AMERICAN COASTAL INSURANCE Corp
ACICNasdaq
$10.25
↓ -1.2%Jul 17 close · end-of-day
Price
1Y↑ +0.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$510.5M
Enterprise Value
$393.5M
P/E
4.9
P/S
1.5
P/B
1.5
EV/EBITDA
2.7
PEG
—
FCF Yield
7.6%
Dividend Yield
—
Revenue (TTM)
$334.5M
Net Income (TTM)
$104.7M
Free Cash Flow (TTM)
$38.7M
Gross Margin
—
Operating Margin
42.1%
Net Margin
31.3%
ROE
31.6%
ROIC
49.0%
Debt / Equity
—
Net Cash
$117.0M
Return 1Y
-0.0%
Company profile
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, 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 August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
- CEO
- Robert D. Peed
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Insurance
- Employees
- 470
- Headquarters
- Florida
- Website
- www.amcoastal.com
Management & directors
- Crawford Troy JChief Underwriting Officer
- Adler BrookeSecretary
- Castle SvetlanaChief Financial Officer
- Gray James AndyChief Compliance/Risk Officer
- Griffith ChristopherChief Operating Officer
- Martz BradPresident & CEO
Roles derived from SEC Form 4 filings.
Earnings
ACIC Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$71.2M↓ -1.4%
Diluted EPS$0.39↓ -9.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $846.7M | $228.7M | $221.7M | $264.4M | $296.7M | $335.4M |
| Gross profit | — | — | — | — | — | — |
| Operating income | -$132.2M | -$10.5M | -$8.7M | $93.9M | $99.6M | $140.3M |
| Net income | -$96.5M | -$57.9M | -$469.9M | $309.9M | $75.7M | $106.8M |
| Diluted EPS | -$2.25 | -$1.35 | -$10.91 | $6.98 | $1.54 | $2.15 |
| Operating cash flow | -$10.5M | -$295.4M | -$173.1M | -$136.0M | $243.5M | $71.0M |
| Free cash flow | -$21.3M | -$300.7M | -$176.2M | -$136.2M | $243.5M | $70.9M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | -15.6% | -4.6% | -3.9% | 35.5% | 33.6% | 41.8% |
| Net margin | -11.4% | -25.3% | -212.0% | 117.2% | 25.5% | 31.8% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $68.7M | $82.1M | $79.3M | $72.2M | $86.5M | $90.4M | $86.4M | $71.2M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | $24.1M | $36.1M | $8.9M | $25.1M | $36.2M | $41.7M | $37.3M | $25.5M |
| Net income | $19.1M | $28.1M | $4.9M | $21.3M | $26.4M | $32.5M | $26.6M | $19.3M |
| Diluted EPS | $0.39 | $0.57 | $0.10 | $0.43 | $0.53 | $0.65 | $0.54 | $0.39 |
| Operating cash flow | $126.4M | -$9.0M | $1.6M | $26.4M | $127.9M | -$35.6M | -$47.8M | -$5.7M |
| Free cash flow | $126.4M | -$9.0M | $1.6M | $26.3M | $127.9M | -$35.6M | -$47.8M | -$5.9M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | 35.1% | 43.9% | 11.2% | 34.8% | 41.8% | 46.1% | 43.2% | 35.9% |
| Net margin | 27.8% | 34.2% | 6.2% | 29.6% | 30.6% | 35.9% | 30.8% | 27.0% |
Company news
Jun 30, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-15 | Crawford Troy J· Chief Underwriting Officer | Tax withholding | 478 | $10.13 | $4,842.14 | filing |
| 2026-05-26 | Brown Deirdre A | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | Peed Daniel | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | Whittemore Kent G | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | POITEVINT ALEC II | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | Maroney Patrick | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | Hogan Michael | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | DAVIS KERN MICHAEL | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | Branch Gregory C | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-26 | HOOD III WILLIAM H. | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-05-07 | MARTZ BRAD· President & CEO | Tax withholding | 12,838 | $10.85 | $139,292.30 | filing |
| 2026-05-07 | Griffith Christopher· Chief Operating Officer | Tax withholding | 4,751 | $10.85 | $51,548.35 | filing |
| 2026-05-07 | Castle Svetlana· Chief Financial Officer | Tax withholding | 3,532 | $10.85 | $38,322.20 | filing |
| 2026-05-07 | Gray James Andy· Chief Compliance/Risk Officer | Tax withholding | 3,042 | $10.85 | $33,005.70 | filing |
| 2026-05-07 | Adler Brooke· Secretary | Tax withholding | 2,737 | $10.85 | $29,696.45 | filing |
| 2026-05-07 | MARTZ BRAD· President & CEO | Option exercise | 32,093 | $0.00 | $0.00 | filing |
| 2026-05-07 | Gray James Andy· Chief Compliance/Risk Officer | Option exercise | 8,826 | $0.00 | $0.00 | filing |
| 2026-05-07 | Griffith Christopher· Chief Operating Officer | Option exercise | 12,838 | $0.00 | $0.00 | filing |
| 2026-05-07 | Castle Svetlana· Chief Financial Officer | Option exercise | 8,826 | $0.00 | $0.00 | filing |
| 2026-05-07 | Adler Brooke· Secretary | Option exercise | 11,234 | $0.00 | $0.00 | filing |
| 2026-05-04 | MARTZ BRAD· President & CEO | Tax withholding | 22,589 | $11.65 | $263,161.85 | filing |
| 2026-05-04 | Griffith Christopher· Chief Operating Officer | Tax withholding | 11,495 | $11.65 | $133,916.75 | filing |
| 2026-05-04 | Adler Brooke· Secretary | Tax withholding | 5,935 | $11.65 | $69,142.75 | filing |
| 2026-05-04 | Griffith Christopher· Chief Operating Officer | Option exercise | 31,057 | $0.00 | $0.00 | filing |
| 2026-05-04 | Adler Brooke· Secretary | Option exercise | 23,526 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.