American Integrity (AII)
Writes residential property coverage through agents across the Southeast.
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Provides homeowners, condo, rental, vacant-property, commercial residential, watercraft, and golf-cart insurance, with one reportable segment and distribution mainly through independent agents. The book is concentrated in Florida while expanding across nearby Southeast states, and results depend on catastrophe reinsurance, storm losses, Citizens take-outs, and state insurance regulation.
Underwrites admitted residential property coverage for homeowners, condo owners, renters, manufactured homes, vacant homes, rental dwellings, commercial residential associations, watercraft, and golf carts. The company reports a single operating segment, so product breadth sits inside one consolidated insurance business rather than separate management divisions.
Most policies and premiums remain in Florida, with expansion into Georgia, North Carolina, and South Carolina. Distribution runs through independent agents, partner channels, homebuilder-affiliated agents, and direct-to-consumer paths.
The operating model pairs voluntary-market underwriting with selective Citizens policy assumptions. Hurricane exposure, catastrophe reinsurance availability and pricing, Florida insurance regulation and litigation rules, and Citizens take-out economics shape the business.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 20, 2026 | Raymond James | Target | Target: $28 | Target: $27 |
| Aug 13, 2026 | Piper Sandler | Reiterate | Rating: —Target: $23 | Target: $26 |
| Jul 15, 2026 | Piper Sandler | Reiterate | Rating: —Target: $27 | Target: $23 |
| Jan 16, 2026 | Raymond James | Target | Target: $24 | Target: $28 |
| Oct 14, 2025 | JMP Securities | Reiterate | Rating: —Target: $23 | Target: $26 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $519.0M · Total debt $33.5M · Total assets $1.61B · Shareholders' equity $369.5M
- Revenue
- $115.2M
- Operating income
- $46.4M
- Net income
- $34.1M
| Institutions | ≈ 55.39% | 10.85M shares | |
|---|---|---|---|
| 104 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 37.99% | 7.44M shares | |
| 10 holders · as of Sep 17, 2026 | |||
| Other | ≈ 6.62% | 1.30M shares | |
| remainder | |||
19.59M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
James E. SowellInsider10 percent owner | 23.53% | 4.61M | filed Jun 11, 2026 |
Robert C. RitchieInsiderdirector, officer: Chief Executive Officer | 9.62% | 1.88M | filed Sep 2, 2026 |
Boston PartnersInstitution | 7.79% | 1.53M | as of Jun 30, 2026 |
Wasatch Advisors LPInstitution | 6.43% | 1.26M | as of Jun 30, 2026 |
Mink Brook Asset Management LLCInstitution | 4.99% | 977,969 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 31, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −9,174 | $25.92 |
| Aug 28, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −6,000 | $26.50 |
| Aug 27, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −10,000 | $26.35 |
| Aug 26, 2026 | Robert C. Ritchie | director, officer: Chief Executive Officer | −54,365 | $26.63 |
| Aug 25, 2026 | Robert C. Ritchie | director, 10 percent owner, officer: Chief Executive Officer | −65,000 | $26.29 |
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CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| American Integrity | $25.96 | −0.12% | $506.6M | 5.7 | 8.1 | 1.5 | +338.4% |
| Slide Insurance | $23.87 | −0.08% | $2.83B | 5.9 | 6.7 | 2.0 | +16.7% |
| 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% |
| Assurant | $271.08 | −0.00% | $13.74B | 13.1 | 12.2 | 1.0 | +9.4% |
| Heritage Insurance | $33.50 | −0.03% | $1.03B | 4.9 | 6.7 | 1.3 | +3.0% |
| Allstate | $229.50 | +0.06% | $62.52B | 4.8 | 8.1 | 0.9 | −7.2% |
| Progressive | $206.77 | −0.07% | $123.40B | 10.6 | 12.5 | 1.4 | +5.0% |
| Median | 5.9 | 8.8 | 1.3 | +9.4% |