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 +15 more
Bill Dezellem
Tieton Capital Management
1 question for ACIC
Also covers: ADTN, AP, BGSF +12 more
CG
C. Gregory Peters
Raymond James
1 question for ACIC
Also covers: AFG, AJG, ALL +19 more
Recent press releases and 8-K filings for ACIC.
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
American Coastal Insurance Corporation Discusses Financial Performance and Growth Strategy
ACIC
Dividends
New Projects/Investments
Revenue Acceleration/Inflection
- American Coastal Insurance Corporation (ACIC) reported strong financial results year-to-date September 2025, with $228 million in net premium earned, a 15% growth in net premium, and a 37.9% core return on equity. The company's book value per share was $671, and total cash and cash equivalents grew to $270 million from $137 million as of December 31, 2024.
- The company is focused on growth by introducing new products and expanding commercial property insurance outside of Florida. In 2025, ACIC launched new products through its own MGA, Skyway, including apartments, assisted living, and independent living facilities, which share similar risk characteristics with their existing condo business.
- ACIC maintains a robust reinsurance program to manage risk, with a catastrophe retention of $30 million on the first event and $19 million on the second, and total overall coverage of $1.3 billion. An aggregate CAT reinsurance program was also introduced in 2025 for protection against aggregate catastrophe events in excess of $40 million.
- For capital allocation, ACIC plans for a long-term leverage ratio of less than 25%. The company declared special dividends of $0.75 per share for 2025, payable January 9, 2026, an increase from $0.50 per share in 2024, and is considering share buybacks.
Dec 10, 2025, 6:45 PM
American Coastal Insurance Corporation Discusses Strategic Transformation, Growth, and Financial Performance
ACIC
Product Launch
New Projects/Investments
Dividends
- American Coastal Insurance Corporation (ACIC) has completed a strategic transformation, exiting personal lines by early 2023 to focus 100% on commercial residential insurance in Florida, achieving an underwriting profit every year since its 2007 inception.
- As of September 2025, ACIC reported strong financial performance with net premium earned of $228 million, a 15% increase year-over-year, a core return on equity of 37.9%, and a book value per share of $671.
- The company is pursuing growth through its new MGA, Skyway, launching new products like apartments and assisted living facilities in 2025, with plans for further expansion into other products and geographies.
- ACIC utilizes a robust reinsurance program, including $1.3 billion in catastrophe reinsurance and a new aggregate CAT program for 2025, to manage risk and ensure predictable earnings.
- The capital allocation strategy emphasizes special dividends, with a declared dividend of $0.75 per share payable January 9, 2026, and a long-term leverage ratio target of less than 25%.
Dec 10, 2025, 6:45 PM
American Coastal Insurance Corporation Outlines Strategic Growth and Financial Performance
ACIC
Product Launch
Dividends
New Projects/Investments
- American Coastal Insurance Corporation (ACIC) has completed a strategic transformation, divesting all personal lines exposures by early 2023 to focus exclusively on the profitable Florida commercial residential property insurance market.
- The company is pursuing growth through its internal MGA, Skyway, by launching new products such as apartments and assisted living facilities, and plans to expand commercial property insurance beyond Florida.
- As of September 2025, ACIC reported year-to-date gross premium earned of just under $500 million and net premium earned of $228 million, with a strong core return on equity of 37.9% and a book value per share of $671.
- ACIC emphasizes a capital-light model with robust reinsurance, including a $1.3 billion catastrophe reinsurance program, and declared a special dividend of $0.75 per share for 2024, payable January 9, 2026, an increase from $0.50 per share in 2024.
Dec 10, 2025, 6:45 PM
American Coastal Insurance Corporation Declares Special Cash Dividend
ACIC
Dividends
- American Coastal Insurance Corporation (ACIC) announced a special cash dividend of $0.75 per share of common stock.
- The dividend is payable on January 9, 2026, to shareholders of record as of January 2, 2026.
Dec 1, 2025, 9:19 PM
ACIC Reports Strong Q3 2025 Financial Results and Launches New Product
ACIC
Earnings
Product Launch
Guidance Update
- ACIC reported Non-GAAP Core Income of $30.5 million ($0.61 per share) for Q3 2025, an increase of 13.1% year-over-year, surpassing analyst estimates.
- Net premiums earned grew by 8.5% to $80.8 million in Q3 2025, contributing to a combined ratio of 56.9%, which was below the 65.0% target.
- Stockholders' equity increased to $327.2 million and Book Value per Share reached $6.71 as of September 30, 2025, both exceeding analyst estimates.
- Skyway Underwriters, an ACIC affiliate, launched a new product in Florida targeting assisted and independent living facilities.
- The company expects to resume growth in Q4 2025 and into 2026, anticipating lower reinsurance costs.
Nov 5, 2025, 10:00 PM
Quarterly earnings call transcripts for AMERICAN COASTAL INSURANCE.
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