ACIC
BEARISH
$11.31
Live
American Coastal Insurance Corporation · NASDAQ
Target $14.0
(+23.8%)
$9.97
52W Range
$13.06
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$551.54M
P/E
6.54
ROE
38.6%
Profit margin
31.9%
Debt/Equity
0.47
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
ACIC's Piotroski F-Score of 3/9 indicates weak financial health, with no Altman Z-Score available to assess bankruptcy risk. Despite a high Graham Number ($16.99) and strong profitability metrics like 31.85% profit margin and 38.61% ROE, the company exhibits severe revenue contraction (-23.50% YoY) and negative operating margin (-10.03%), signaling deteriorating core business performance. The stock trades at a P/E of 6.54, below sector average, but this is likely a reflection of declining fundamentals rather than undervaluation. Analysts recommend 'buy' with a $14.00 target, but insider selling and weak technical momentum undermine conviction.
Key Strengths
High profit margin (31.85%) and strong ROE (38.61%) indicate efficient capital use
Graham Number of $16.99 suggests defensive fair value potential
Recent quarters have shown significant earnings surprises (up to +241.2%)
P/E ratio (6.54) is below sector average (30.46), suggesting potential value
Strong historical EPS growth (333.3% YoY) in the most recent quarter
Key Risks
Piotroski F-Score of 3/9 signals weak financial health and potential distress
Negative operating margin (-10.03%) and declining revenue (-23.50% YoY) indicate core business deterioration
Insider selling of $0.22M in the last 6 months signals bearish sentiment
No Altman Z-Score available; absence raises red flags for default risk
Technical trend is bearish (0/100), with recent price decline (-2.8% in 1 week)
AI Fair Value Estimate
Based on comprehensive analysis
$12.11
+7.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
38
Weak
65
30
70
25
0
AI Verdict
Weak
Key drivers: Low Piotroski F-Score (3/9), Negative operating margin, Declining revenue, Insider selling, Bearish technical trend
Confidence
85%
Value
65/100
Ref P/E, PEG, Graham Number
Positives
- Graham Number of $16.99 implies defensive fair value
- P/E of 6.54 is below sector average (30.46)
- Intrinsic value estimate of $12.11 is close to current price ($11.31)
Watchpoints
- High Price/Book (1.53) suggests premium valuation relative to book
- Lack of growth visibility despite low P/E
- Forward P/E of 7.32 is not significantly better
Future
30/100
Ref Growth rates
Positives
- Recent EPS growth of +333.3% YoY
- Strong earnings surprises in recent quarters (avg +40.78%)
Watchpoints
- Revenue growth is sharply negative (-23.50% YoY)
- Operating margin is negative (-10.03%)
- No forward guidance or growth metrics available
Past
70/100
Ref Historical trends
Positives
- Consistent earnings beat rate (3/4 in last 4 quarters)
- Historical EPS surprises often exceed 50%
- Strong past performance in 2024-2025 quarters
Watchpoints
- Multiple quarters of negative earnings (2020–2022)
- Extreme negative surprises in 2022 (e.g., -562.2%)
- Inconsistent earnings trajectory
Health
25/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity ratio of 0.47 is relatively low
- Current ratio of 1.05 is above 1.0
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Quick ratio of 0.49 is very low (below 0.50)
- No Altman Z-Score available, raising default risk concerns
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- Dividend Strength score of 0/100
- No history of dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$11.31
Analyst Target
$14.0
Upside/Downside
+23.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACIC and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACIC
American Coastal Insurance Corporation
Primary
|
+65.7% | +399.5% | +1.6% | +9.0% | +2.3% | -2.8% |
|
BGY
BlackRock Enhanced International Dividend Trust
Peer
|
+46.6% | +41.8% | +18.4% | +7.6% | +3.0% | +0.6% |
|
BME
BlackRock Health Sciences Trust
Peer
|
+19.4% | +22.4% | +13.7% | +20.6% | +2.5% | +1.8% |
|
NRIM
Northrim BanCorp, Inc.
Peer
|
+178.5% | +143.9% | +43.0% | +15.8% | +7.8% | +2.8% |
|
AVK
Advent Convertible and Income Fund
Peer
|
+43.6% | +52.3% | +17.8% | +9.9% | +1.6% | +0.3% |
ACI
American Coastal Insurance Corporation
Primary
5Y
+65.7%
3Y
+399.5%
1Y
+1.6%
6M
+9.0%
1M
+2.3%
1W
-2.8%
BGY
BlackRock Enhanced International Dividend Trust
Peer
5Y
+46.6%
3Y
+41.8%
1Y
+18.4%
6M
+7.6%
1M
+3.0%
1W
+0.6%
BME
BlackRock Health Sciences Trust
Peer
5Y
+19.4%
3Y
+22.4%
1Y
+13.7%
6M
+20.6%
1M
+2.5%
1W
+1.8%
NRI
Northrim BanCorp, Inc.
Peer
5Y
+178.5%
3Y
+143.9%
1Y
+43.0%
6M
+15.8%
1M
+7.8%
1W
+2.8%
AVK
Advent Convertible and Income Fund
Peer
5Y
+43.6%
3Y
+52.3%
1Y
+17.8%
6M
+9.9%
1M
+1.6%
1W
+0.3%
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
6.54
Forward P/E
7.32
PEG Ratio
N/A
P/B Ratio
1.53
P/S Ratio
1.64
EV/Revenue
1.43
EV/EBITDA
3.14
Market Cap
$551.54M
Profitability
Profit margins and return metrics
Profit Margin
31.85%
Operating Margin
-10.03%
Gross Margin
57.11%
ROE
38.61%
ROA
8.01%
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
1.05
Good
Quick Ratio
0.49
Poor
Cash/Share
$4.36
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-02-19
$0.52
+23.8% surprise
2025-11-05
$0.61
+56.4% surprise
2025-08-06
$0.54
+42.1% surprise
Financial Services Sector Comparison
Comparing ACIC against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
6.54
This Stock
vs
46.02
Sector Avg
-85.8%
(Discount)
Return on Equity (ROE)
38.61%
This Stock
vs
0.23%
Sector Avg
+16777.5%
(Excellent)
Profit Margin
31.85%
This Stock
vs
50.44%
Sector Avg
-36.9%
(Weaker)
Debt to Equity
0.47
This Stock
vs
1.37
Sector Avg
-66.0%
(Less Debt)
Revenue Growth
-23.5%
This Stock
vs
37.35%
Sector Avg
-162.9%
(Slower)
Current Ratio
1.05
This Stock
vs
3.28
Sector Avg
-67.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ACIC
American Coastal Insurance...
|
BEARISH | $551.54M | 6.54 | 38.6% | 31.9% | $11.31 | |
|
BGY
BlackRock Enhanced...
|
BEARISH | $554.84M | 45.92 | 7.0% | 283.6% | $5.97 | Compare |
|
BME
BlackRock Health Sciences Trust
|
BEARISH | $545.27M | - | -4.6% | -% | $42.19 | Compare |
|
NRIM
Northrim BanCorp, Inc.
|
BULLISH | $542.8M | 8.55 | 21.8% | 30.9% | $24.53 | Compare |
|
AVK
Advent Convertible and Income Fund
|
BEARISH | $563.34M | 4.73 | 21.1% | 286.0% | $12.76 | Compare |
ACIC
American Coastal...
BEARISH
Mkt Cap
$552M
P/E
6.5
ROE
38.6%
Price
$11.31
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 |
ADLER BROOKE
Officer
2025-12-31
16,779 shares
GRIFFITH CHRISTOPHER
Chief Operating Officer
2025-11-10
18,409 shares
·
$218,331
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
1 analysts
Oppenheimer
2026-01-12
Perform
Past News Coverage
Recent headlines mentioning ACIC from our newsroom.
Newest → oldest
No matching news yet.