AMERICAN COASTAL INSURANCE Corp

ACIC · Fire, Marine & Casualty Insurance · 48.5M shares · +1%/yr ↑ dilution · EDGAR filings ↗

Net buyback after stock comp: -$887K (gross $431K, SBC $1M)

Reference price $11.05 · est. market cap ~$536M — last insider purchase, 2026-03-20 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B74

American Coastal Insurance — Florida commercial-property insurer with high returns.

Strengths

Operating margin 42% (100th pct), ROE 33.6% (94th), ROA (98th)

Risks

Extreme Florida commercial-property catastrophe concentration
Reinsurance-dependence and reserve risk

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Strong balance sheetStrong balance sheet — $199M cash & investments
Insider buyingInsider buying — 9 open-market buy(s) by 2 insider(s) (cluster of 2 insiders, last 6mo) Form 4 ↗
Revenue declineRevenue -17.5% YoY

Quarterly revenue

2025-06-30 · $86M2025-09-30 · $90M2025-12-31 · $86M2026-03-31 · $71M

Last 4 quarters · from SEC filings.

Key metrics

Operating margin

41.8%

Net margin

31.8%

Return on equity

33.6%

Return on assets

10.0%

ROIC

23.7%

Revenue growth (QoQ)

-17.5%

Net-income growth

41.1%

Debt / equity

0.5×

Net debt / EBITDA

-0.3×

Interest coverage

13.0×

Free cash flow

$71M

EBITDA

$144M

Tangible book value

$255M

Cash & investments

$199M

Stock comp / revenue

1.3%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-05-26	HOOD III WILLIAM H.	Grant	5.0K	—
2026-05-26	DAVIS KERN MICHAEL	Grant	5.0K	—
2026-05-26	Brown Deirdre A	Grant	5.0K	—
2026-05-26	Maroney Patrick	Grant	5.0K	—
2026-05-26	Branch Gregory C	Grant	5.0K	—
2026-05-26	Peed Daniel	Grant	5.0K	—
2026-05-26	Whittemore Kent G	Grant	5.0K	—
2026-05-26	Hogan Michael	Grant	5.0K	—
2026-05-26	POITEVINT ALEC II	Grant	5.0K	—
2026-05-07	Gray James Andy	Option exercise	8.8K	—
2026-05-07	Gray James Andy	Tax withheld	3.0K	$10.85
2026-05-07	Castle Svetlana	Option exercise	8.8K	—
2026-05-07	Castle Svetlana	Tax withheld	3.5K	$10.85
2026-05-07	Adler Brooke	Option exercise	11K	—
2026-05-07	Adler Brooke	Tax withheld	2.7K	$10.85
2026-05-07	Griffith Christopher	Option exercise	13K	—
2026-05-07	Griffith Christopher	Tax withheld	4.8K	$10.85
2026-05-07	MARTZ BRAD	Option exercise	32K	—
2026-05-07	MARTZ BRAD	Tax withheld	13K	$10.85
2026-05-04	MARTZ BRAD	Tax withheld	23K	$11.65
2026-05-04	Adler Brooke	Option exercise	24K	—
2026-05-04	Adler Brooke	Tax withheld	5.9K	$11.65
2026-05-04	Griffith Christopher	Option exercise	31K	—
2026-05-04	Griffith Christopher	Tax withheld	11K	$11.65
2026-05-04	MARTZ BRAD	Option exercise	56K	—
2026-04-03	Gray James Andy	Tax withheld	3.7K	$10.97
2026-04-03	Gray James Andy	Option exercise	9.8K	—
2026-04-03	Castle Svetlana	Option exercise	9.8K	—
2026-04-03	Castle Svetlana	Tax withheld	3.9K	$10.97
2026-04-03	Adler Brooke	Option exercise	13K	—
2026-04-03	Adler Brooke	Tax withheld	3.7K	$10.97
2026-04-03	Griffith Christopher	Option exercise	14K	—
2026-04-03	Griffith Christopher	Tax withheld	4.2K	$10.97
2026-04-03	MARTZ BRAD	Option exercise	26K	—
2026-04-03	MARTZ BRAD	Tax withheld	10K	$10.97
2026-03-20	DAVIS KERN MICHAEL	Buy	100	$11.05
2026-03-20	DAVIS KERN MICHAEL	Buy	100	$11.05
2026-03-19	DAVIS KERN MICHAEL	Buy	200	$11.12
2026-03-19	DAVIS KERN MICHAEL	Buy	200	$11.12
2026-03-18	DAVIS KERN MICHAEL	Buy	200	$11.25
2026-03-18	DAVIS KERN MICHAEL	Buy	200	$11.23
2026-03-04	DAVIS KERN MICHAEL	Buy	700	$11.71
2026-03-04	DAVIS KERN MICHAEL	Buy	700	$11.71
2026-02-23	Crawford Troy J	Buy	3.2K	$11.09
2025-12-31	Adler Brooke	Gift	17K	—
2025-11-10	Griffith Christopher	Sell	18K	$11.86
2025-06-26	DAVIS KERN MICHAEL	Buy	300	$10.47
2025-06-26	DAVIS KERN MICHAEL	Buy	700	$10.45
2025-06-05	Griffith Christopher	Option exercise	10K	$6.16
2025-06-05	Griffith Christopher	Sell	45K	$11.01
2025-06-05	Griffith Christopher	Option exercise	48K	$1.70
2025-06-05	Griffith Christopher	Sell	48K	$10.99
2025-06-05	Griffith Christopher	Option exercise	7.0K	$8.77
2025-06-05	Griffith Christopher	Option exercise	45K	$3.46
2025-06-05	Griffith Christopher	Sell	62K	$10.99
2025-06-05	Griffith Christopher	Sell	8.5K	$10.98
2025-06-05	Griffith Christopher	Sell	13K	$10.99
2025-06-03	Griffith Christopher	Sell	10K	$11.78
2025-05-27	MARTZ BRAD	Tax withheld	45K	$10.82
2025-05-27	Adler Brooke	Option exercise	38K	—
2025-05-27	MARTZ BRAD	Option exercise	92K	—
2025-05-27	Griffith Christopher	Option exercise	51K	—
2025-05-27	Griffith Christopher	Tax withheld	15K	$10.82
2025-05-27	Adler Brooke	Tax withheld	12K	$10.82
2025-05-19	Peed Daniel	Grant	5.0K	—
2025-05-19	Branch Gregory C	Grant	5.0K	—
2025-05-19	Whittemore Kent G	Grant	5.0K	—
2025-05-19	HOOD III WILLIAM H.	Grant	5.0K	—
2025-05-19	Hogan Michael	Grant	5.0K	—
2025-05-19	Maroney Patrick	Grant	5.0K	—
2025-05-19	HUDSON SHERRILL W	Grant	5.0K	—
2025-05-19	DAVIS KERN MICHAEL	Grant	5.0K	—
2025-05-19	POITEVINT ALEC II	Grant	5.0K	—
2025-05-15	HUDSON SHERRILL W	Buy	10K	$11.00
2025-05-14	Gray James Andy	Tax withheld	15K	$10.93
2025-05-14	Gray James Andy	Option exercise	30K	$3.46
2025-05-04	MARTZ BRAD	Tax withheld	26K	$11.69
2025-05-04	Adler Brooke	Option exercise	22K	—
2025-05-04	Adler Brooke	Tax withheld	6.7K	$11.69
2025-05-04	Griffith Christopher	Option exercise	29K	—
2025-05-04	MARTZ BRAD	Option exercise	53K	—
2025-04-03	MARTZ BRAD	Option exercise	24K	—
2025-04-03	MARTZ BRAD	Tax withheld	12K	$11.08
2025-04-03	Adler Brooke	Option exercise	12K	—
2025-04-03	Adler Brooke	Tax withheld	3.6K	$11.08
2025-04-03	Griffith Christopher	Option exercise	13K	—
2025-04-03	Griffith Christopher	Tax withheld	4.1K	$11.08
2025-04-03	Gray James Andy	Option exercise	9.2K	—
2025-04-03	Gray James Andy	Tax withheld	3.6K	$11.08
2025-04-03	Castle Svetlana	Option exercise	9.2K	—
2025-04-03	Castle Svetlana	Tax withheld	4.0K	$11.08
2025-03-14	MARTZ BRAD	Option exercise	50K	$1.70
2025-03-14	MARTZ BRAD	Sell	50K	$12.05
2025-03-10	Griffith Christopher	Option exercise	9.8K	$4.33
2025-03-10	Griffith Christopher	Sell	9.8K	$11.83
2025-03-10	Griffith Christopher	Sell	10K	$11.82
2025-03-03	Griffith Christopher	Option exercise	7.0K	$8.77
2025-03-03	Griffith Christopher	Option exercise	10K	$3.46
2025-03-03	Griffith Christopher	Option exercise	13K	$1.70
2025-03-03	Griffith Christopher	Option exercise	10K	$6.16
2025-03-03	Griffith Christopher	Sell	40K	$11.94
2025-01-31	DAVIS KERN MICHAEL	Other	3.3K	—
2025-01-31	DAVIS KERN MICHAEL	Other	3.3K	—
2025-01-27	Whittemore Kent G	Other	1.0K	—

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-05-29	Shareholder vote	filing ↗
2026-05-15	Other	filing ↗
2026-05-05	ResultsReg FDExhibits	filing ↗
2026-02-20	Exec/director changeExhibits	filing ↗
2026-02-19	ResultsReg FDExhibits	filing ↗
2026-01-14	Reg FDExhibits	filing ↗
2026-01-07	Other	filing ↗
2025-12-01	Reg FDExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-05-29	2026-05-29	0001401521-26-000033 ↗
8-K	2026-05-15	2026-05-15	0001401521-26-000031 ↗
10-Q	2026-05-08	2026-03-31	0001401521-26-000029 ↗
8-K	2026-05-05	2026-05-05	0001401521-26-000027 ↗
10-K	2026-03-09	2025-12-31	0001401521-26-000015 ↗
8-K	2026-02-20	2026-02-17	0001401521-26-000013 ↗
8-K	2026-02-19	2026-02-19	0001401521-26-000008 ↗
8-K	2026-01-14	2026-01-14	0001401521-26-000005 ↗
8-K	2026-01-07	2026-01-07	0001401521-26-000003 ↗
8-K	2025-12-01	2025-12-01	0001401521-25-000135 ↗
10-Q	2025-11-06	2025-09-30	0001401521-25-000133 ↗
8-K	2025-11-05	2025-11-05	0001401521-25-000130 ↗