AMERICAN COASTAL INSURANCE CORP (ACIC)
Financials · Commercial property and casualty insurance · NASDAQ
American Coastal Insurance Corporation is a Florida-focused commercial property and casualty insurer specializing in catastrophe-exposed residential properties including condominiums, apartments, and assisted living facilities.
What AMERICAN COASTAL INSURANCE CORP does
American Coastal Insurance Corporation is a holding company that principally engages in the commercial property and casualty insurance business through its wholly owned subsidiary, American Coastal Insurance Company (AmCoastal). The company writes commercial multi-peril property insurance for residential condominium associations, apartments, and assisted living facilities in Florida, targeting areas where large national carriers have reduced concentration due to natural catastrophe exposure. The company also earns commissions on equipment breakdown, identity theft, and flood policies with no retained risk.
Themes: Commercial property insurance, Catastrophe-exposed risk, Florida insurance market, Residential property (condominiums, apartments), Managing general agency partnerships
Fundamentals
- Price$9.18 as of 2026-08-21 close
- Market cap$445M as of 2026-08-21
- 1-year return-15.8% 2025-08-21 close $10.90 → 2026-08-21 close $9.18
- P/E4.52 as of 2026-08-24
- Net margin+31.3% as of 2026-08-24
- ROE+33.0% as of 2026-08-24
- Debt / equity0.45 as of 2026-08-24
- Revenue growth (YoY)+10.7% as of 2026-08-24
- Revenue CAGR (3y)+14.8% SEC XBRL
- Beta-0.58 as of 2026-08-24
- 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% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 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 18.2% 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 71 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 31, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It just made a new 20-day low, breaking below its recent trading range. It is 0.9% above its 52-week low (its lowest price of the past year).
Trend
8
| Distance from the 200-day | it is trading 18.2% below its 200-day average, the long-term trend line — a long-term downtrend | -18.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $10.52 | $10.52 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $11.23 | $11.23 |
| 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 high 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 11.24. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 71 trading days ago — a "death cross", a bearish long-term signal | 71 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with sellers in control | 31.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 31, neither overbought (above 70) nor oversold (below 30) | 31.3 |
|---|---|---|
| Position in its 14-day range | it is trading right at the bottom of its 14-day range ($9.10 to $11.24) — its "stochastic" reading is 4 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. | 3.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 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 29.7% below its 52-week high (its highest price of the past year) | -29.7% |
| Above the 52-week low | it is 0.9% above its 52-week low (its lowest price of the past year) | +0.9% |
| Below the 52-week high | it is 29.7% below its highest point of the past year | 29.7% |
| Since a 20-day breakout | it just made a new 20-day low, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day low, breaking below its recent trading range | 1 session |
| 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 ($9.18 to $13.03), and it has recovered essentially none of its fall from last year’s high — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $11.56 to $11.68. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 67.7% below its all-time high | -67.7% |
| Nearest price level | it is trading 6.7% below a resistance level at $9.79 — a price it turned at three times since 2026-05-06, most recently on 2026-07-23. Since 2024-08-21 it has 0 such levels below the current price and 12 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +6.7% |
| 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 3065.5% above its all-time low | +3,066% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 99% of the past ~6 months) | 99th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3516 between its high and its low — about 3.8% 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 | $0.3516 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $8.92 and $11.40 — 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 | $8.92 – $10.16 – $11.40 |
| Typical daily range (% of price) | its price moves about 3.8% in a typical session — about typical for the 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 | 3.8% |
| Stretch from the 200-day average | it is trading 5.8 daily ranges below its 200-day average price (18.3% 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 | 5.8 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 | 1.09× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | today 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 | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 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 4.8% gap up opened on 2026-08-07 has been "filled" 9 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 9 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -3.47% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 12.2 percentage points (the stock lost 9.9% while the market gained 2.3%) | -12.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 18.5 percentage points (the stock lost 15.4% while the market gained 3.1%) | -18.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 26.8 percentage points (the stock lost 15.7% while the market gained 11.1%) | -26.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 36.3 percentage points (the stock lost 15.8% while the market gained 20.5%) | -36.3% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 7 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 7 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 16% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.5% of the share price, which is taken to mean a barrier that gives way easily. | -15.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 16% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $10.89 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | -15.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% below the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is under water. That average is $9.88 — a volume-weighted average of daily closes over 13 sessions, not a true tick-by-tick VWAP. | -7.1% |
Price levels it has turned at before
ACIC last closed at $9.18 on 2026-08-21. Since 2024-08-21 it has turned at 0 prices below its last close and 12 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $9.79 | Resistance | 6.7% above the last close | turned there three times · 2026-05-06 to 2026-07-23 |
| $10.05 | Resistance | 9.5% above the last close | turned there three times · 2024-10-22 to 2025-08-01 |
| $10.29 | Resistance | 12.1% above the last close | turned there three times · 2025-04-07 to 2026-02-20 |
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 in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $11.24.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $8.07 and $9.28 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $11.24.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
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 · Near the 52-week low · Pulled back from the 12-month high · Broke down to a new 20-day low · lagging the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.50 mean, 1=Strong Buy…5=Strong Sell) — 1 analyst
- Mean price target$13.00 range $13.00 – $13.00
Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for ACIC
- Consensus EPS estimate$0.025 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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)
["Exposure to catastrophic events and severe weather conditions, particularly in Florida where the company concentrates its underwriting","Reliance on key vendor relationships, particularly AmRisc LLC for condominium distribution through an exclusive managing general agency agreement, and dependence on their ability to maintain adequate data security","Risk that actual claims incurred may exceed loss reserves, and the cyclical nature of the property and casualty insurance industry may cause pricing and terms to decline"]
What changed in the latest 10-Q
AI-assisted comparison of ACIC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Page number for 'Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations' changed from 35 (filed 2025-11-06) to 34 (filed 2026-05-08)
- Page number for 'Item 3. Quantitative and Qualitative Disclosures About Market Risk' changed from 49 (filed 2025-11-06) to 47 (filed 2026-05-08)
- Page number for 'Item 4. Controls and Procedures' changed from 50 (filed 2025-11-06) to 48 (filed 2026-05-08)
- Page number for 'Item 1. Legal Proceedings' changed from 51 (filed 2025-11-06) to 49 (filed 2026-05-08)
- Notes:
- Only table of contents page numbers are shown in the provided text; substantive content of MD&A sections cannot be assessed from this excerpt
Risk Factors
- Added:
- Reference updated to Annual Report on Form 10-K for the year ended December 31, 2025 (filed 2026-05-08)
- Removed:
- Reference to Annual Report on Form 10-K for the year ended December 31, 2024 (filed 2025-11-06)
- Reworded:
- Florida reference changed from 'Florida the state' (older) to 'Florida, the state' (newer) - punctuation correction
- Notes:
- The two filings compare different periods (Q1 2026 vs Q3 2025) and therefore contain entirely different financial statements with different balance sheet values; the comparison focuses only on Risk Factors and Forward-Looking Statements sections
- Page numbers differ between filings (49-52 in newer vs 51-54 in older), but this reflects document length differences unrelated to substantive content changes
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($391914) — 1 selling insider
- Last 90 days0 buys · 2 sells ($391914) — 1 selling insider
- Last 180 days0 buys · 2 sells ($391914) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-17. As of 2026-08-24.
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)
5 institutional 13F filers reported holding ACIC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,144,919
- Reported value $35,380,339
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 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.
Short interest (FINRA)
ACIC had 1,249,767 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ACIC had 2.58% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.96 days to cover at the same settlement.
- Reported short interest (shares) 1,249,767
- Short interest (% of shares outstanding) 2.58%
- Prior settlement (shares) 1,109,426
- Reported change 12.65%
- Days to cover (reported) 4.96
Reported to FINRA as of the 2026-07-31 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.
Compare ACIC vs…
Frequently asked questions
What does AMERICAN COASTAL INSURANCE CORP (ACIC) do?
American Coastal Insurance Corporation is a holding company that principally engages in the commercial property and casualty insurance business through its wholly owned subsidiary, American Coastal Insurance Company (AmCoastal). The company writes commercial multi-peril property insurance for residential condominium associations, apartments, and assisted living facilities in Florida, targeting areas where large national carriers have reduced concentration due to natural catastrophe exposure.
What sector is AMERICAN COASTAL INSURANCE CORP (ACIC) in?
AMERICAN COASTAL INSURANCE CORP (ACIC) is classified in the Financials sector. Its industry is Commercial 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 2026-08-24). 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 31, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ACIC come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.