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Company Analysis

American Coastal Insurance Corp ACIC

A comprehensive view of key metrics, scores, and financial health for American Coastal Insurance Corp

Overview of American Coastal Insurance Corporation

ACIC NCM
Financial Services Insurance - Property & Casualty Small Cap
American Coastal Insurance Corporation (ACIC), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $11.31, about 40.0% overvalued vs fair value, -7.7% 1Y return, placing in the top 25% of its sector.
$11.31
0.09%
As of March 13, 2026
Previous close • Vol 90d: 30.0%
52-Week Range
Market Cap
$551.54M
Enterprise Value
$414.30M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.amcoastal.com
HQ Saint Petersburg, FL
Employees 68
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $11.31 -40% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$10.8M
Net Interest Income
$-12.0M
-10.3%%
Total Revenue
$335.4M
13.2%%
Fee/Non-Interest Income
$347.4M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
32.1%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$25.5M
33.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating American Coastal Insurance Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACIC's balance between Growth (27.0%), Profitability (43.4%), and Safety (29.6%). Growth 27% Safety 30% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

56th percentile vs peers
57
Key Signals
Rev Growth YoY 13.2% 73p Revenue CAGR 3Y 15.0% 66p TSR 1.67 91p EPS Growth YoY -78.0% 2p
Strengths
  • D/E Ratio in top 20% of peers (49.0%, 91th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Tsr in top 20% of peers (1.67, 91th percentile)
Risks
  • Eps Growth Yoy in bottom 20% of peers (-78.0%)

Profitability

91th percentile vs peers
91
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for American Coastal Insurance Corp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.79
- - -
-40.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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