American Coastal Insurance Corporation (ACIC)

In the past six months, ACIC declared a special cash dividend of $0.75 per share on December 1, 2025, and reported its financial results for Q3 2025 on November 5, 2025, with its Q2 2025 earnings conference call held on August 6, 2025. Wall Street Zen upgraded ACIC to a "Buy" rating on February 7, 2026, and Oppenheimer initiated coverage with a "perform" recommendation on January 13, 2026; the consensus rating is "Moderate Buy". As of February 5, 2026, the closing stock price was $11.25, with a 52-week high of $13.50 and a low of $9.97; the average stock price for the last 52 weeks is $11.43. There have been various insider transactions between May and November 2025. On January 14, 2026, ACIC discussed strategic partnership expansion and participation in a catastrophe-exposed insurance portfolio.

Demand seasonality for ACIC is significantly influenced by weather patterns, particularly in coastal regions. The company's business is inherently exposed to the seasonality of hurricane seasons, which can lead to increased claims and impact profitability. The company manages this risk through catastrophe modeling, reinsurance arrangements, and proactive underwriting guidelines.

American Coastal Insurance Corporation (ACIC) is a publicly traded holding company in the Financials sector, specifically within the Insurance - Property & Casualty industry, founded in 2007. ACIC primarily focuses on commercial residential property and casualty insurance in the United States through its subsidiary, American Coastal Insurance Company (AmCoastal), insuring condominium and homeowner association properties, as well as apartment complexes, particularly in Florida. ACIC has strategically transformed into a specialty insurer focused on commercial residential property insurance, selling its personal lines subsidiary, Interboro Insurance Company (IIC). In addition to property insurance, ACIC earns commissions on equipment breakdown, identity theft, and cybersecurity policies by ceding all risk to other private companies.

ACIC's primary underwriting focus for commercial residential properties is the state of Florida. The company's operations also extend to other key coastal states in the Southeastern United States, including Alabama, Mississippi, and Louisiana, with a strategic emphasis on high-exposure regions prone to tropical storms. Its products are distributed primarily through a network of independent insurance agents and brokers. Historically, personal residential products were also offered in New York through its former subsidiary, IIC.

American Coastal Insurance Company (AmCoastal) has maintained a strong brand reputation, evidenced by its Financial Stability Rating® of A, Exceptional, from Demotech. KBRA upgraded the Issuer Rating for American Coastal Insurance Corp (ACIC) to BBB- from BB+ and affirmed the Insurance Financial Strength Rating (IFSR) of A- for AmCoastal, changing the outlook for all ratings to Positive from Stable. Analysts have given ACIC a "Moderate Buy" consensus rating.

American Coastal Insurance Corporation (ACIC) has 259 institutional owners and shareholders holding a total of 17,167,312 shares, including major holders like BlackRock, Inc. and Vanguard Group Inc. R. Daniel Peed, the Executive Chairman, beneficially owned approximately 29% of the company's stock as of December 31, 2024.