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American Coastal Insurance Corporation logo

American Coastal Insurance Corporation

ACIC

NASDAQFinancial ServicesInsurance - Property & Casualty

Open in GoAI

Previous close

$9.18

−$0.03 · -0.33%

Aug 21, 4:00 PM ET

ACIC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

44

Neutral

Sentiment

49

Mixed

Risk resilience

71

Moderate Risk

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Company profile

Company website

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.

Industry
Insurance - Property & Casualty
Sector
Financial Services
Headquarters
US
CEO
Bennett Bradford Martz
Listed since
Nov 7, 2007
Employees
68

Market position

Day range

Current $9.18

52-week range

Current $9.18

Open
$9.13
Previous close
$9.21
Volume
298.78K
1.05× average
Average volume
284.21K
Average daily volume
Market cap
444.9M USD
Beta
-0.46
Market reference 1
50-day average
$10.5184
-12.72% below average
200-day average
$11.2215
-18.19% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
565.99M USD
EV / EBITDA
3.25×
Earnings yield
17.45%
Free cash flow yield
11.58%

Profitability & efficiency

Return on equity
33.64%
Return on assets
9.96%
Return on invested capital
22.35%

Financial health

Current ratio
1.22×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends151%18%-114%-246%Gross margin, FY2021: 20.31%Gross margin, FY2022: 19.78%Gross margin, FY2023: 53.69%Gross margin, FY2024: 52.70%Gross margin, FY2025: 86.27%Operating margin, FY2021: -4.56%Operating margin, FY2022: 0.76%Operating margin, FY2023: 36.44%Operating margin, FY2024: 37.62%Operating margin, FY2025: 42.55%Net margin, FY2021: -25.33%Net margin, FY2022: -212.81%Net margin, FY2023: 117.53%Net margin, FY2024: 25.52%Net margin, FY2025: 31.85%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 20.31%. Gross margin FY2022 19.78%. Gross margin FY2023 53.69%. Gross margin FY2024 52.70%. Gross margin FY2025 86.27%. Operating margin FY2021 -4.56%. Operating margin FY2022 0.76%. Operating margin FY2023 36.44%. Operating margin FY2024 37.62%. Operating margin FY2025 42.55%. Net margin FY2021 -25.33%. Net margin FY2022 -212.81%. Net margin FY2023 117.53%. Net margin FY2024 25.52%. Net margin FY2025 31.85%.

Income trends

Revenue

335.44M USD+13.07%

Operating income

142.73M USD+27.91%

Net income

106.84M USD+41.10%
Income trends across reported periods415.97M USD93.85M USD−228.27M USD−550.38M USDRevenue, FY2021: 228.69M USDRevenue, FY2022: 220.79M USDRevenue, FY2023: 263.68M USDRevenue, FY2024: 296.66M USDRevenue, FY2025: 335.44M USDOperating income, FY2021: −10.42M USDOperating income, FY2022: 1.68M USDOperating income, FY2023: 96.08M USDOperating income, FY2024: 111.59M USDOperating income, FY2025: 142.73M USDNet income, FY2021: −57.92M USDNet income, FY2022: −469.86M USDNet income, FY2023: 309.91M USDNet income, FY2024: 75.72M USDNet income, FY2025: 106.84M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 228.69M USD. Revenue FY2022 220.79M USD. Revenue FY2023 263.68M USD. Revenue FY2024 296.66M USD. Revenue FY2025 335.44M USD. Operating income FY2021 −10.42M USD. Operating income FY2022 1.68M USD. Operating income FY2023 96.08M USD. Operating income FY2024 111.59M USD. Operating income FY2025 142.73M USD. Net income FY2021 −57.92M USD. Net income FY2022 −469.86M USD. Net income FY2023 309.91M USD. Net income FY2024 75.72M USD. Net income FY2025 106.84M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue335.44M USD296.66M USD263.68M USD220.79M USD228.69M USD
Cost of goods sold46.04M USD140.31M USD122.11M USD177.11M USD182.25M USD
Gross profit289.4M USD156.35M USD141.56M USD43.68M USD46.44M USD
Research and development—357.7M USD———
Selling, general, and administrative—36.98M USD31.78M USD32M USD31.42M USD
Operating expenses146.67M USD44.76M USD45.48M USD42M USD56.85M USD
Interest expense10.82M USD12M USD10.88M USD9.48M USD9.3M USD
Depreciation and amortization20.6M USD8.87M USD10.63M USD23.31M USD11.77M USD
Operating income142.73M USD111.59M USD96.08M USD1.68M USD−10.42M USD
Net income106.84M USD75.72M USD309.91M USD−469.86M USD−57.92M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+31.41%
11 comparable reports
Latest EPS result
0.33
Estimate 0.42 · Miss by 21.43%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.660.450.240.03Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 0.12, estimate 0.15, surprise -20.00%, Miss. Q2 2025, reported May 8, 2025: actual 0.42, estimate 0.4, surprise +5.00%, Beat. Q3 2025, reported Aug 6, 2025: actual 0.54, estimate 0.38, surprise +42.11%, Beat. Q4 2025, reported Nov 5, 2025: actual 0.61, estimate 0.39, surprise +56.41%, Beat. Q1 2026, reported Feb 19, 2026: actual 0.51, estimate 0.42, surprise +21.43%, Beat. Q2 2026, reported May 5, 2026: actual 0.39, estimate 0.44, surprise -11.36%, Miss. Q3 2026, reported Aug 5, 2026: actual 0.33, estimate 0.42, surprise -21.43%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.03, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates228.44M170.6M112.77M54.94MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 79.27M USD, estimate 72.81M USD, surprise +8.88%, Beat. Q2 2025, reported May 8, 2025: actual 72.2M USD, estimate 80.04M USD, surprise -9.79%, Miss. Q3 2025, reported Aug 6, 2025: actual 86.47M USD, estimate 87.1M USD, surprise -0.73%, Miss. Q4 2025, reported Nov 5, 2025: actual 90.29M USD, estimate 83.41M USD, surprise +8.24%, Beat. Q1 2026, reported Feb 19, 2026: actual 114.51M USD, estimate 140.74M USD, surprise -18.64%, Miss. Q2 2026, reported May 5, 2026: actual 149.4M USD, estimate 175.1M USD, surprise -14.68%, Miss. Q3 2026, reported Aug 5, 2026: actual 216.3M USD, estimate 194.12M USD, surprise +11.43%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 64.63M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$13.00

41.61% upside
Past 12 months12-month forecastHigh $13.00Average $13.00Low $13.00

Rating distribution

5 ratings
Strong buy00%
Buy120%
Hold360%
Sell120%
Strong sell00%

Recent analyst actions

1 institution
Raymond JamesmaintainOutperform

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.24

2021 complete year0.0% since 2017

2026 partial: $0.75

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jan 2, 2026

$0.75

Special

Record Jan 2, 2026 · Payment Jan 9, 2026

Dividend

Ex-dividend Jan 2, 2025

$0.50

Special

Record Jan 2, 2025 · Payment Jan 10, 2025

Dividend

Ex-dividend Mar 8, 2022

$0.06

Quarterly

Record Mar 9, 2022 · Payment Mar 16, 2022

Dividend

Ex-dividend Nov 19, 2021

$0.06

Quarterly

Record Nov 22, 2021 · Payment Nov 29, 2021

Dividend

Ex-dividend Aug 9, 2021

$0.06

Quarterly

Record Aug 10, 2021 · Payment Aug 17, 2021

Dividend

Ex-dividend May 14, 2021

$0.06

Quarterly

Record May 17, 2021 · Payment May 24, 2021

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ETFs holding ACIC

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
7.65M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
7.45M
Weight
0.02%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
7.31M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
3.02M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.53M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
2.05M
Weight
0.08%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.5M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
1.49M
Weight
0.01%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%

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