American Coastal Insurance (ACIC)
Writes commercial residential property coverage through AmRisc and Skyway in Florida.
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Writes commercial residential property insurance in Florida through American Coastal Insurance Company, with Condo & HOA, Apartment, and Assisted Living products distributed through AmRisc and Skyway. The business is a single commercial-lines segment shaped by catastrophe exposure, reinsurance capacity, Florida regulation, and its exclusive AmRisc relationship.
Writes commercial residential property insurance in Florida through American Coastal Insurance Company, its wholly owned carrier. The current product set centers on Condo & HOA, Apartment, and Assisted Living coverage after the exit from legacy personal homeowners lines and the sale of Interboro.
Distribution and underwriting run through specialist channels. Condo and association property business is produced through an exclusive AmRisc managing general agency relationship, while Apartment and Assisted Living products are appointed through Skyway wholesale brokers.
Underwriting discipline is built around low-rise commercial property exposed to Florida catastrophe risk. The business depends on reinsurance availability and pricing, AmRisc production, and Florida admitted-market insurance regulation, so the operating model is concentrated by geography, product, and partner relationship.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 11, 2026 | Raymond James | Reiterate | Rating: —Target: — | Target: $13 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $328.0M · Total debt $152.5M · Total assets $1.24B · Shareholders' equity $340.8M
- Revenue
- $82.5M
- Operating income
- $28.4M
- Net income
- $21.9M
HistoryDividendAnnual yield
| Institutions | 50.99% | 392.64M shares | |
|---|---|---|---|
| 566 holders · as of Jun 30, 2026 | |||
| Insiders | 0.55% | 4.26M shares | |
| 15 holders · as of Aug 19, 2026 | |||
| Other | 48.46% | 373.12M shares | |
| remainder | |||
770.02M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Two share counts disagree (770.02M in the company's Sep 22, 2026 report, 48.46M elsewhere); stakes use the report.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 7.82% | 60.24M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.32% | 48.67M | as of Jun 30, 2026 |
Ark Investment Management LLCInstitution | 4.15% | 31.96M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.78% | 29.09M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 3.73% | 28.69M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 17, 2026 | Christopher Griffith | officer: Chief Operating Officer | −41,672 | $9.40 |
| Mar 20, 2026 | Kern Michael Davis | director | +100 | $11.05 |
| Mar 18, 2026 | Kern Michael Davis | director | +400 | $11.24 |
| Mar 19, 2026 | Kern Michael Davis | director | +200 | $11.12 |
| Mar 4, 2026 | Kern Michael Davis | director | +700 | $11.71 |
- Heritage Insurance
Direct commercial residential property peer in Florida and coastal states
- Universal Insurance
Large Florida-heavy residential property carrier with agency reach
- HCI Group
Florida-centered P&C insurer competing for coastal property capacity
- American Integrity
Florida residential property specialist with condo-owner exposure
- Palomar
Specialty property insurer with E&S and hurricane-cat exposure
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| American Coastal Insurance | $9.21 | −0.05% | $445.4M | 4.6 | 9.4 | 1.3 | +150.2% |
| Heritage Insurance | $33.50 | −0.03% | $1.03B | 4.9 | 6.7 | 1.3 | +3.0% |
| Universal Insurance | $43.03 | −0.07% | $1.21B | 5.7 | 9.3 | 0.7 | +55.3% |
| HCI Group | $181.50 | +0.76% | $2.35B | 7.6 | 8.8 | 2.5 | +11.2% |
| American Integrity | $25.96 | −0.12% | $506.6M | 5.7 | 8.1 | 1.5 | +338.4% |
| Palomar | $131.54 | −0.06% | $3.55B | 18.0 | 12.2 | 3.3 | +210.1% |
| Median | 5.7 | 8.8 | 1.5 | +55.3% |