AMERICAN COASTAL INSURANCE Corp · Property and casualty insurance

ACIC

Low riskNext report: Around Nov 4 (est.)

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The short version

A profitable company with steady sales. Institutions are trimming.

Going well

Raised its dividend (6.7% yield)
Profitable, keeps 32% of sales as profit
Sales up 13% last year

Money moves

No insider buying or selling in the last 30 days
Institutions cut 8.2% from their holdings in the quarter ending June 2026 (64 bought, 70 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$11.13+0.5% that day

Company value: $539M; Share price times all shares
Price vs profit (P/E): 5.5x; You pay about $6 for each $1 of yearly profit
Price vs sales: 1.6x; Company value is 1.6 times a year of sales
Dividend yield: 6.7%; Yearly dividend as a share of today's price
Cash vs value: 41%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 28%; Debt as a share of company value

From ACIC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$82.6M-4.5% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $330.6M, up 3.3% from the 12 months before. Over 5 years, sales shrank about 17% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of ACIC. Starting points are the company's recent numbers.

Sales growth+3% a yearRecently: +3.3% a yearProfit margin30%Last 12 months: 30.3%P/E at the end8xToday: 5.5x. Many steady companies trade at 12x to 25xShare count change+5% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$383M

Profit in 5 years$115M

Price these guesses point to$14.87+34% vs $11.13 todayAbout +6.0% a year, before dividends

What today's price needs: with a 30% margin and a 8x P/E, sales could shrink about 2.8% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.38.6%
PassDebt under half of equityNot relying on borrowed money.0.47x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.31.8%
MissProfitable every yearSteady profits, not one good year.6 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$70.9M
MissShare count not growingNot diluting owners. Falling means buybacks.+15.6% in 3 years

Revenue: $335.4M; +13.1% vs prior year
5-year growth: -16.9%/yr; revenue, per year
Total debt: $150.0M; 0.47x equity
Free cash flow: $70.9M; 21.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.