American Coastal Insurance Corporation (ACIC)

American Coastal Insurance Corporation's stock has shown positive momentum in the past six months, gaining 8.33% year-to-date through October 23, 2025. The share price as of October 17, 2025, was $11.80, an 11.74% increase from October 18, 2024. Recent market activity indicates increased investor interest, with volume reaching 273,148 shares on October 16, 2025. Analysts hold both bullish and bearish views on ACIC, with bullish perspectives highlighting improved small-cap growth fundamentals and solid financial standing, while bearish views point to poor growth rates and an elevated price-to-book ratio. The company is scheduled to release its next earnings report on November 5, 2025.

Demand for American Coastal Insurance Corporation's products exhibits seasonality, particularly in the Florida market for commercial residential property insurance. Demand is influenced by property prices, the frequency of natural disasters, and the hurricane season, which runs from June 1 to November 30. Robust reinsurance programs are critical for companies writing hurricane-exposed properties, underscoring this seasonality.

American Coastal Insurance Corporation (ACIC) is a holding company that operates in the property and casualty insurance business in the United States, providing structure, content, and liability coverage for homeowners, renters, and condominium owners. ACIC also offers commercial multi-peril property insurance for residential condominium associations and apartments, covering losses from perils like fire, wind, and theft, and provides equipment breakdown, identity theft, and cybersecurity policies, marketing its products through independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name in August 2023.

American Coastal Insurance Corporation primarily operates in the United States, focusing on catastrophe-exposed markets in Florida, where it is a leading commercial residential insurer. The company generates revenue from writing insurance in Florida and New York. It ceased operations in South Carolina and Texas in May 2022, and its former subsidiary, United Property & Casualty Insurance Company (UPC), was placed into receivership in February 2023, leading ACIC to divest its ownership.

American Coastal Insurance Company (AmCoastal), a subsidiary of ACIC, has a Financial Stability Rating of A, Exceptional, from Demotech, indicating financial stability. KBRA has affirmed an insurance financial strength rating (IFSR) of A- for AmCoastal and an issuer rating of BB+ for ACIC, with outlooks changed from Negative to Stable. The company's risk diversification, reinsurance strategies, and underwriting policies have contributed to improved stability and growth. However, the company faces challenges due to its focus on commercial property insurance in Florida and the receivership of its former subsidiary UPC.

American Coastal Insurance Corporation's ownership includes institutional, insider, and retail investors, with approximately 30.78% owned by institutional shareholders, 70.35% by insiders, and 0.00% by retail investors. Major institutional owners include BlackRock, Inc., and Vanguard Group Inc. Daniel Peed is the largest individual shareholder, owning 35.87% of the company. Other significant individual owners include Gregory C. Branch, Alec Poitevint II, William H. Hood III, Joseph Stilwell, and Kern Michael Davis.