AMERICAN COASTAL INSURANCE CORP (ACIC)
Financials · property and casualty insurance · NASDAQ
A specialized commercial property insurer in Florida, focusing on underwriting discipline for catastrophe-exposed residential assets.
What AMERICAN COASTAL INSURANCE CORP does
American Coastal Insurance Corporation is a Florida-based property and casualty insurance holding company. It specializes in commercial residential insurance, providing multi-peril coverage for condominium associations, apartments, and assisted living facilities through its subsidiary, American Coastal Insurance Company. The company utilizes a network of wholesale partners and managing general agencies, including AmRisc and Skyway Underwriters, to distribute its products.
Recent developments
The company reported that its June 1, 2026, reinsurance renewal secured broader protection at a lower cost. Additionally, the company is expanding its underwriting platform to include new classes of commercial property and new geographic markets through its E&S growth platform.
From AMERICAN COASTAL INSURANCE CORP's filing of 2026-08-06.
Themes: property and casualty insurance, catastrophe insurance, commercial real estate insurance, Florida insurance market, E&S insurance
Fundamentals
- Price$9.83 as of 2026-10-08 close
- Market cap$476M as of 2026-05-01 (share count; price 2026-10-08)
- 1-year return-20.1% 2025-10-08 close $12.30 → 2026-10-08 close $9.83
- P/E4.68 as of 2026-10-08
- Net margin+31.8% FY2025, SEC XBRL
- ROE+33.6% FY2025, SEC XBRL
- Debt / equity0.45 as of 2026-09-03
- Revenue growth (YoY)+10.7% as of 2026-09-03
- Revenue CAGR (3y)+14.8% SEC XBRL
- Beta0.35 as of 2026-09-03
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +7.7%; at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How ACIC compares in its sector
- price-to-earnings ratiobottom 10% 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- operating margintop 25% 122 covered Financials peers, as of 2026-09-03
- return on equitytop 10% 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 10% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage
Not assessed — last reported dividend predates the accounts. The most recent fiscal year in which ACIC reported a dividend payment is FY2024, while its reported financial statements run through FY2025. Coverage is therefore not assessed for the latest year — an FY2024 ratio would not describe ACIC today.
Coverage is derived from reported SEC EDGAR XBRL figures, comparing dividends paid against net income and free cash flow for the SAME fiscal year. It is not shown here because the latest fiscal year with a reported dividend payment (FY2024) is older than the latest year of reported financial statements (FY2025), so any ratio would describe an out-of-date year. Informational only — not financial advice.
How AMERICAN COASTAL INSURANCE CORP looks technically
AMERICAN COASTAL INSURANCE CORP (ACIC) is trading 8.8% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 104 trading days ago — a "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 64, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day high, its first since 2026-08-14, pushing above its recent trading range. It is 24.7% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 8.8% below its 200-day average, the long-term trend line — a long-term downtrend | -8.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $9.58 | $9.58 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $10.77 | $10.77 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed five-part downward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes below 9.01. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave downward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 104 trading days ago — a "death cross", a bearish long-term signal | 104 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with buyers in control | 26.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 64, neither overbought (above 70) nor oversold (below 30) | 63.6 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($9.01 to $9.89) — its "stochastic" reading is 93 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 93.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 29 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $13.06 | $13.06 |
|---|---|---|
| From the 52-week high | it is 24.7% below its 52-week high (its highest price of the past year) | -24.7% |
| Above the 52-week low | it is 9.1% above its 52-week low (its lowest price of the past year) | +9.1% |
| Below the 52-week high | it is 24.7% below its highest point of the past year | 24.7% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-08-14, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $28.43 (set on 2015-02-06) | $28.43 |
| Given back of the 52-week move | over the past year its closes ranged ($9.04 to $13.03), and it has recovered roughly a quarter of its fall from last year’s high — 20% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $11.51 to $11.63. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.8% |
| From the all-time high | it is 65.4% below its all-time high | -65.4% |
| Nearest price level | it is trading 0.7% above a support level at $9.77 — a price it turned at four times since 2026-05-06, most recently on 2026-08-26. Since 2024-10-08 it has 2 such levels below the current price and 11 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.7% |
| All-time low | its lowest closing price on record is $0.29 (set on 2022-11-28) | $0.29 |
| Above the all-time low | it is 3289.7% above its all-time low | +3,290% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 80% of it) | 20th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2256 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2256 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.93 and $9.62 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $8.93 – $9.28 – $9.62 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 4.2 daily ranges below its 200-day average price (8.8% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.2 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.04× |
|---|
Analyst
2
| Change in the average price target | not available for this company yet | n/a |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a hammer | 4 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 4 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.2% |
|---|---|---|
| Gap filled | a 4.2% gap up opened on 2026-09-25 has been "filled" 6 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 6 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 3 sessions in a row, a +5.93% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 3 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 4.5 percentage points (the stock gained 5.6% while the market gained 1.0%) | +4.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 18.9 percentage points (the stock lost 15.0% while the market gained 3.8%) | -18.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 29.0 percentage points (the stock lost 11.5% while the market gained 17.5%) | -29.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 35.1 percentage points (the stock lost 20.1% while the market gained 15.0%) | -35.1% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a fresh 20-day high, MACD momentum is positive, a strong uptrend, with buyers in control — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 6.5% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $10.62 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | -7.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% above the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $9.50 — a volume-weighted average of daily closes over 46 sessions, not a true tick-by-tick VWAP. | +3.5% |
Price levels it has turned at before
ACIC last closed at $9.83 on 2026-10-08. Since 2024-10-08 it has turned at 2 prices below its last close and 11 above; the 2 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $9.77 | Support | 0.7% below the last close | turned there four times · 2026-05-06 to 2026-08-26 |
| $10.05 | Resistance | 2.2% above the last close | turned there three times · 2024-10-22 to 2025-08-01 |
| $10.29 | Resistance | 4.7% above the last close | turned there three times · 2025-04-07 to 2026-02-20 |
| $9.05 | Support | 7.9% below the last close | turned there twice · 2026-08-21 to 2026-09-30 |
| $10.62 | Resistance | 8.0% above the last close | turned there three times · 2025-05-09 to 2026-04-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $9.01.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 2 trading days, since 2026-10-07.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · Broke out to a new 20-day high · in a strong, established uptrend (ADX) · lagging the market · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst EPS estimate for ACIC
- Consensus EPS estimate$0.1 next reporting period, as of 2026-10-06
- Estimate change, 30 days+$0.075 from $0.025, on 2026-09-05, 31-day window
- Readings revised upward22% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Significant exposure to catastrophe-related losses, particularly hurricanes in Florida, which can materially impact financial results.","Reliance on third-party managing general agencies and wholesale partners for the marketing, distribution, and underwriting of its insurance products.","Concentration of all insurance premiums and policies within the state of Florida."]
Insider activity (SEC Form 4)
1 open-market purchase and 3 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-041 buy ($91500) · 1 sell ($192036) — 1 buying, 1 selling insiders
- Last 90 days · read to 2026-10-041 buy ($91500) · 3 sells ($583949) — 1 buying, 2 selling insiders
- Last 180 days · read to 2026-10-041 buy ($91500) · 3 sells ($583949) — 1 buying, 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-24. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about ACIC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding ACIC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 3,340,658
- Reported value $37,081,304
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about ACIC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
ACIC had 1,843,015 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
ACIC had 3.80% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.98 days to cover at the same settlement.
- Reported short interest (shares) 1,843,015
- Short interest (% of shares outstanding) 3.80%
- Prior settlement (shares) 1,646,939
- Reported change 11.91%
- Days to cover (reported) 8.98
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Universal Insurance Holdings (UVE)
- Heritage Insurance Holdings (HRTG)
- FedNat Holding Company
- Slide Insurance
- Florida Peninsula Insurance Company
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does AMERICAN COASTAL INSURANCE CORP (ACIC) do?
American Coastal Insurance Corporation is a Florida-based property and casualty insurance holding company. It specializes in commercial residential insurance, providing multi-peril coverage for condominium associations, apartments, and assisted living facilities through its subsidiary, American Coastal Insurance Company. The company utilizes a network of wholesale partners and managing general agencies, including AmRisc and Skyway Underwriters, to distribute its products.
What sector is AMERICAN COASTAL INSURANCE CORP (ACIC) in?
AMERICAN COASTAL INSURANCE CORP (ACIC) is classified in the Financials sector. Its industry is property and casualty insurance. It trades on NASDAQ.
Does ACIC pay a dividend?
Yes — AMERICAN COASTAL INSURANCE CORP (ACIC) pays a dividend, with an indicated yield of about 7.73% and at least 2 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are AMERICAN COASTAL INSURANCE CORP's (ACIC) competitors?
Notable peers of AMERICAN COASTAL INSURANCE CORP (ACIC) include Universal Insurance Holdings, Heritage Insurance Holdings, FedNat Holding Company, Slide Insurance and Florida Peninsula Insurance Company. This peer set is informational only — not financial advice.
Is AMERICAN COASTAL INSURANCE CORP (ACIC) overbought or oversold right now?
AMERICAN COASTAL INSURANCE CORP (ACIC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 64, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ACIC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.