Earnings summaries and quarterly performance for AMERICAN COASTAL INSURANCE.
Executive leadership at AMERICAN COASTAL INSURANCE.
Board of directors at AMERICAN COASTAL INSURANCE.
AL
Alec L. Poitevint, II
Detailed
Lead Director
GC
Gregory C. Branch
Detailed
Chairman Emeritus
KG
Kent G. Whittemore
Detailed
Director
KM
Kern M. Davis, M.D.
Detailed
Director
MR
Michael R. Hogan
Detailed
Director
PF
Patrick F. Maroney
Detailed
Director
RD
R. Daniel Peed
Detailed
Executive Chairman of the Board
SW
Sherrill W. Hudson
Detailed
Director
WH
William H. Hood, III
Detailed
Director
Research analysts who have asked questions during AMERICAN COASTAL INSURANCE earnings calls.
CP
Charles Peters
Raymond James
3 questions for ACIC
Also covers: AFG, AJG, ALL +11 more
William Dezellem
Tieton Capital Management
3 questions for ACIC
Also covers: ADTN, BGSF, BMTX +16 more
Michael Phillips
Oppenheimer & Co. Inc.
2 questions for ACIC
Also covers: AII, CINF, HCI +10 more
Mitchell Rubin
Raymond James
2 questions for ACIC
Also covers: AII, EVER, RLI +1 more
AF
Akshay Fola
Private Investor
1 question for ACIC
Bill Dezellem
Tieton Capital Management
1 question for ACIC
Also covers: ADTN, AP, BGSF +14 more
CG
C. Gregory Peters
Raymond James
1 question for ACIC
Also covers: AFG, AII, AJG +21 more
Recent press releases and 8-K filings for ACIC.
American Coastal Insurance Reports Strong Q4 and Full-Year 2025 Results, Announces E&S Market Expansion
ACIC
Earnings
Guidance Update
New Projects/Investments
- American Coastal Insurance Corporation (ACIC) reported strong financial results for Q4 2025, with net income of $26.6 million, and full-year 2025 net income of $106.8 million, surpassing its guidance of $70 million-$90 million. The full-year combined ratio was 60.1%, with an underlying combined ratio of 61.5%, below its 65% target.
- The company's financial position strengthened significantly, with cash and investments growing 19.8% to $647.7 million and stockholders' equity increasing 34.8% to $317.6 million by year-end 2025, driving a 33.2% increase in book value per share to $6.51.
- ACIC is strategically expanding into the E&S market to diversify revenue and earnings, with plans for new pathways in South Carolina, Texas, and broader nationwide markets through its ACES entity (pending regulatory approval) and an expanded AmRisc partnership. Despite a 19% year-over-year decline in Q4 2025 premiums written due to falling rates, full-year net premiums earned of $306.8 million exceeded guidance.
- The company returned capital to shareholders with a special dividend of $0.75 per share in Q4 2025, totaling $36.6 million, and is considering share repurchases due to perceived undervaluation, while also planning to reduce its debt-to-capital ratio upon debt refinancing in 2027.
Feb 19, 2026, 10:00 PM
American Coastal Insurance Corp. Announces Strong Q4 and Full-Year 2025 Results
ACIC
Earnings
Dividends
Revenue Acceleration/Inflection
- American Coastal Insurance Corp. (ACIC) reported a Non-GAAP Core Income of $25.8 million or $0.52 per share for Q4 2025, marking a 330.0% increase year-over-year, and a Net income of $106.8 million for the full year 2025, up 41.1% from the prior year.
- Net premiums earned grew 7.9% to $79.3 million in Q4 2025, contributing to a Total Revenue of $335.4 million for FY 2025, a 13.1% increase year-over-year.
- The company's combined ratio significantly improved to 58.6% in Q4 2025 from 91.9% in Q4 2024, with the full-year 2025 combined ratio at 60.1%.
- Stockholders' equity increased to $317.6 million as of December 31, 2025, a 34.8% rise from the previous year, with book value per share reaching $6.51.
- ACIC declared a $0.75 special dividend in Q4 2025 and successfully renewed its reinsurance programs effective January 1, 2026, securing a risk-adjusted rate decrease.
Feb 19, 2026, 10:00 PM
American Coastal Insurance Reports Strong Q4 and Full Year 2025 Results, Exceeding Guidance
ACIC
Earnings
Guidance Update
New Projects/Investments
- American Coastal Insurance Corporation (ACIC) reported net income of $106.8 million for full year 2025, exceeding its guidance of $70 million-$90 million, and achieved a full-year combined ratio of 60.1%.
- The company's financial position improved significantly, with cash and investments growing 19.8% to $647.7 million and Book Value Per Share increasing 33.2% to $6.51 by year-end 2025.
- ACIC is expanding its business profile into the E&S market, with plans for new revenue and earnings growth pathways in South Carolina, Texas, and broader nationwide markets through ACES and an expanded AmRisc partnership.
- A special dividend of $0.75 per share was declared in Q4 2025, totaling $36.6 million, contributing to over $60 million returned to shareholders through special dividends over the last three years.
Feb 19, 2026, 10:00 PM
American Coastal Insurance Corporation Reports Strong Full Year 2025 Results and Strategic Expansion
ACIC
Earnings
Guidance Update
New Projects/Investments
- American Coastal Insurance Corporation reported full year 2025 net income of $106.8 million, exceeding its initial guidance of $70 million-$90 million, and achieved a full year combined ratio of 60.1% with an underlying combined ratio of 61.5%, which is below its 65% target.
- The company's financial position strengthened in 2025, with cash and investments growing 19.8% to $647.7 million and stockholders' equity increasing 34.8% to $317.6 million, resulting in a Book Value Per Share of $6.51.
- ACIC is expanding into the E&S market through new pathways, including the ACES entity (pending regulatory approval) and an expanded AmRisc partnership, with a modest line of approximately $100 million in full-year premiums expected from AmRisc. The company also noted its stock is significantly undervalued and considering share repurchases, though special dividends remain a priority.
Feb 19, 2026, 10:00 PM
American Coastal Insurance Corporation Reports Strong Q4 and Full-Year 2025 Financial Results
ACIC
Earnings
Dividends
Guidance Update
- Consolidated net income for the fourth quarter of 2025 increased to $26.6 million from $4.9 million in the prior year, with full-year 2025 net income reaching $106.8 million, up from $75.7 million in 2024.
- Diluted earnings per share for Q4 2025 were $0.53, compared to $0.10 in Q4 2024, and $2.15 for the full year 2025, up from $1.54 in 2024.
- Total revenue grew 13.1% year-over-year to $335.4 million for the full year ended December 31, 2025.
- The combined ratio significantly improved to 58.6% in Q4 2025 from 91.9% in Q4 2024, and for the full year 2025, it was 60.1%.
- Book value per share increased 33.2% to $6.51 at December 31, 2025, from $4.89 at December 31, 2024, and the company declared a $0.75 special dividend in 2025.
Feb 19, 2026, 9:01 PM
American Coastal Insurance Corporation Details Strategic Expansion and 2026 Financial Outlook
ACIC
New Projects/Investments
Guidance Update
Dividends
Jan 14, 2026, 4:00 PM
American Coastal Insurance Corporation Announces Strategic Expansion and 2026 Guidance
ACIC
New Projects/Investments
Guidance Update
Dividends
- American Coastal Insurance Corporation (ACIC) is expanding its partnership with AmRisc Group, providing a 6% participation in their nationwide Excess & Surplus (E&S) portfolio, which is expected to produce approximately $75 million of gross written premium for ACIC in 2026.
- ACIC is forming a new wholly-owned E&S carrier, ACES Specialty Insurance Company, which plans to launch with $30 million of policyholder surplus and will initially operate as a collateralized reinsurer.
- The company provided 2026 guidance, projecting earnings before income tax of $85 million-$100 million and total revenue of $335 million-$365 million.
- ACIC paid special cash dividends of $0.50 per share on January 10, 2025, and $0.75 per share on January 9, 2026, and the board authorized repurchasing up to $25 million of ACIC stock, though no buybacks have occurred to date.
Jan 14, 2026, 4:00 PM
American Coastal Insurance Corporation Announces Strategic Expansion and 2026 Guidance
ACIC
New Projects/Investments
Guidance Update
Dividends
- American Coastal Insurance Corporation (ACIC) is expanding its partnership with AmRisc Group, taking a 6% participation in their nationwide E&S portfolio, which is expected to generate approximately $75 million of gross written premium for ACIC in 2026.
- ACIC is forming a new wholly owned E&S carrier, ACES Specialty Insurance Company, which is anticipated to be operational in 2026 with an initial $30 million of policyholder surplus.
- The company provided 2026 guidance, expecting earnings before income tax to be between $85 million and $100 million and total revenue between $335 million and $365 million.
- ACIC paid special cash dividends of $0.50 per share on January 10th, 2025, and $0.75 per share on January 9th, 2026.
Jan 14, 2026, 4:00 PM
American Coastal Insurance Corporation Provides FY 2026 Guidance and Details Strategic Growth Initiatives
ACIC
Guidance Update
New Projects/Investments
Dividends
- American Coastal Insurance Corporation (ACIC) provided FY 2026 guidance, projecting Earnings Before Income Tax between $85 million and $100 million and Total Revenue between $335 million and $365 million.
- The company is undertaking new strategic initiatives, including an expanded partnership with AmRisc to assume a 6% share of its nationwide E&S commercial property portfolio (projected $75 million in E&S Gross Premium Written for 2026) and the formation of ACES Specialty Insurance Company (ACES), capitalized by a $30 million cash contribution from ACIC, expected to be operational in 2026.
- ACIC paid special cash dividends of $0.50 per share on January 10, 2025, and $0.75 per share on January 9, 2026.
- ACIC's subsidiary, AmCoastal, holds the #1 market share in commercial residential property insurance in Florida with approximately 4,300 policies and $637 million of premium in-force as of September 30, 2025.
Jan 14, 2026, 2:29 PM
American Coastal Insurance Corporation renews catastrophe excess of loss agreements
ACIC
New Projects/Investments
- American Coastal Insurance Corporation (ACIC) renewed its all other perils catastrophe excess of loss (AOP CAT) agreement, effective January 1, 2026. This agreement provides up to $95.6 million of occurrence limit excess of a $10.0 million attachment point, with an approximate cost of $11.4 million.
- ACIC also renewed its catastrophe aggregate excess of loss (CAT Agg) agreement, effective January 1, 2026. This agreement provides a $40 million aggregate limit (with a $20 million per occurrence cap) after a $40 million annual aggregate deductible, at an approximate cost of $4.9 million.
Jan 7, 2026, 9:02 PM
Quarterly earnings call transcripts for AMERICAN COASTAL INSURANCE.
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