ACIC
American Coastal Insurance Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Sell
-23/100
Last price
9.46
▲ 0.04 (0.42%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
9.42
Prev close
9.42
Day high
9.47
Day low
9.41
Volume
29.42K
Market cap
$447.17M
P/E (TTM)
4.71
52W range
9.01 – 13.06
Day trading desk
Gap from prior close
0.00%
Prior close 9.42
VWAP
9.44
+0.21% from price
Relative volume
0.10×
Quiet session
Session range
0.69%
9.40 – 9.47
Position in range
85%
Near session high
ATR (14D)
0.19
2.06% of price
Prior day high
9.44
PDH
Prior day low
9.25
PDL
Bid / ask spread
—
Quote not published
Session volume
26.12K
Avg 265.58K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+4.65%
+3.1%
1M
+1.61%
+0.5%
3M
-15.38%
-18.4%
6M
-17.60%
-32.1%
YTD
-25.10%
-38.6%
1Y
-20.17%
-35.4%
3Y
+31.94%
-49.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ACIC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+217.86K
Net buying
Buy transactions
19
259.54K shares
Sell transactions
1
41.67K shares
Net transactions
+20
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
23.63M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 22, 26 | MARTZ BRAD Chief Executive Officer |
BUY | 10.00K | $91.50K | Indirect |
| Aug 17, 26 | GRIFFITH CHRISTOPHER Chief Operating Officer |
SELL | 41.67K | $391.91K | Direct |
| Aug 17, 26 | GRIFFITH CHRISTOPHER Chief Operating Officer |
CONVERSION | 19.67K | $85.18K | Direct |
| May 26, 26 | POITEVINT ALEC L II Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | BRANCH GREGORY C Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | HOGAN MICHAEL Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | WHITTEMORE KENT G Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | BROWN DEIRDRE A Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | DAVIS KERN MICHAEL Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | HOOD WILLIAM H III Director |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | PEED ROBERT DANIEL Director and Beneficial Owner of more than 10% of a Class of Security |
STOCK | 5.00K | $0 | Direct |
| May 26, 26 | MARONEY PATRICK F. Director |
STOCK | 5.00K | $0 | Direct |
| May 7, 26 | MARTZ BRAD Chief Executive Officer |
— | 32.09K | — | Direct |
| May 7, 26 | GRIFFITH CHRISTOPHER Chief Operating Officer |
— | 12.84K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRANCH GREGORY C |
Director | 2.30M | Stock Award(Grant) |
DAVIS KERN MICHAEL |
Director | 313.82K | Stock Award(Grant) |
GRAY JAMES ANDY |
Officer | 207.50K | Conversion of Exercise of derivative security |
HOGAN MICHAEL |
Director | 366.75K | Stock Award(Grant) |
HOOD WILLIAM H III |
Director | 988.60K | Stock Award(Grant) |
HUDSON SHERRILL W |
Director | 203.40K | Stock Award(Grant) |
MARTZ BRAD |
Chief Executive Officer | — | Purchase |
PEED ROBERT DANIEL |
Director and Beneficial Owner of more than 10% of a Class of Security | 13.86M | Stock Award(Grant) |
POITEVINT ALEC L II |
Director | 1.56M | Stock Award(Grant) |
WHITTEMORE KENT G |
Director | 393.88K | Stock Award(Grant) |
Fundamentals
Market cap$447.17M
Enterprise value$356.51M
Revenue (TTM)$330.59M
Gross profit$187.19M
EBITDA$147.44M
Net income$100.20M
EPS (TTM)$2.01
Free cash flow$-50.29M
Total cash$235.62M
Total debt$152.54M
Book value / share$7.30
Shares outstanding47.27M
Float22.76M
Short % of float7.84%
Dividend yield0.00%
Beta (5Y)-0.53
Valuation & profitability ratios
Trailing P/E4.71
Forward P/E7.39
PEG ratio3.06
Price / sales—
Price / book1.30
EV / revenue1.08
EV / EBITDA2.42
Gross margin56.62%
Operating margin37.28%
Profit margin30.31%
Return on equity31.65%
Return on assets6.90%
Debt / equity44.76
Current ratio1.08
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $335.00M | $296.44M | $263.68M | $220.78M | +13.0% |
| Operating revenue | $335.00M | $296.44M | $263.68M | $220.78M | +13.0% |
| Selling, general & admin | $23.62M | $31.37M | $27.57M | $32.00M | -24.7% |
| Net interest income | -$10.81M | -$12.00M | -$10.88M | -$9.48M | +9.8% |
| Pre-tax income | $142.73M | $101.66M | $96.08M | $1.68M | +40.4% |
| Tax provision | $35.94M | $25.34M | $10.88M | $26.23M | +41.8% |
| Net income | $106.84M | $75.72M | $309.91M | -$469.86M | +41.1% |
| Net income to common | $106.84M | $75.72M | $309.91M | -$469.86M | +41.1% |
| Basic EPS | 2.20 | 1.59 | 7.11 | -10.91 | +38.4% |
| Diluted EPS | 2.15 | 1.54 | 6.98 | -10.91 | +39.6% |
| EBIT | $153.55M | $113.66M | $106.95M | $11.16M | +35.1% |
| Basic shares | 48.48M | 47.83M | 43.60M | 43.05M | +1.3% |
| Diluted shares | 49.78M | 49.36M | 44.39M | 43.05M | +0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $198.76M | $137.04M | $138.93M | $70.90M | +45.0% |
| Cash & short-term investments | $311.81M | $418.04M | $277.32M | $275.58M | -25.4% |
| Accounts receivable | $198.65M | $309.98M | $386.74M | $835.85M | -35.9% |
| Property, plant & equipment | $723.00K | $5.74M | $3.66M | $5.29M | -87.4% |
| Goodwill & intangibles | $62.95M | $65.38M | $68.02M | $72.25M | -3.7% |
| Total assets | $1.07B | $1.22B | $1.06B | $2.84B | -11.8% |
| Long-term debt | $149.35M | $149.02M | $148.69M | $148.35M | +0.2% |
| Total debt | $152.49M | $152.34M | $149.43M | $150.04M | +0.1% |
| Total liabilities | $755.17M | $980.45M | $893.61M | $3.02B | -23.0% |
| Retained earnings | -$114.51M | -$184.77M | -$237.39M | -$546.30M | +38.0% |
| Shareholder equity | $317.56M | $235.66M | $168.76M | -$182.04M | +34.8% |
| Net tangible assets | $254.62M | $170.28M | $100.74M | -$254.28M | +49.5% |
| Shares issued | 48.98M | 48.42M | 46.99M | 43.49M | +1.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $106.84M | $75.72M | $309.91M | -$469.97M | +41.1% |
| Depreciation & amortisation | $6.57M | $8.87M | $10.63M | $23.31M | -25.9% |
| Stock-based compensation | $4.30M | $2.54M | $1.32M | $1.39M | +68.9% |
| Change in working capital | -$54.85M | $160.62M | -$238.22M | $210.00M | -134.1% |
| Operating cash flow | $71.03M | $243.51M | -$136.00M | -$173.11M | -70.8% |
| Capital expenditure | -$155.00K | -$22.00K | -$196.00K | -$3.05M | -604.5% |
| Investing cash flow | $620.00K | -$179.21M | -$2.54M | $236.84M | +100.3% |
| Dividends paid | $0 | -$24.10M | $0 | -$2.59M | +100.0% |
| Financing cash flow | -$1.08M | -$13.84M | $26.77M | -$25.39M | +92.2% |
| Free cash flow | $70.87M | $243.49M | -$136.20M | -$176.16M | -70.9% |
| End cash position | $292.85M | $222.29M | $171.83M | $283.61M | +31.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $82.49M | $71.12M | $86.27M | $90.29M | $86.36M | +16.0% |
| Operating revenue | $82.49M | $71.12M | $86.27M | $90.29M | $86.36M | +16.0% |
| Selling, general & admin | $8.13M | $8.18M | $4.42M | $8.26M | $4.72M | -0.6% |
| Net interest income | -$2.34M | -$2.34M | -$2.66M | -$2.72M | -$2.72M | 0.0% |
| Pre-tax income | $28.40M | $25.75M | $36.62M | $42.37M | $37.55M | +10.3% |
| Tax provision | $6.51M | $6.50M | $10.05M | $9.89M | $9.52M | +0.1% |
| Net income | $21.90M | $19.25M | $26.56M | $32.48M | $26.44M | +13.7% |
| Net income to common | $21.90M | $19.25M | $26.56M | $32.48M | $26.44M | +13.7% |
| Basic EPS | 0.46 | 0.40 | 0.55 | 0.67 | 0.55 | +15.0% |
| Diluted EPS | 0.44 | 0.39 | 0.53 | 0.65 | 0.53 | +12.8% |
| EBIT | $30.75M | $28.10M | $39.28M | $45.09M | $40.27M | +9.4% |
| Basic shares | 48.09M | 48.55M | 48.67M | 48.66M | 48.43M | -0.9% |
| Diluted shares | 49.30M | 49.81M | 49.93M | 49.92M | 49.64M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $218.94M | $117.01M | $198.76M | $267.87M | $315.49M | +87.1% |
| Cash & short-term investments | $326.83M | $228.86M | $311.81M | $382.97M | $436.59M | +42.8% |
| Accounts receivable | $237.35M | $188.78M | $198.65M | $174.60M | $223.13M | +25.7% |
| Property, plant & equipment | $869.00K | $691.00K | $723.00K | $2.81M | $3.75M | +25.8% |
| Goodwill & intangibles | $61.68M | $62.34M | $62.95M | $63.56M | $64.17M | -1.1% |
| Total assets | $1.24B | $997.01M | $1.07B | $1.18B | $1.35B | +24.8% |
| Long-term debt | $149.52M | $149.44M | $149.35M | $149.27M | $149.19M | +0.1% |
| Total debt | $152.54M | $152.51M | $152.49M | $152.46M | $152.44M | +0.0% |
| Total liabilities | $903.01M | $665.31M | $755.17M | $851.63M | $1.05B | +35.7% |
| Retained earnings | -$73.36M | -$95.25M | -$114.51M | -$104.50M | -$136.98M | +23.0% |
| Shareholder equity | $340.79M | $331.70M | $317.56M | $327.22M | $292.30M | +2.7% |
| Net tangible assets | $279.11M | $269.36M | $254.62M | $263.67M | $228.13M | +3.6% |
| Shares issued | 47.27M | 48.99M | 48.98M | 48.98M | 48.96M | -3.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $21.90M | $19.25M | $26.56M | $32.48M | $26.44M | — | +13.7% |
| Depreciation & amortisation | $750.00K | $861.00K | $1.53M | $1.63M | $1.69M | — | -12.9% |
| Stock-based compensation | $1.71M | $1.13M | $1.05M | $1.05M | $1.47M | — | +51.7% |
| Change in working capital | $34.55M | -$23.87M | -$75.53M | -$70.61M | $92.31M | — | +244.8% |
| Operating cash flow | $58.50M | -$5.74M | -$47.75M | -$35.62M | $127.95M | — | +1,119.8% |
| Capital expenditure | -$235.00K | -$136.00K | -$59.00K | — | — | -$96.00K | -72.8% |
| Investing cash flow | $34.24M | -$6.59M | -$16.68M | -$12.46M | $24.55M | — | +619.3% |
| Share buybacks | -$14.44M | -$5.00M | — | — | $0 | $0 | -188.8% |
| Dividends paid | $0 | -$36.57M | — | — | $0 | $0 | +100.0% |
| Financing cash flow | -$14.47M | -$41.57M | -$1.85M | $0 | $465.00K | — | +65.2% |
| Free cash flow | $58.26M | -$5.87M | -$47.81M | -$35.62M | $127.95M | — | +1,092.2% |
| End cash position | $317.22M | $238.95M | $292.85M | $359.14M | $407.21M | — | +32.8% |
Options analytics
Put / call volume
0.06
Call-heavy session
Put / call open interest
0.05
Positioning, not flow
Max pain
9.00
-4.9% from spot
ATM implied vol
57.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
35
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
9.00
108 contracts
Heaviest put OI
9.00
6 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.42 | 0.33 | -21.4% |
| Mar 2026 | 0.44 | 0.39 | -11.4% |
| Dec 2025 | 0.42 | 0.52 | +23.8% |
| Sep 2025 | 0.39 | 0.61 | +56.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.10 | 1 | $0 | — |
| Next quarter | 0.14 | 1 | $0 | — |
| Current year | 0.96 | 1 | $381.67M | +13.8% |
| Next year | 1.28 | 1 | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders50.64%
Held by institutions35.44%
Institutions holding192
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
9.27
+1.99% from price
SMA 20
9.25
+2.28% from price
SMA 50
9.60
-1.46% from price
SMA 100
10.14
-6.72% from price
SMA 200
10.77
-12.20% from price
EMA 12
9.30
+1.72% from price
EMA 26
9.35
+1.14% from price
EMA 50
9.59
-1.37% from price
RSI (14)
53.7
Neutral
MACD (12,26,9)
-0.05
Hist 0.06
ATR (14)
0.19
2.06% of price
Realised vol 30D
20.2%
Annualised
Bollinger upper
9.48
20, 2σ
Bollinger lower
9.02
20, 2σ
50 / 200 cross
Death
9.60 vs 10.77
Trend bias
Below 200
-12.20%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.02
Less volatile than market
Correlation to SPY
-0.01
Largely independent
Realised vol 30D
20.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-30.6%
Peak to trough
Max drawdown 5Y
-94.0%
Peak to trough
ATR 14
0.19
2.06% of price
Beta (reported)
-0.53
5Y monthly, from filing
Short interest
Shares short
1.84M
Prior 1.18M
Change vs prior
+55.5%
Shorts adding
% of float
7.84%
Normal
% of shares out
3.90%
Against total outstanding
Days to cover
7.7
Crowded exit
Float
22.76M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 12, 26 | Oppenheimer | INITIATED | — | Perform |
| Nov 12, 24 | Raymond James | MAINTAINED | Outperform | Outperform |
| Jan 17, 24 | Raymond James | INITIATED | — | Outperform |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield3.70%
Payout ratio0.00%
Ex-dividend dateJan 2, 2026
Next pay dateJan 9, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-10-02
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-05-29
Corporate Changes & Voting Matters
8-K · 2026-05-15
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-05
Annual Report to Shareholders
ARS · 2026-04-01
Headlines
American Coastal Insurance Corporation to Host Investor Webcast on October 13, 2026
GlobeNewswire · 19h ago
American Coastal Insurance Corporation Announces Restructured Exclusive Managing Agency Agreement with AmRisc, LLC
GlobeNewswire · 23d ago
American Coastal Maps E&S Expansion as Florida Insurance Pricing Softens
MarketBeat · 39d ago
American Coastal Insurance Insider Sold Shares Worth $391,914, According to a Recent SEC Filing
MT Newswires · 49d ago
American Coastal Insurance (ACIC) Q2 2026 Earnings Call Transcript
Motley Fool · 56d ago
American Coastal Insurance Corporation Announces an Additional $25 Million of Stock Repurchase Authorization
GlobeNewswire · 62d ago
American Coastal Insurance Corp (ACIC) (Q2 2026) Earnings Call Highlights: Strong Underlying ...
GuruFocus.com · 62d ago
American Coastal (ACIC) Reports Q2 Earnings: What Key Metrics Have to Say
Zacks · 63d ago
PRIVATE STRATEGY · BY QUALIFICATION
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