ACIC is the ticker symbol for AMERICAN COASTAL INSURANCE Corp, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks ACIC with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is ACIC a good stock to buy?

13F Pro's AI ranking engine scores ACIC at 61.9/100, ranked #746 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for ACIC is available at https://13fpro.ai/company/ACIC. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source ACIC data?

All AMERICAN COASTAL INSURANCE Corp fundamentals and ownership data come directly from SEC EDGAR. AMERICAN COASTAL INSURANCE Corp files with the SEC under CIK 1401521. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

AMERICAN COASTAL INSURANCE Corp ACIC

NasdaqSmall CapFinancials

13F Pro quality score

Rank #746 of 2,925TOP 50%

Why it scores 62 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$82.60M

Quarter to Jun 30

Net income

$21.90M

Quarter to Jun 30

Free cash flow

$58.26M

Quarter to Jun 30

Operating margin

34.4%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$175.47M total

BlackRock, Inc.

$25.31M+24.7%

Tieton Capital Management, LLC

$13.93M-1.5%

VANGUARD CAPITAL MANAGEMENT LLC

$11.05M-0.1%

DIMENSIONAL FUND ADVISORS LP

$9.92M+19.2%

AMERICAN CENTURY COMPANIES INC

$9.42M+17.9%

PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.

$8.98M0.0%

GEODE CAPITAL MANAGEMENT, LLC

$7.52M+9.9%

TWO SIGMA INVESTMENTS, LP

$6.57M+4.7%

RENAISSANCE TECHNOLOGIES LLC

$6.02M+0.6%

STATE STREET CORP

$5.66M+0.8%

ARROWSTREET CAPITAL, LIMITED PARTNERSHIP

$5.06M+43.3%

BRIDGEWAY CAPITAL MANAGEMENT, LLC

$3.37M+5.5%

SEI INVESTMENTS CO

$3.21M-52.0%

Empowered Funds, LLC

$2.99M-12.7%

AQR CAPITAL MANAGEMENT LLC

$2.80M+16.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

$2.66M-11.9%

Empyrean Capital Partners, LP

$2.56M-79.5%

NORTHERN TRUST CORP

$2.22M+3.2%

Crews Bank & Trust

$2.10M0.0%

GOLDMAN SACHS GROUP INC

$2.08M+9.3%

TUDOR INVESTMENT CORP ET AL

$2.07M-13.8%

VANGUARD FIDUCIARY TRUST CO

$1.81M+0.4%

WESTWOOD HOLDINGS GROUP INC

$1.65M0.0%

Kennondale Capital Management LLC

$1.63M0.0%

MERCER GLOBAL ADVISORS INC /ADV

$1.49M+21.7%

See all 136 institutional holders →

What's Driving ACIC's Business? Latest 10-Q Breakdown

32/32 datapoints verified

AI-extracted from the 10-Q filed 2026-08-06 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

ACIC net income declined 17.2% to $21.9M in Q2 2026 as net premiums earned fell 11.1% and loss ratio widened amid soft Florida market pricing.

Biggest Revenue Drivers

Net premiums earned$69.7M-11.1% YoY

24% decrease in net pricing as market continued to soften; policies in-force increased only 1.2% year-to-date.

Net investment income$5.4M-6.7% YoY

Fixed maturity income declined from $2.7M to $2.4M.

Biggest Revenue Drivers

Total revenue: $82.6M-4.5% YoY

Net premiums earned$69.7M-11.1% YoY

24% decrease in net pricing as market continued to soften; policies in-force increased only 1.2% year-to-date.

Net investment income$5.4M-6.7% YoY

Fixed maturity income declined from $2.7M to $2.4M.

Net realized and unrealized investment gains$7.5MN/A

Net realized gains of $3.3M and unrealized gains on equity securities of $4.2M recorded.

Largest Expense Items

Losses and loss adjustment expenses$18.8M+21.2% YoY

Net loss ratio increased to 27.0% from 19.8%; includes $3.1M current year catastrophe losses and $0.8M unfavorable prior year development.

Policy acquisition costs$22.7M-6.4% YoY

External management fees decreased $5.1M due to lower gross premiums; offset partly by reduced ceding commission income of $2.3M from 20% to 15% quota share rate reduction.

General and administrative expenses$10.3M+32.0% YoY

Salary-related expenses increased $3.2M; prior year included non-recurring $2.9M employee retention tax credit refund.

Interest expense$2.3M-13.8% YoY

Senior notes interest rate decreased from 7.25% to 6.25% effective December 2025 due to debt rating upgrade from BB+ to BBB-.

Margins: Combined ratio widened to 74.3% from 60.6% YoY; underlying combined ratio (excluding catastrophes and reserve development) at 68.7% versus 62.2% reflects underwriting pressure. Gross margin compression driven by pricing headwinds in competitive Florida market.

Watch Items from the Filing

Gross written premiums declined 5.3% QoQ and 14.2% YTD to $365.7M as net pricing fell 24%; market softening and reduced quota share reinsurance (20% to 15%) compress margins.
Net loss ratio deteriorated to 27.0% in Q2 2026 from 19.8% YoY; underlying loss ratio of 21.5% remains elevated despite favorable prior-year reserve development.
Senior notes of $150M mature December 15, 2027; rating upgrade in December 2025 to BBB- (from BB+) and July 2026 upgrade to BBB by KROLL support refinancing prospects.
Catastrophe reinsurance retention increased effective August 1, 2026, with first event retention reduced from $49M to $23.5M; improved AmCoastal financial strength rating to A (from A-) by KROLL in July 2026.
Director and officer insurance claim from Florida DFS for $40M policy limit (Company retention $1.5M) significantly diminished by June 25, 2026 OIR determination that UPC former directors were not substantial cause of insolvency.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

13fpro.ai/company/ACIC

Earnings Per Share

13fpro.ai/company/ACIC

Loading ratio trend…

AMERICAN COASTAL INSURANCE Corp reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$335.4M	$106.8M	41.8%
FY 2024	10-K	$296.7M	$75.7M	33.6%
FY 2023	10-K	$264.4M	$309.9M	35.5%
FY 2022	10-K	$221.7M	$-469.9M	-3.9%
FY 2021	10-K	$228.7M	$-57.9M	-4.6%
FY 2020	10-K	$846.7M	$-96.5M	-15.6%

About AMERICAN COASTAL INSURANCE Corp (ACIC): stock profile, AI score and financials

AMERICAN COASTAL INSURANCE Corp (ACIC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores ACIC at 61.9/100 on a composite quality score built from its SEC filings, placing it at rank #746 of 2,925 stocks — the top half of the AI-ranked universe. ACIC scores in the top quartile across profitability (92.1), balance sheet strength (79.6). Areas of concern include institutional flow (7.6) and earnings quality (9.8), which score below median versus the broader universe. Shareholder dilution risk is elevated at 49.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), AMERICAN COASTAL INSURANCE Corp reports quarterly revenue of $82.6M, net income of $21.9M, an operating margin of 34.4%. Top institutional holders of ACIC by reported 13-F value include BlackRock, Tieton Capital Management, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. ACIC trades on the Nasdaq exchange and files with the SEC under CIK 1401521. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ACIC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AMERICAN COASTAL INSURANCE Corp directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 1401521 →

AMERICAN COASTAL INSURANCE Corp ACIC

Top Institutional Holders

What's Driving ACIC's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACIC key financials by period

ACIC insiders

About AMERICAN COASTAL INSURANCE Corp (ACIC): stock profile, AI score and financials

AMERICAN COASTAL INSURANCE Corp ACIC

Top Institutional Holders

What's Driving ACIC's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACIC key financials by period

Companies similar to ACIC

ACIC insiders

About AMERICAN COASTAL INSURANCE Corp (ACIC): stock profile, AI score and financials