American Coastal Insurance Corporation (ACIC)

From the record

American Coastal Insurance Corporation's filings since 2017 show 9 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2022-10-18); a warning not to rely on past financial statements (8-K item 4.02, the latest 2023-08-21); an auditor change (8-K item 4.01, the latest 2018-06-01); a late-report notice (Form NT 10-K or NT 10-Q, 6 times, the latest 2023-08-14) (its current reports).

From the record

American Coastal Insurance Corporation's 10 filed years say what it did: revenue went from $487 million in fiscal 2016 to $335 million in fiscal 2025, down 4.1% a year; it rose in 7 of 9 years; the deepest fall was 74% from fiscal 2020 to fiscal 2022; net income was positive in 6 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, American Coastal Insurance Corporation's diluted share count grew about 5.0% a year, and dividends and buybacks returned about 14% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 10 purchases of their own stock on the open market in the year to 2026-09-30, buying about $155 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, American Coastal Insurance Corporation earned about 34 cents of profit for every dollar of shareholders' money. Leverage: it owed about 70 cents per dollar of assets, and net share issuance: its share count grew 0.9% over the year (the filed statements).

From the record

American Coastal Insurance Corporation's standing among 60 graded names in its industry family: revenue of $335 million in fiscal 2025 ranks in the bottom 19% by size; a net margin of 31.8% ranks in the top 11%; revenue growth of 14.8% a year over the last 3 filed years ranks in the top 41% (its annual reports).

From the record

American Coastal Insurance Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Martz, Brad (President & CEO, as filed), filing under that title since 2026-04-07, 7 months (bottom 5% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 9.6 years (top 21%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (top 45%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

American Coastal Insurance Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $199 million against debt of $150 million leaves 4.5% of its assets as net cash, top 27% of its family; cash from operations less capital spending is 21.1% of revenue (top 37%) (its annual report).

From the record

American Coastal Insurance Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 14.8% a year over the last three filed years against -4.1% over all 10, speeding up (top 3% of its family); the newest year grew 13.1% (top 29%); capital spending grew -62.9% a year (bottom 4%) (its annual reports). American Coastal Insurance Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

American Coastal Insurance Corporation's newest year against its own record: revenue of $335 million in fiscal 2025 came in 2.2% below the $343 million its prior three years' pace pointed to (top 35% of its family); net income of $107 million against a prior three-year average of $28 million (top 13%); a net margin of 31.8% against -23.1% before (top 6%) (its annual reports).