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AMERICAN COASTAL INSURANCE Corp
AMERICAN COASTAL INSURANCE Corp (ACIC) is listed on NASDAQ and classified in Insurance - Property & Casualty, part of the Financial Services sector. It is headquartered in Saint Petersburg, United States and has 68 employees. The company is worth $524.69M and trades at 5.5x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $335.44M in fiscal 2025, up 13.1% from the year before. Net income was $106.84M. The share price is 15.0% below its 52-week high of $13.06. It pays a dividend yielding 6.76%. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Two Sigma (Two Sigma Investments), at $6.57M. In that quarter, 1 of them reduced the position. Over the last 30 days, company insiders sold $192.04K of its stock on the open market and bought none.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +168.8% over 5Y.
today you would have $3,308.69▲ +230.9%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $12.63 | $13.46 | $9.46 | $1.06 | $4.34 | $5.72 | $12.61 | $16.62 | $17.25 | $15.14 | $17.10 | $21.95 | $14.08 | $6.01 | $4.40 | $3.10 | $3.80 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 0.0% a year plus a 6.8% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 10.0 across this company’s own years on record.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Sector median of 12.4x operating profit, less net debt. Banks have no EBITDA.
Dividend growing 7.5% a year against a 9.0% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| NRIMNorthrim Bancorp Inc | $23.55 | 9.5x | 1.5x | 2.76% | 16.63% | $523.86M |
| BSRRSierra Bancorp | $40.41 | 11.7x | 1.4x | 2.67% | 12.46% | $523.85M |
| AEXAAmerican Exceptionalism Acquisition Corp. A | $10.64 | — | — | 0.00% | — | $526.26M |
| WTBAWest Bancorporation Inc |
| 10.0x |
| 5.9x |
| 8.7x |
| 1.4x |
| — |
| — |
| — |
| — |
| 1662.0x |
| 63.9x |
| 58.2x |
| 13.4x |
| 10.7x |
| 11.2x |
| 6.6x |
| 5.7x |
| — |
| 10.0x |
| P/S | 0.8x | 1.8x | 2.2x | 1.7x | 0.2x | 0.8x | 0.3x | 0.7x | 1.0x | 1.1x | 0.7x | 1.0x | 1.7x | 1.1x | 0.7x | 0.5x | 0.4x | 0.5x |
| P/B | 1.4x | 1.9x | 2.8x | 2.7x | — | 0.6x | 0.6x | 1.1x | 1.4x | 1.4x | 1.4x | 1.5x | 2.3x | 2.1x | 1.1x | 0.8x | 0.7x | 0.8x |
| EPS | $2.15 | $1.54 | $6.98 | -$10.91 | -$1.35 | -$2.25 | -$0.70 | $0.01 | $0.27 | $0.26 | $1.28 | $2.05 | $1.26 | $0.91 | $0.77 | -$0.09 | $0.38 |
| Dividend yield | 1.52% | 3.96% | — | — | 5.66% | 5.53% | 4.20% | 1.90% | 1.44% | 1.39% | 1.52% | 1.17% | 0.73% | 0.85% | 1.33% | 1.14% | 1.61% | 3.95% |
| Payout | 19.44% | 23.26% | — | — | — | — | — | — | 2400.00% | 88.89% | 88.46% | 15.63% | 7.80% | 9.52% | 8.79% | 6.49% | — | 39.47% |
| Profit margin | 4.59% | 31.85% | 25.52% | 117.21% | -211.96% | -25.33% | -11.39% | -3.62% | 0.04% | 1.55% | 1.17% | 7.65% | 14.64% | 9.78% | 7.40% | 8.39% | -1.16% | 4.59% |
| ROE | 9.73% | 33.64% | 32.13% | 183.63% | — | -18.54% | -24.37% | -5.94% | 0.06% | 1.89% | 2.36% | 11.44% | 20.13% | 18.91% | 11.03% | 14.71% | -2.04% | 8.44% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
7 methods answered, across 4 families.
Room for errors in the reported numbers.
+165.8% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $30.30 |
| 13.5x |
| 1.8x |
| 3.43% |
| 14.71% |
| $516.43M |
| FWDIForward Industries, Inc. | $6.99 | — | 1.1x | 0.00% | -461.37% | $533.25M |
| BWFGBankwell Financial Group, Inc. | $67.03 | 12.5x | 1.6x | 1.19% | 14.13% | $534.36M |