AMERICAN COASTAL INSURANCE Corp (ACIC)
AMERICAN COASTAL INSURANCE Corp brought in $310.9M of revenue over the twelve months to September 30, 2026, down 5.3% from a year earlier. Net income was $87.1M, a net margin of 28.0%. Operating cash flow minus capital spending left $70.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $294.7M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about AMERICAN COASTAL INSURANCE Corp
- Net worth
- AMERICAN COASTAL INSURANCE Corp has a market value (market cap) of $485.5M at the latest share price, and shareholders' equity of $355.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $335.4M (+13.1% year on year), with net income of $106.8M. Over the 12 months to September 30, 2026: revenue $310.9M, net income $87.1M.
- Cash flow
- In fiscal 2025 operations brought in $71M of cash; after $155K of capital spending, free cash flow was $70.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- AMERICAN COASTAL INSURANCE Corp's next report is expected around February 18, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- AMERICAN COASTAL INSURANCE Corp declared dividends of $0.75 per share in fiscal 2025, a yield of 7.30% at the current price.
What AMERICAN COASTAL INSURANCE Corp does
AMERICAN COASTAL INSURANCE Corp is registered with the SEC under industry code SIC 6331 (Fire, Marine & Casualty Insurance). Its shares trade on NASDAQ under the ticker ACIC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $335.4M | $106.8M | $2.15 | $70.9M |
| 2024 | $296.7M | $75.7M | $1.54 | $243.5M |
| 2023 | $264.4M | $309.9M | $6.98 | -$136.2M |
| 2022 | $221.7M | -$469.9M | -$10.91 | -$176.2M |
| 2021 | $228.7M | -$57.9M | -$1.35 | -$300.7M |
| 2020 | $846.7M | -$96.5M | -$2.25 | -$21.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where ACIC ranks in Finance
Dividends
AMERICAN COASTAL INSURANCE Corp declared $0.75 per share in fiscal 2025. At the current price that is a yield of 7.30%.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.75 | $0 | 0% |
| 2024 | $0.50 | $24.1M | 32% |
| 2023 | n/a | $0 | 0% |
| 2022 | n/a | $2.6M | n/a |
| 2021 | n/a | $10.4M | n/a |
| 2020 | n/a | $10.3M | n/a |
Latest SEC filings
What AMERICAN COASTAL INSURANCE Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 22% to $70.7M versus the same quarter last year; diluted EPS $0.40 versus $0.65.
- October 29, 2026
- October 2, 2026Executive or director change8-KChristopher Griffith has resigned as Chief Operating Officer and Chief Information Officer of American Coastal Insurance Corporation.
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 4.5% to $82.6M versus the same quarter last year; diluted EPS $0.44 versus $0.53.
- August 5, 2026
- May 29, 2026
- May 15, 2026Other event 8-K
- May 8, 2026Quarterly report 10-Q · period to March 31, 2026Revenue fell 1.4% to $71.2M versus the same quarter last year; diluted EPS $0.39 versus $0.43.
- May 5, 2026
- April 1, 2026
What is ACIC worth? A DCF from its reported cash flow
Insider trades
What the people running AMERICAN COASTAL INSURANCE Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $91.5K and sold $583.9K worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 24, 2026 | Adler BrookeSecretary | Sold | 21,196 | $192K |
| September 22, 2026 | Martz BradPresident & CEO | Bought | 10,000 | $91.5K |
| August 17, 2026 | Griffith ChristopherChief Operating Officer | Exercised options | 19,672 | $85.2K |
| August 17, 2026 | Griffith ChristopherChief Operating Officer | Sold | 19,672 | $185.1K |
| August 17, 2026 | Griffith ChristopherChief Operating Officer | Sold | 22,000 | $206.8K |
| July 15, 2026 | Crawford Troy JChief Underwriting Officer | Shares withheld for tax | 478 | $4.8K |
| May 26, 2026 | Poitevint Alec IIDirector | Received as pay | 5,000 | - |
| May 26, 2026 | Hogan MichaelDirector | Received as pay | 5,000 | - |
Who owns ACIC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Peed Daniel13D, may seek influence with 1 related filers | 34.5% | August 11, 2025 |
| Peed Leah Anneberg13G, passive | 6% | August 8, 2025 |
Largest institutional holders
Insiders
15 insiders reported holding 6,036,284 shares in total, about $62M at the last price.
| Holder | Shares |
|---|---|
| Peed DanielDirector, 10% owner | 1,986,936 |
| Branch Gregory CDirector | 1,729,197 |
| Martz BradPresident & CEO | 444,611 |
| Whittemore Kent GDirector | 374,267 |
| Hogan MichaelDirector | 366,754 |
| Davis Kern MichaelDirector | 309,1904,626 held indirectly |
| Gray James AndyChief Compliance/Risk Officer | 207,504 |
| Poitevint Alec IIDirector | 195,000 |
| Griffith ChristopherChief Operating Officer | 118,724 |
| Maroney PatrickDirector | 103,500 |
Questions about ACIC
What does AMERICAN COASTAL INSURANCE Corp do?
AMERICAN COASTAL INSURANCE Corp is a company in the Finance sector, listed on NASDAQ as ACIC. Its shares trade on NASDAQ under the ticker ACIC.
What is AMERICAN COASTAL INSURANCE Corp's net worth?
AMERICAN COASTAL INSURANCE Corp has a market value (market cap) of $485.5M at the latest share price, and shareholders' equity of $355.7M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is AMERICAN COASTAL INSURANCE Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $87.1M on revenue of $310.9M, a net margin of 28.0%.
How much revenue does AMERICAN COASTAL INSURANCE Corp make?
Over the twelve months to September 30, 2026 AMERICAN COASTAL INSURANCE Corp reported revenue of $310.9M. That is 5.3% less than a year earlier.
When did AMERICAN COASTAL INSURANCE Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is AMERICAN COASTAL INSURANCE Corp's next earnings report?
AMERICAN COASTAL INSURANCE Corp's next report is expected around February 18, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does AMERICAN COASTAL INSURANCE Corp pay a dividend?
Yes. AMERICAN COASTAL INSURANCE Corp declared dividends of $0.75 per share in fiscal 2025, a yield of 7.30% at the current price.
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Where the numbers come from
Financial figures are the values AMERICAN COASTAL INSURANCE Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.