American Coastal Insurance Corporation
NASDAQ•ACIC
CEO: Mr. Robert Daniel Peed
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 2007-11-07
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property, and casualty insurance business in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, and cyber security policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
Contact Information
Market Cap
$539.83M
P/E (TTM)
6.3
13.2
Dividend Yield
6.8%
52W High
$13.50
52W Low
$9.97
52W Range
Rank43Top 50.7%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q3 2025 Data
Revenue
$90.29M+9.93%
4-Quarter Trend
EPS
$0.67+13.56%
4-Quarter Trend
FCF
-$35.62M+296.16%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Q3 Net Income Growth Q3 Net Income $32.48M, up 17.4% from $27.67M, driven by continuing operations performance.
Nine Month Premium Growth Nine Months Net Premiums Earned $227.53M, showing 13.5% growth compared to $200.50M last year.
Strong Liquidity Position Total cash, restricted cash, and equivalents grew to $359.14M, a $159.74M increase since year-end 2024.
Stockholders' Equity Improvement Total Equity improved to $327.22M as of September 30, 2025, up from $235.66M previously reported.
Risk Factors
Vendor Concentration Risk Heavy reliance on AmRisc MGA contract; failure to meet volume targets impacts substantial premium revenues.
Catastrophe Event Exposure Continued high exposure to severe weather events in Florida underwriting focus, impacting loss ratios.
Potential Reserve Shortfalls Risk that actual incurred claims exceed established loss reserves, potentially impacting statutory surplus levels.
Regulatory Dividend Restrictions State laws heavily regulate operations, restricting dividend payments if statutory surplus falls below minimum RBC guidelines.
Outlook
Streamlined Business Focus Completed sale of IIC, streamlining remaining operations exclusively to commercial residential property insurance in Florida.
Debt Interest Rate Reduction Senior Notes interest rate decreases to 6.25% effective December 2025 following recent issuer rating upgrade.
Stock Repurchase Authorization Board authorized up to $25.0M stock repurchase plan; execution timing is discretionary based on market conditions.
G&A Expense Reduction Nine months G&A expenses decreased $4.87M, aided by non-recurring $4.47M Employee Retention Credit refund receipt.
Peer Comparison
Revenue (TTM)
$1.58B
$1.35B
$1.22B
Gross Margin (Latest Quarter)
60.1%
43.5%
43.3%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| SAFT | $1.13B | 12.8 | 10.1% | 1.7% |
| UFCS | $903.72M | 8.1 | 13.3% | 3.9% |
| UVE | $836.70M | 6.8 | 28.0% | 3.3% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.4%
Moderate Growth
4Q Net Income CAGR
87.3%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Next earnings:Feb 26, 2026
EPS:$0.41
|Revenue:-
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 6, 2025|Revenue: $90.29M+9.9%|EPS: $0.67+13.6%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 7, 2025|Revenue: $86.36M+25.8%|EPS: $0.55+37.5%MeetForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 8, 2025|Revenue: $72.20M+8.4%|EPS: $0.41-18.0%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Mar 10, 2025|Revenue: $296.66M+12.5%|EPS: $1.58-77.8%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 12, 2024|Revenue: $82.14M+56.4%|EPS: $0.59+145.8%MeetForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 8, 2024|Revenue: $68.66M-13.4%|EPS: $0.40-2.4%MeetForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 10, 2024|Revenue: $66.60M-36.0%|EPS: $0.50-91.7%MeetForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Mar 15, 2024|Revenue: $286.54M+19.4%|EPS: $7.11+165.4%Beat