
Last Q Revenue
$82M
P/E Ratio
4.4
P/S Ratio
1.4x
EPS (TTM)
$2.08
Dividend Yield
8.12%
Dilution (1yr)
+1.0%

Why Investors Own ACIC

  • βœ“High-growth profile β€” revenue up +36.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 63% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ACIC logo

AMERICAN COASTAL INSURANCE C

ACIC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$335Mβ–² +13.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
86.3%β–² +63.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$143Mβ–² +27.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$71Mβ–Ό βˆ’70.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
49.9Mβ–² +1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$46Mβ–² +$62M YoY
StockOtter Β· stockotter.space

About AMERICAN COASTAL INSURANCE C

American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
92/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Defense WorldΒ·2d ago

Insider Buying: American Coastal Insurance (NASDAQ:ACIC) CEO Acquires $91,500.00 in Stock

American Coastal Insurance Corporation (NASDAQ: ACIC - Get Free Report) CEO Bennett Bradford Martz acquired 10,000 shares of American Coastal Insurance stock in a transaction that occurred on Tuesday, September 22nd. The

GlobeNewsWireΒ·15d ago

American Coastal Insurance Corporation Announces Restructured Exclusive Managing Agency Agreement with AmRisc, LLC

Agreement Removes Fixed Expiration Date and Requires 48 Months' Advance Notice to Terminate, Providing a Minimum Four-Year Term at All Times Agreement Removes Fixed Expiration Date and Requires 48 Months' Advance Notice

Defense WorldΒ·26d ago

BlackRock Inc. Acquires Shares of 2,280,065 American Coastal Insurance Corporation $ACIC

BlackRock Inc. bought a new position in shares of American Coastal Insurance Corporation (NASDAQ: ACIC) in the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commi

MarketBeatΒ·Aug 29

American Coastal Maps E&S Expansion as Florida Insurance Pricing Softens

American Coastal Insurance NASDAQ: ACIC outlined its strategy for navigating a softer Florida commercial residential insurance market, emphasizing underwriting discipline, reinsurance protection and planned expansion int

Seeking AlphaΒ·Aug 6

American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript

American Coastal Insurance Corporation (ACIC) Q2 2026 Earnings Call Transcript

Zacks Investment ResearchΒ·Aug 5

American Coastal (ACIC) Reports Q2 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for American Coastal (ACIC) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Stree