ACIC American Coastal Insurance Corporation - Fundamental Analysis
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ACIC Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Insurance - Property & Casualty
Current Price
Live
$11.09
Analyst Target
$14.0
+26.2%
Upside
52W High
$13.5
52W Low
$9.97
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 14, 2026
Market cap
$540.81M
P/E
6.41
ROE
29.3%
Profit margin
26.0%
Debt/Equity
0.47
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
ACIC's Piotroski F-Score of 4/9 indicates weak financial health, signaling potential distress despite a strong Graham Number of $16.99 and intrinsic value of $12.11. The company trades at a P/E of 6.41, significantly below the sector average of 30.52, suggesting undervaluation, but this is offset by a 23.5% YoY revenue decline and negative operating margin. Insider selling activity and a bearish technical trend further temper optimism. While earnings surprises have been positive recently, the lack of analyst coverage and inconsistent profitability raise concerns about sustainability.
Key Strengths
High profit margin of 25.96% indicates strong pricing power or cost control
Strong ROE of 29.34% suggests efficient use of equity capital
Graham Number ($16.99) implies a defensive fair value above current price
Recent earnings have consistently beaten estimates (3/4 of last 4 quarters)
Significant historical price appreciation (5Y: +114.7%, 3Y: +710.9%) reflects strong past momentum
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health and potential distress
Negative operating margin (-10.03%) and declining revenue (-23.5% YoY) signal deteriorating core operations
Insider selling (1 transaction, $0.22M) with no buys suggests internal skepticism
No Altman Z-Score available, but low Piotroski score and negative operating margin raise bankruptcy risk concerns
Lack of analyst coverage (only 1 analyst) and no target price consensus reduce transparency
AI Fair Value Estimate
Based on comprehensive analysis
$14.5
+30.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
45
Moderate
72
45
68
38
0
AI Verdict
neutral
Key drivers: Strong Graham Number and ROE, Weak Piotroski F-Score and declining revenue, Positive earnings surprises but inconsistent profitability
Confidence
75%
Value
72/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($11.09) is below Graham Number ($16.99)
- P/E (6.41) is well below sector average (30.52)
- Intrinsic value estimate ($12.11) is close to current price
Watchpoints
- No PEG ratio available, limiting growth-adjusted valuation
- High revenue decline undermines growth-based valuation
Future
45/100
Ref Growth rates
Positives
- Recent earnings have beaten estimates in 3 of last 4 quarters
- Average earnings surprise of 34.51% in last 4 quarters
- Q/Q EPS growth of +13.0% suggests improving performance
Watchpoints
- Revenue growth is sharply negative (-23.5% YoY)
- No forward P/E or earnings growth data available
- No clear path to sustainable growth evident
Past
68/100
Ref Historical trends
Positives
- 5-year price return of +114.7% and 3-year return of +710.9% indicate strong historical performance
- Consistent earnings beat history (25 quarters tracked)
- High average surprise of 34.51% in recent quarters
Watchpoints
- Historical earnings volatility with multiple large negative surprises
- Several quarters with losses and negative EPS
- 2022-2023 period marked by severe losses and negative ROE
Health
38/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity ratio of 0.47 is relatively low
- Current ratio of 1.07 is above 1.0, indicating short-term liquidity
Watchpoints
- Piotroski F-Score of 4/9 is below threshold for financial health
- Operating margin is negative (-10.03%)
- Quick ratio of 0.46 is low, indicating weak short-term liquidity
- No Altman Z-Score available, but low Piotroski score raises distress risk
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio available
- Payout ratio is 0.00%
- Dividend strength is 0/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$11.09
Analyst Target
$14.0
Upside/Downside
+26.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACIC and closest competitors.
Updated 2026-02-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACIC
American Coastal Insurance Corporation
Primary
|
+114.7% | +710.9% | -2.6% | +8.0% | -1.8% | -1.9% |
|
AROW
Arrow Financial Corporation
Peer
|
+32.2% | +12.2% | +25.8% | +24.2% | +3.4% | +0.1% |
|
BME
BlackRock Health Sciences Trust
Peer
|
+19.4% | +22.4% | +13.7% | +20.6% | +2.5% | +1.8% |
|
ACNB
ACNB Corporation
Peer
|
+129.4% | +54.0% | +32.0% | +21.0% | +7.8% | -0.4% |
|
BLW
BlackRock Limited Duration Income Trust
Peer
|
+34.9% | +35.5% | +6.4% | +2.4% | +0.9% | +0.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
6.41
Forward P/E
7.47
PEG Ratio
N/A
P/B Ratio
1.5
P/S Ratio
1.65
EV/Revenue
1.43
EV/EBITDA
3.75
Market Cap
$540.81M
Profitability
Profit margins and return metrics
Profit Margin
25.96%
Operating Margin
-10.03%
Gross Margin
49.56%
ROE
29.34%
ROA
6.37%
Growth
Revenue and earnings growth rates
Revenue Growth
-23.5%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.47
Low debt
Current Ratio
1.07
Good
Quick Ratio
0.46
Poor
Cash/Share
$4.36
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-19
$N/A
2025-11-05
$0.61
+56.4% surprise
2025-08-06
$0.54
+42.1% surprise
2025-05-08
$0.42
+5.0% surprise
Financial Services Sector Comparison
Comparing ACIC against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
6.41
This Stock
vs
30.38
Sector Avg
-78.9%
(Discount)
Return on Equity (ROE)
29.34%
This Stock
vs
-7.57%
Sector Avg
-487.5%
(Below Avg)
Profit Margin
25.96%
This Stock
vs
83.86%
Sector Avg
-69.0%
(Weaker)
Debt to Equity
0.47
This Stock
vs
1.51
Sector Avg
-69.1%
(Less Debt)
Revenue Growth
-23.5%
This Stock
vs
30.29%
Sector Avg
-177.6%
(Slower)
Current Ratio
1.07
This Stock
vs
3.78
Sector Avg
-71.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ACIC
American Coastal Insurance...
|
NEUTRAL | $540.81M | 6.41 | 29.3% | 26.0% | $11.09 | |
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $538.37M | 16.43 | 8.5% | 23.4% | $32.69 | |
|
BME
BlackRock Health Sciences Trust
|
BEARISH | $545.27M | - | -4.6% | -% | $42.19 | |
|
ACNB
ACNB Corporation
|
NEUTRAL | $545.72M | 14.52 | 10.2% | 25.3% | $52.55 | |
|
BLW
BlackRock Limited Duration...
|
BEARISH | $533.36M | 9.91 | 9.9% | 81.9% | $13.77 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-31 | ADLER BROOKE | Officer | Gift | 16,779 | - |
| 2025-11-10 | GRIFFITH CHRISTOPHER | Chief Operating Officer | Sale | 18,409 | $218,331 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Oppenheimer
2026-01-12
Perform
Past News Coverage
Recent headlines mentioning ACIC from our newsroom.
Newest → oldest
No matching news yet.