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American Coastal Insurance Corporation ACIC
Financial Services - Insurance - Property & Casualty - NASDAQ - US
Watchlist
$ 10.96
-6.72 %
$ 530 M
Market Cap
7.46
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ACIC stock under the worst case scenario is HIDDEN Compared to the current market price of 11 USD, American Coastal Insurance Corporation is HIDDEN

ACIC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ACIC stock under the base case scenario is HIDDEN Compared to the current market price of 11 USD, American Coastal Insurance Corporation is HIDDEN

ACIC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ACIC stock under the best case scenario is HIDDEN Compared to the current market price of 11 USD, American Coastal Insurance Corporation is HIDDEN

ACIC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ACIC

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1M --%
6M -22%
1Y 5%
3Y 564%
5Y 73%
All
$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.515 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
297 M REVENUE
3.53%
Growth Rates
1Year 3.53%
3Years -22.39%
5Years -18.50%
7Years -10.69%
10Years 0.57%
112 M OPERATING INCOME
-54.79%
Growth Rates
1Year -54.79%
3Years 45.05%
5Years 33.57%
7Years 22.86%
10Years 7.18%
75.7 M NET INCOME
-75.57%
Growth Rates
1Year -75.57%
3Years 48.35%
5Years 35.50%
7Years 33.26%
10Years 6.32%
244 M OPERATING CASH FLOW
279.05%
Growth Rates
1Year 279.05%
3Years 41.35%
5Years 10.32%
7Years 49.91%
10Years 13.45%
-179 M INVESTING CASH FLOW
-6944.46%
Growth Rates
1Year -6944.46%
3Years -19.65%
5Years -39.45%
7Years -57.84%
10Years -6.96%
-13.8 M FINANCING CASH FLOW
-51.70%
Growth Rates
1Year -51.70%
3Years -4.28%
5Years -2.73%
7Years -1.59%
10Years -2.52%
72.2 M REVENUE
-8.91%
Growth Rates
1Year 3.53%
3Years -22.39%
5Years -18.50%
7Years -10.69%
10Years 0.57%
62.7 M OPERATING INCOME
4262.98%
Growth Rates
1Year -54.79%
3Years 45.05%
5Years 33.57%
7Years 22.86%
10Years 7.18%
21.3 M NET INCOME
331.62%
Growth Rates
1Year -75.57%
3Years 48.35%
5Years 35.50%
7Years 33.26%
10Years 6.32%
26.4 M OPERATING CASH FLOW
1550.62%
Growth Rates
1Year 279.05%
3Years 41.35%
5Years 10.32%
7Years 49.91%
10Years 13.45%
5.2 M INVESTING CASH FLOW
131.91%
Growth Rates
1Year -6944.46%
3Years -19.65%
5Years -39.45%
7Years -57.84%
10Years -6.96%
309 K FINANCING CASH FLOW
101.21%
Growth Rates
1Year -51.70%
3Years -4.28%
5Years -2.73%
7Years -1.59%
10Years -2.52%
Balance Sheet American Coastal Insurance Corporation
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Current Assets 309 M
Cash & Short-Term Investments 285 M
Receivables 0
Other Current Assets 23.9 M
Non-Current Assets 143 M
Long-Term Investments 0
PP&E 135 M
Other Non-Current Assets 7.9 M
63.10 %5.29 %29.86 %Total Assets$451.7m
Current Liabilities 71.1 M
Accounts Payable 14.6 M
Short-Term Debt 0
Other Current Liabilities 56.5 M
Non-Current Liabilities 178 M
Long-Term Debt 152 M
Other Non-Current Liabilities 25.2 M
5.87 %22.73 %61.28 %10.12 %Total Liabilities$248.6m
EFFICIENCY
Earnings Waterfall American Coastal Insurance Corporation
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Revenue 297 M
Cost Of Revenue 0
Gross Profit 297 M
Operating Expenses 195 M
Operating Income 112 M
Other Expenses 35.9 M
Net Income 75.7 M
300m300m250m250m200m200m150m150m100m100m50m50m00297m0297m(195m)112m(36m)76mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
37.62% OPERATING MARGIN
37.62%
Averages
1Year 37.62%
3Years 7.58%
5Years 1.20%
7Years -0.38%
10Years -0.43%
25.52% NET MARGIN
25.52%
Averages
1Year 25.52%
3Years 10.31%
5Years 4.35%
7Years 2.60%
10Years 2.86%
32.13% ROE
32.13%
Averages
1Year 32.13%
3Years 158.50%
5Years 91.39%
7Years 64.44%
10Years 46.67%
6.23% ROA
6.23%
Averages
1Year 6.23%
3Years 6.32%
5Years 3.36%
7Years 2.23%
10Years 2.04%
22.01% ROIC
22.01%
Averages
1Year 22.01%
3Years 18.73%
5Years 11.81%
7Years 8.20%
10Years 2.53%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis American Coastal Insurance Corporation
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300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 75.7 M
Depreciation & Amortization 11.7 M
Capital Expenditures -22 K
Stock-Based Compensation 2.54 M
Change in Working Capital 161 M
Others -7.99 M
Free Cash Flow 243 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets American Coastal Insurance Corporation
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ACIC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
4.32% DIVIDEND YIELD
0.5 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.050.050.060.060.060.060.060.060.50.050.060.060.060.060.060.060.050.060.060.060.060.060.060.050.200.060.230.060.240.060.240.060.240.060.240.060.240.060.50201520152016201620172017201820182019201920202020202120212022202220252025
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5. COMPETITION
6. Ownership
Insider Ownership American Coastal Insurance Corporation
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Sold
0-3 MONTHS
118 K USD 1
3-6 MONTHS
1.32 M USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
1.1 M USD 2
Bought
110 K USD 1
0-3 MONTHS
43.7 K USD 1
3-6 MONTHS
96.1 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
American Coastal Insurance: Floridian Risks Counter Improvements ACIC has transformed into a Florida-focused commercial property insurer, exiting personal lines and New York to target niche markets avoided by national carriers. Q1 2025 results show improved profitability and a strong balance sheet, but the company remains highly exposed to Florida's hurricane risks. Despite a new dividend and potential for tangible book value growth, ACIC trades at a premium with limited growth prospects. seekingalpha.com - 3 weeks ago
American Coastal Insurance Corporation (ACIC) Q1 2025 Earnings Conference Call Transcript American Coastal Insurance Corporation (NASDAQ:ACIC ) Q1 2025 Earnings Conference Call May 8, 2025 5:00 PM ET Company Participants Bradford Martz - President & CEO Svetlana Castle - CFO Karin Daly - IR, The Equity Group Conference Call Participants Greg Peters - Raymond James Bill Dezellem - Tieton Capital Operator Greetings, and welcome to the American Coastal Insurance Corporation first quarter 2025 earnings conference calling webcast. At this time, all participants are in a listen-only mode. seekingalpha.com - 1 month ago
American Coastal Insurance (ACIC) Surpasses Q1 Earnings Estimates American Coastal Insurance (ACIC) came out with quarterly earnings of $0.42 per share, beating the Zacks Consensus Estimate of $0.40 per share. This compares to earnings of $0.50 per share a year ago. zacks.com - 1 month ago
American Coastal Insurance Corporation Reports Financial Results for its First Quarter Ended March 31, 2025 Company to Host Quarterly Conference Call at 5:00 P.M. ET on May 8, 2025 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website at investors.amcoastal.com/Presentations. globenewswire.com - 1 month ago
American Coastal Insurance Corporation Schedules First Quarter Financial Results and Conference Call ST. PETERSBURG, Fla., April 24, 2025 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”) the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today that it expects to release its financial results for the first quarter ended March 31, 2025, on Thursday, May 8, 2025, after the close of the market, and will conduct its quarterly conference call at 5:00 p.m. ET. globenewswire.com - 1 month ago
American Coastal Insurance Corporation Announces the Sale of its Personal Lines Subsidiary, Interboro Insurance Company ST. PETERSBURG, Fla., April 01, 2025 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”), the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today that it has completed the previously announced sale of Interboro Insurance Company (“Interboro” or “IIC”) to Forza Insurance Holdings, LLC (“Forza”). globenewswire.com - 2 months ago
American Coastal Insurance (ACIC) Lags Q4 Earnings Estimates American Coastal Insurance (ACIC) came out with quarterly earnings of $0.12 per share, missing the Zacks Consensus Estimate of $0.16 per share. This compares to earnings of $0.39 per share a year ago. zacks.com - 3 months ago
American Coastal Insurance Corporation (ACIC) Q4 2024 Earnings Conference Call Transcript American Coastal Insurance Corporation (NASDAQ:ACIC ) Q4 2024 Earnings Conference Call February 27, 2025 5:00 PM ET Company Participants Karin Daly - Investor Relations, Vice President, Bradford Martz - President Svetlana Castle - Chief Financial Officer Conference Call Participants Gregory Peters - Raymond James Bill Dezellem - Tieton Capital Operator Greetings, and welcome to the American Coastal Insurance Corporation Earnings Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 3 months ago
American Coastal Insurance Corporation Reports Financial Results for Its Fourth Quarter and Year Ended December 31, 2024 Company to Host Quarterly Conference Call at 5:00 P.M. ET on February 27, 2025 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website at investors.amcoastal.com/Presentations . globenewswire.com - 3 months ago
American Coastal Insurance Corporation Schedules Fourth Quarter and Full Year 2024 Financial Results and Conference Call ST. PETERSBURG, Fla., Feb. 13, 2025 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”), the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today that it expects to release its financial results for the fourth quarter and full year ended December 31, 2024, on Thursday, February 27, 2025, after the close of the market, and will conduct its quarterly conference call at 5:00 p.m. ET. globenewswire.com - 4 months ago
American Coastal Insurance Corporation: Safety And Sustainability Amid Market Volatility American Coastal Insurance Corporation has shown improved stability and growth through prudent risk diversification, reinsurance strategies, and solid underwriting policies despite the volatile P&C market. ACIC's operating revenue increased significantly, with net premiums earned as the primary component, while investment earnings also showed notable growth, enhancing overall financial stability. The company's liquidity remains strong, supported by adequate cash reserves and strategic investments in debt and equity securities, ensuring resilience against industry volatility. seekingalpha.com - 4 months ago
Best Value Stocks to Buy for December 31st ACIC, NWBI and NCLH made it to the Zacks Rank #1 (Strong Buy) value stocks list on December 31, 2024. zacks.com - 5 months ago
8. Profile Summary

American Coastal Insurance Corporation ACIC

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 530 M
Dividend Yield 4.32%
Description American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies 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, cyber security, and flood 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 headquartered in Saint Petersburg, Florida.
Contact 800 2nd Avenue S., Saint Petersburg, FL, 33701 https://www.amcoastal.com
IPO Date Nov. 7, 2007
Employees 65
Officers Mr. Antonio Gonzalez Senior Vice President of Sales & Agency Relations Ms. Brooke Eileen Adler General Counsel & Corporate Secretary Ms. Svetlana Castle CPA, J.D. Chief Financial Officer Mr. James Andrew Gray Jr., CPA Chief Compliance & Risk Officer Mr. Bennett Bradford Martz CPA President & Chief Executive Officer Mr. Christopher Lee Griffith Chief Operating Officer & Chief Information Officer Mr. Robert Daniel Peed Executive Chairman