American Coastal Insurance Corporation (ACIC)

In the past six months, Kroll Bond Rating Agency (KBRA) upgraded ACIC's Issuer and Debt Ratings on July 21, 2025. On August 6, 2025, American Coastal Insurance Corporation reported its financial results for the second quarter, with GAAP earnings and revenues exceeding estimates. By October 10, 2025, the stock was rated "Hold" by Seeking Alpha. In November 2025, ACIC announced its participation in upcoming conferences and reported financial results for its third quarter ended September 30, 2025. On December 1, 2025, the company declared a special cash dividend of $0.75 per share. On January 12, 2026, Oppenheimer initiated coverage of American Coastal Insurance with a "Perform" recommendation.

Demand seasonality for American Coastal Insurance Corp.'s products and services is significantly influenced by the cyclical nature of the insurance industry and the occurrence of catastrophic events, particularly in Florida. The company manages its risk of catastrophic loss through pricing algorithms, avoidance of policy concentration, and reinsurance programs.

American Coastal Insurance Corp. (ACIC) is a property and casualty insurance holding company operating in the Finance sector, specifically in the Property-Casualty Insurers industry. ACIC operates through its subsidiaries, American Coastal Insurance Company (AmCoastal) and Interboro Insurance Company (IIC). ACIC's major products include commercial multi-peril property insurance for residential condominium associations and apartments in Florida, and personal residential policies in New York.

American Coastal Insurance Corp. primarily operates in Florida for its commercial residential property and casualty insurance business. Its personal residential products are offered in New York through its subsidiary, Interboro Insurance Company. ACIC ceased operations in Texas and South Carolina effective May 31, 2022.

American Coastal Insurance Corp. has maintained a generally positive reputation within the industry, particularly for its resilience and profitability in catastrophe-exposed regions. Analysts have given ACIC ratings ranging from "Moderate Buy" to "Perform" and "Hold". The company's ability to consistently post profitable quarters contributes to its strong standing.

Individual insiders hold approximately 47% of the company's shares, with Daniel Peed being the largest individual shareholder. Institutional investors also hold a substantial stake, with major institutional owners including BlackRock, Inc. and Vanguard Group Inc.