American Coastal Insurance Corp. (ACIC)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$10.27-3.52%
Close 2026-11-05 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
QuarterlyIQ Insights · ACIC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Bradford Martz: "Our third quarter results reflect the strength of our disciplined underwriting in a softening market.
Stated in 3 of 3 supplied quarters. Management reported: “With our net pricing down more than 25% year over year, American Coastal delivered solid results against a very strong prior-year quarter, including net income of $19.4 million, a 64.7% combined ratio and a 24.1% core return on equity.” “As Florida pricing comes off a generational peak, we remain focused on underwriting profitability rather than chasing new business at inadequate rates.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Bradford Martz: "Our third quarter results reflect the strength of our disciplined underwriting in a softening market.”
“As Florida pricing comes off a generational peak, we remain focused on underwriting profitability rather than chasing new business at inadequate rates.”
“While the commercial market continues through a soft cycle, periods like these create opportunities for carriers with discipline, patience, and a long-term view of value creation.”
During the quarter, we put our AmRisc partnership on a permanent footing, and our participation in AmRisc’s nationwide E&S commercial property portfolio has added $37.3 million of premium so far this…
Stated in 2 of 3 supplied quarters. Management reported: “During the quarter, we put our AmRisc partnership on a permanent footing, and our participation in AmRisc’s nationwide E&S commercial property portfolio has added $37.3 million of premium so far this year.” “With E&S already adding $28.7 million of premium year to date and a track record of profitability every year since 2007, we're confident we can keep compounding value and extend our business to new markets with sustainable competitive advantages.””
“During the quarter, we put our AmRisc partnership on a permanent footing, and our participation in AmRisc’s nationwide E&S commercial property portfolio has added $37.3 million of premium so far this…”
“With E&S already adding $28.7 million of premium year to date and a track record of profitability every year since 2007, we're confident we can keep compounding value and extend our business to new m…”
We are being deliberate about where and how we deploy capital through selective partnerships, targeted classes of commercial property business, and leaning into AI in ways that will strengthen our co…
Stated in 1 of 3 supplied quarters. Management reported: “We are being deliberate about where and how we deploy capital through selective partnerships, targeted classes of commercial property business, and leaning into AI in ways that will strengthen our competitive position without compromising underwriting standards.”
“We are being deliberate about where and how we deploy capital through selective partnerships, targeted classes of commercial property business, and leaning into AI in ways that will strengthen our co…”
Focus on meeting full-year 2026 total revenue guidance range of $335 million to $365 million.
Target full-year 2026 earnings per share of $2.15 as guided.
Over the trailing year it converted 2.47x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-04.