ACIC SEC Filings - American Coastal Insurance 10-K, 10-Q, 8-K Forms
This page provides a comprehensive resource for investors and traders to access American Coastal Insurance (ACIC) SEC filings, including annual reports (10-K), quarterly earnings (10-Q), material events (8-K), and insider trading forms. Each filing is accompanied by AI-generated summaries, impact scoring, and sentiment analysis. Key recent filings detail board and leadership changes, improved Q4 and full-year 2025 earnings, updated investor presentations, restricted stock unit grants to officers, and the renewal of catastrophe reinsurance protections for 2026.
ACIC SEC Filings - American Coastal Insurance 10-K, 10-Q, 8-K Forms
This page provides a comprehensive list of American Coastal Insurance (ACIC) SEC filings, including annual 10-K reports, quarterly 10-Q reports, 8-K material event reports, and insider trading forms. It highlights recent filings with AI-generated summaries, impact scoring, and sentiment analysis for key financial updates and insider transactions. The company's recent Q3 2025 earnings and details on substantial insider ownership stakes are also covered.
American Coastal renews core cat reinsurance programme with $1.918bn coverage
American Coastal Insurance Corp. (ACIC) has renewed its Core Catastrophe Reinsurance Programme for 2026/27, securing approximately $1.918 billion in coverage, an increase of 14.4% from the previous year. The renewal leveraged alternative capital, an external quota share, and optimized layers for hurricane protection, alongside a $200 million placement in new multi-year catastrophe bonds. The programme also reduced its maximum reinstatement premium exposure significantly.
ACIC (ACIC) COO granted options, performance units and RSUs in new awards
AMERICAN COASTAL INSURANCE Corp's Chief Operating Officer, Christopher Griffith, was granted significant new equity awards, including 14,507 nonqualified stock options, 21,719 performance stock units, and 10,859 restricted stock units. These awards, detailed in a recent Form 4 filing, are subject to a three-year vesting schedule, with performance units dependent on specific company achievements. The options are exercisable at $10.59 per share, aligning Griffith's compensation with the company's long-term performance.
American Coastal (NASDAQ: ACIC) boosts 2026 catastrophe limits and cuts reinsurance cost
American Coastal Insurance Corporation (NASDAQ: ACIC) has renewed its core catastrophe reinsurance program for the 2026/27 season, significantly expanding coverage while simultaneously lowering costs. The company increased its aggregate occurrence-based limit to approximately $1.918 billion and incorporated $200 million in new multi-year catastrophe bond capacity. This strategic renewal is expected to reduce net catastrophe loss volatility and impact future GAAP and statutory results positively.
ACIC (ACIC) awards options, PSUs and RSUs to underwriting chief
AMERICAN COASTAL INSURANCE Corp (ACIC) Chief Underwriting Officer Troy J. Crawford received equity awards including 11,038 nonqualified stock options with an exercise price of $10.59 per share, 16,525 performance stock units, and 8,263 restricted stock units. All awards vest over three years, with the performance stock units having a payout range of 0% to 150% based on specific performance factors. This Form 4 filing details the grants, which are designed to align Executive interests with company performance and shareholder value.
ACIC (ACIC) CFO granted options, performance and restricted stock units
AMERICAN COASTAL INSURANCE Corp Chief Financial Officer Svetlana Castle was granted 9,619 nonqualified stock options, 14,400 performance stock units, and 7,200 restricted stock units on May 12, 2026, as part of her compensation. These equity awards, which vest over three years, are designed to align her interests with the company's long-term performance and share value. The grants increase her total holdings to 26,711 options, 27,095 performance stock units, and 13,549 restricted stock units, all directly owned.
AMERICAN COASTAL (ACIC) officer receives new options and stock unit awards
AMERICAN COASTAL INSURANCE Corp officer Brooke Adler received new equity awards, including 13,246 nonqualified stock options with an exercise price of $10.59 per share, 19,830 performance stock units, and 9,915 restricted stock units. These awards, which vest over three years, increase her total holdings to 220,249 options, 35,987 performance units, and 17,994 restricted units. The performance stock units include a clause allowing for 0% to 150% payout based on the achievement of specific performance goals.
[Form 4] AMERICAN COASTAL INSURANCE Corp Insider Trading Activity
This article details the insider trading activity of James Andy Gray, Chief Compliance/Risk Officer at American Coastal Insurance Corp (ACIC), as reported in a Form 4 SEC filing. Gray received new equity awards including 9,619 nonqualified stock options, 14,400 performance stock units, and 7,200 restricted stock units. These awards are subject to multi-year vesting schedules, with the performance units' final share count contingent on performance factors.
[Form 4] AMERICAN COASTAL INSURANCE Corp Insider Trading Activity
AMERICAN COASTAL INSURANCE Corp President & CEO Brad Martz received new equity awards, including nonqualified stock options, performance stock units, and restricted stock units. These awards vest over three years, with performance units potentially ranging from 0% to 150% of the stated amount based on company performance. The SEC Form 4 details these transactions, including the exercise price of $10.59 per share for options.
American Coastal lifting top of reinsurance tower to $1.6bn, adds more aggregate cover: CEO
American Coastal Insurance Company (AmCoastal) has announced that its mid-year 2026 reinsurance renewal is "effectively complete," increasing its reinsurance tower to over $1.6 billion and adding more aggregate protection. CEO Brad Martz noted that risk-adjusted reinsurance costs decreased, allowing for a larger tower and improved frequency and severity protection. The company also shifted its lower layers to an all-perils basis, ensuring robust coverage against non-hurricane events and enabling non-renewal of a January purchase next year.
American Coastal (NASDAQ: ACIC) officer exercises stock units, uses shares for taxes
Brooke Adler, Secretary of American Coastal Insurance Corp (NASDAQ: ACIC), reported exercising equity compensation awards on May 7, 2026, acquiring 11,234 shares of Common Stock. To cover tax obligations, 2,737 shares were disposed of at $10.85 per share. After these transactions, Adler directly holds 124,108 shares of Common Stock, with additional holdings in various unvested units.
ACIC (ACIC) compliance chief exercises stock units and settles tax with shares
AMERICAN COASTAL INSURANCE Corp's Chief Compliance/Risk Officer, James Andy Gray, exercised equity awards covering 6,619 shares and had 3,042 shares withheld for tax obligations at $10.85 per share. Following these transactions, Gray directly owns 210,546 shares of Common Stock. He also maintains holdings in performance stock units, restricted stock units, and dividend equivalent units, which generally vest over three years.
ACIC (ACIC) COO updates share position after equity awards and tax withholding
Christopher Griffith, the Chief Operating Officer of American Coastal Insurance Corp (ACIC), updated his share position following equity awards and tax withholding. He exercised performance, restricted, and dividend equivalent stock units, increasing his common stock holdings. To cover tax liabilities, 4,751 common shares were disposed of at $10.85 per share through a tax-withholding transaction, not an open market sale. After these transactions, Griffith directly holds 145,475 common shares.
Wall Street Zen Downgrades American Coastal Insurance (NASDAQ:ACIC) to Hold
Wall Street Zen has downgraded American Coastal Insurance (NASDAQ:ACIC) from a "Buy" to a "Hold" rating following the company's recent Q1 earnings report. American Coastal Insurance missed analyst consensus for both earnings per share and revenue. The stock's price performance is below its 50-day and 200-day moving averages, though institutional investors hold a significant portion of the shares.
American Coastal’s Q1’26 CoR hits 66%
American Coastal Insurance Corporation (ACIC) reported a Q1 2026 combined ratio of 66%, nearly flat from 65% in Q1 2025, despite decreased gross written premiums and revenues due to increased competition and market softening. The insurer renewed its all-other-perils catastrophe excess of loss agreement and maintained profitability, with CEO B. Bradford Martz emphasizing strategic capital deployment and prudent risk selection in a soft market.
American Coastal Insurance (NASDAQ:ACIC) Reaches New 12-Month Low - Time to Sell?
American Coastal Insurance (NASDAQ:ACIC) shares hit a new 52-week low, trading as low as $9.80 and falling roughly 12% following Q1 results that missed analyst estimates for both EPS and revenue. Despite the miss, management highlighted strong profitability with a 31.32% net margin and 32.76% ROE, alongside $150M-$200M of excess capital and an increased reinsurance exhaustion point to over $1.6B to reduce catastrophe risk. The company maintains a "Moderate Buy" consensus rating from analysts, with recent upgrades from Wall Street Zen and Weiss Ratings.
American Coastal Insurance (NASDAQ:ACIC) Shares Gap Down Following Weak Earnings
American Coastal Insurance (NASDAQ:ACIC) saw its shares gap down after reporting weaker-than-expected quarterly earnings, missing analyst estimates for both EPS and revenue. Despite the dip, the company has a "Moderate Buy" consensus rating from analysts, with several institutional investors increasing their stakes. The stock trades with a market capitalization of $506.79 million and a PE ratio of 4.86.
High-ROE quarter for American Coastal (NASDAQ: ACIC) even as premiums fall
American Coastal Insurance Corporation (NASDAQ: ACIC) reported strong profitability for Q1 2026, with a robust 24.5% return on equity and a favorable combined ratio of 66.0%, despite a 24.5% decline in gross premiums written due to increased competition and a softer commercial property market. The company maintained underwriting discipline, leading to consistent earnings, and saw its book value per share increase to $6.86. Management emphasized strategic capital deployment, specialized underwriting, and risk selection to navigate the dynamic marketplace.
Earnings call transcript: American Coastal Insurance Q1 2026 shows resilience
American Coastal Insurance Corporation (ACIC) reported a stable financial performance in Q1 2026, with a net income of $19.3 million despite a softening commercial property insurance market. The company maintained strong underwriting discipline with a combined ratio of 66% and is expanding into the Excess and Surplus (E&S) market, targeting $50-80 million in premiums for 2026. ACIC emphasized its strategic flexibility due to $150-200 million in excess capital, while also addressing analyst questions on reinsurance renewals and capital allocation.
Earnings call transcript: American Coastal Insurance Q1 2026 shows resilience
American Coastal Insurance Corporation (ACIC) reported Q1 2026 net income of $19.3 million, a $1.4 million decrease year-over-year, but showcased stable financial performance with a combined ratio of 66%. The company is expanding into the Excess and Surplus (E&S) market, targeting $50-80 million in premiums for 2026, and is strategically focused on disciplined underwriting and market expansion despite a softening commercial property insurance market. ACIC also successfully completed its core catastrophe reinsurance program renewal, securing risk-adjusted cost decreases and increased protection.
American Coastal Insurance Q1 Earnings Call Highlights
American Coastal Insurance reported a profitable first quarter with $19.3 million in net income and a strong combined ratio of 66%, indicating stable underwriting margins despite a softening commercial property insurance market. The company successfully executed its June 1 catastrophe reinsurance renewal, achieving risk-adjusted cost decreases and increasing its exhaustion point to over $1.6 billion. Additionally, American Coastal commenced its Excess and Surplus (E&S) operations and anticipates significant incremental E&S premium in 2026, with plans for an AM Best-rated fronting option to be operational by Q3.
American Coastal Insurance Corporation Reports Financial Results for Its First Quarter Ended March 31, 2026
American Coastal Insurance Corporation (ACIC) reported its financial results for the first quarter ended March 31, 2026, showing a consolidated net income of $19.3 million, down from $21.3 million in the prior year primarily due to discontinued operations in 2025. Gross premiums written decreased by 24.5% due to increased competition and market softening, while the company maintained a healthy combined ratio of 66.0%. The company emphasized its strategic focus on specialized partnerships, targeted commercial property business, and AI integration to navigate the dynamic marketplace and drive long-term value.
Premiums fall 24.5%, but American Coastal still earns $19.3M
American Coastal Insurance Corporation (ACIC) reported Q1 2026 net income of $19.3 million ($0.39 diluted EPS), despite gross premiums written falling 24.5% year-over-year to $149.4 million. The company maintained a disciplined combined ratio of 66.0% and increased book value per share by 27.1% to $6.86. The decline in premiums was attributed to a softer commercial market and increased competition, while the company paid a $36.6 million dividend during the quarter.
American Coastal Insurance Corporation Reports Financial Results for Its First Quarter Ended March 31, 2026
American Coastal Insurance Corporation (Nasdaq: ACIC) reported its financial results for the first quarter ended March 31, 2026, showing a net income of $19.3 million, or $0.39 per diluted share, a decrease from the prior year due primarily to discontinued operations in 2025. The company's gross premiums written decreased by 24.5% to $149.4 million, attributed to increased competition and market softening. Despite these changes, the company maintained a healthy combined ratio of 66.0% and underlying combined ratio of 68.3%, consistent with its targets.
American Coastal: Q1 Earnings Snapshot
American Coastal Insurance Corporation (ACIC) reported a first-quarter profit of $19.3 million, translating to 39 cents per share. The property and casualty insurer generated $71.2 million in revenue for the period. The company's shares have declined 6% year-to-date, though they saw a nearly 2% increase in the last 12 months, closing at $11.87 on Tuesday.
American Coastal Insurance Corp expected to post earnings of 44 cents a share - Earnings Preview
American Coastal Insurance Corp (ACIC) is anticipated to report earnings of 44 cents per share. This earnings preview highlights the market's expectation for the company's upcoming financial disclosure. The article is a brief report from Refinitiv distributed via TradingView News.
American Coastal Insurance (NASDAQ:ACIC) Trading Up 0.4% - Here's Why
American Coastal Insurance (NASDAQ:ACIC) saw its shares trade up 0.4% during mid-day trading with reduced volume. Several analysts have recently upgraded the stock to a "buy" or initiated coverage at "market perform," leading to a consensus "Moderate Buy" rating. Institutional investors have also significantly increased their holdings in the company.
Three Top Dividend Stocks For Reliable Income
This article highlights three dividend stocks—American Coastal Insurance (ACIC), J&J Snack Foods (JJSF), and Ennis (EBF)—as potential opportunities for investors seeking reliable income in the current market. It provides an overview of each company, their dividend yields, and analysis of their financial health and dividend sustainability. The article emphasizes that while the US market has seen significant growth, dividend stocks offer stability.
American Coastal secures targeted $200m Florida multi-peril cover with Armor Re II 2026-1 cat bond
American Coastal Insurance Company has successfully priced its "Armor Re II Ltd. (Series 2026-1)" catastrophe bond, securing $200 million in multi-peril reinsurance protection from the capital markets. This marks the first Florida-focused multi-peril cat bond solely sponsored by American Coastal. The deal provides over three years of coverage for perils like named storms and earthquakes, with pricing adjusted to be more favorable than initially targeted for the insurer.
American Coastal Insurance Corporation Schedules First Quarter Financial Results and Conference Call
American Coastal Insurance Corporation (ACIC) announced that it will release its first-quarter 2026 financial results on Tuesday, May 5, 2026, after the market closes. Immediately following, a conference call will be held at 5:00 p.m. ET to discuss the results, which will include live remarks and a Q&A session. Interested parties can participate via dial-in numbers or webcast.
American Coastal posts Q1 results May 5, with investor call at 5 p.m.
American Coastal Insurance Corporation (NASDAQ: ACIC) will release its first-quarter 2026 financial results on Tuesday, May 5, 2026, after market close. A conference call featuring live remarks and a Q&A session will follow on the same day at 5:00 p.m. ET. The company has a history of modest stock price reactions to such scheduling announcements, and investors will be looking for updates on strategic and capital-return outlooks.
American Coastal keeps $200m target for Armor Re II 2026-1 cat bond, but adjusts price guidance
American Coastal Insurance Company (AmCoastal Insurance) is proceeding with its Armor Re II Ltd. (Series 2026-1) catastrophe bond, aiming to secure $200 million in multi-peril reinsurance. While the target size remains unchanged, the company has tightened the price guidance for both tranches of notes to attract investors. This cat bond will provide three years of Florida multi-peril reinsurance coverage, primarily for named storms, starting June 1st, 2026.
American Coastal Insurance Corp. Experiences Revision in Stock Evaluation Amid Market Dynamics
American Coastal Insurance Corp. has undergone a stock evaluation revision amidst fluctuating market conditions, with its stock currently priced at $11.47. Despite recent underperformance year-to-date, the company has shown significant long-term gains, outperforming the S&P 500 over a three-year period. Technical indicators present a mixed to mildly bearish outlook in the short term, while the Dow Theory suggests a mildly bullish trend monthly.
American Coastal Insurance (ACIC) secretary exercises stock units, withholds shares for taxes
American Coastal Insurance Corp's Secretary, Brooke Adler, exercised various equity awards including performance stock units, restricted stock units, and dividend equivalent units, converting them into common shares. Adler also settled tax obligations by withholding 3,712 common shares valued at $10.97 each. Following these transactions, Brooke Adler directly holds 95,283 shares of American Coastal common stock.
American Coastal Insurance (ACIC) CFO exercises stock units, covers taxes in shares
American Coastal Insurance Corp's CFO, Svetlana Castle, recently exercised various equity awards including performance stock units, restricted stock units, and dividend equivalent units, converting them into common stock. To satisfy tax obligations related to these transactions, Castle had 3,934 shares withheld at $10.97 per share. Following these compensation-related events, she directly holds 11,096 shares of ACIC common stock.
American Coastal (ACIC) CEO converts stock units and withholds shares for taxes
American Coastal Insurance Corp (ACIC) CEO Brad Martz converted 25,903 performance stock units, restricted stock units, and dividend equivalent units into common stock on April 3, 2026. To cover tax obligations related to this vesting, 10,365 common shares were withheld at $10.97 per share. Following these transactions, Martz directly holds 381,481 shares of ACIC common stock, reflecting a routine equity award vesting process rather than open-market trading.
American Coastal Insurance (ACIC) COO exercises stock awards, shares withheld for tax
American Coastal Insurance Corp's COO, Christopher Griffith, exercised various equity awards including performance stock units, restricted stock units, and dividend equivalent units, converting them into common shares. To cover tax obligations, 4,241 common shares were withheld, rather than sold. Following these transactions, Griffith directly owns 113,075 shares of ACIC common stock.
American Coastal Insurance (ACIC) officer exercises awards, boosts holdings
James Andy Gray, Chief Compliance/Risk Officer of American Coastal Insurance Corp (ACIC), exercised various stock-based awards on April 3, converting performance stock units, restricted stock units, and dividend equivalent units into common shares. He acquired 9,829 common shares through derivative exercises and disposed of 3,703 shares for tax obligations, resulting in a direct holding of 201,720 common shares. Gray also continues to hold 16,833 performance stock units and 8,418 restricted stock units, which are subject to three-year vesting conditions.
American Coastal Insurance (NASDAQ:ACIC) Upgraded at Wall Street Zen
American Coastal Insurance (NASDAQ:ACIC) has been upgraded from a "hold" to a "buy" rating by Wall Street Zen, raising its average rating on MarketBeat to "Moderate Buy." The company's stock traded up by approximately 1.3% at $11.11, with a market capitalization of $540.6 million. Several institutional investors and hedge funds have recently increased their positions in ACIC, collectively owning 22.11% of the company's stock.
ACIC PE Ratio & Valuation, Is ACIC Overvalued
American Coastal Insurance Corp (ACIC) is currently considered overvalued, with its forward Price-to-Sales (PS) ratio of 1.75 exceeding its five-year average of 2.99, indicating a 6.73% overvaluation compared to its fair price range of $3.36 to $10.30. Its P/S ratio is also significantly higher than the industry average, despite strong revenue growth, raising questions about its sustainability. Key metrics like P/B ratio and FCF yield suggest mixed valuation signals when compared to historical averages.
American Coastal Insurance Corp. Experiences Revision in Its Stock Evaluation Amid Market Volatility
American Coastal Insurance Corp. has recently seen its stock price decline to $11.13 amidst market volatility, though it has significantly outperformed the S&P 500 over the past three years with a 348.79% return. Despite this long-term strength, technical indicators like MACD and Bollinger Bands currently suggest a bearish sentiment for the microcap insurance player. The article highlights the company's resilience despite recent challenges, contrasting its short-term underperformance against the S&P 500 with its strong long-term gains.
American Coastal Insurance Corporation (NASDAQ:ACIC) Short Interest Up 23.8% in March
American Coastal Insurance Corporation (NASDAQ:ACIC) saw a significant 23.8% increase in short interest in March, reaching 621,129 shares, which represents 2.5% of its stock sold short. Institutional investors, including Russell Investments and Tower Research, have increased their holdings, with hedge funds and institutions now owning 22.11% of the company. Despite limited analyst coverage, the stock holds a "Moderate Buy" consensus rating, while its price performance shows a 1-year low of $9.97 and a 1-year high of $13.06.
Short Interest in American Coastal Insurance Rises 23.8% in March
Short interest in American Coastal Insurance (NASDAQ:ACIC) significantly increased by 23.8% in March, reaching 621,129 shares sold short. This rise reflects growing bearish sentiment towards the coastal property and casualty insurer, potentially indicating concerns about its performance or the broader insurance market amidst economic uncertainty. Investors are advised to closely monitor this trend and the underlying factors driving it.
Top Dividend Stocks To Consider In March 2026
This article identifies a selection of top dividend stocks for investors to consider in March 2026, focusing on companies with consistent payouts despite a recent dip in the U.S. market. It highlights American Coastal Insurance, First Merchants, and Central Pacific Financial, detailing their dividend yields, payout ratios, and financial health. The analysis aims to help investors seeking a balance of income and capital appreciation.
American Coastal seeks $200m Florida multi-peril cover with Armor Re II 2026-1 cat bond
American Coastal Insurance Company (AmCoastal) is re-entering the catastrophe bond market with its new Armor Re II Ltd. (Series 2026-1) transaction, aiming to secure $200 million in multi-peril reinsurance coverage for Florida. This marks AmCoastal's first solely sponsored Florida multi-peril cat bond, following previous similar issuances. The offering includes two tranches of notes with varying risk profiles, providing coverage for named storm, earthquake fire following, severe weather, and fire perils on an indemnity, per-occurrence basis for three years.
Davis Kern Michael, ACIC director, buys $2210 in stock
Davis Kern Michael, a director at American Coastal Insurance (NASDAQ:ACIC), recently purchased 200 shares of company stock for $2,210. This insider transaction comes as the stock trades at a P/E ratio of 5.32, with analysis suggesting it may be undervalued. Additionally, Oppenheimer initiated coverage on ACIC with a "Perform" rating, citing the company's strong position in the Florida commercial residential insurance market, particularly in the condominium segment.
American Coastal Insurance (ACIC) director buys shares for children
American Coastal Insurance Corp director Michael Kern Davis made minor open-market purchases of company stock for accounts held by his children. On March 20, 2026, he acquired 100 shares for each of his two children at $11.05 per share. These indirect purchases of 200 shares total are modest compared to his direct ownership of 299,564 shares.
American Coastal Insurance (NASDAQ:ACIC) Upgraded to Buy at Wall Street Zen
Wall Street Zen has upgraded American Coastal Insurance (NASDAQ:ACIC) from "hold" to "buy," with Weiss Ratings also raising its rating to "buy." This contributes to a consensus "Moderate Buy" rating for the company, despite Oppenheimer initiating coverage at "market perform." ACIC is trading near $11 with a market cap of approximately $538 million and a P/E ratio of 5.17.
Davis Kern Michael buys American Coastal Insurance (ACIC) shares By Investing.com
Director Davis Kern Michael of American Coastal Insurance (NASDAQ:ACIC) recently purchased 800 shares of common stock across multiple transactions on March 18 and 19, 2026, for a total value of $8,944. These purchases occurred as the stock trades near a P/E ratio of 5.08 and offers a 6.65% dividend yield, with InvestingPro analysis suggesting it is undervalued. Separately, Oppenheimer initiated coverage on American Coastal Insurance with a "Perform" rating, noting its strong presence and superior margins in the Florida commercial residential insurance market.
