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
$10.89
Analyst Target
$14.0
+28.6%
Upside
52W High
$13.2
52W Low
$9.97
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 21, 2026
Market cap
$531.05M
P/E
6.29
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 discount to its Graham fair value ($10.89 vs $16.99), but this is offset by a negative operating margin (-10.03%), declining revenue (-23.50% YoY), and a lack of Altman Z-Score data, raising solvency concerns. While earnings surprises have been positive in recent quarters (avg +34.47%), the underlying business is contracting, and insider sentiment is bearish with a recent sale. Analysts recommend 'buy' with a $14.00 target, but the consensus is based on a single analyst.
Key Strengths
Strong Graham Number ($16.99) suggests undervaluation based on conservative metrics
High ROE (29.34%) indicates efficient use of equity capital
Positive earnings surprises in 3 of last 4 quarters (avg +34.47%) show earnings resilience
Low P/E (6.29) and Price/Book (1.47) suggest valuation attractiveness relative to sector
Recent Q/Q EPS growth of +13.0% indicates improving profitability momentum
Key Risks
Piotroski F-Score of 4/9 signals weak financial health and potential distress
Negative operating margin (-10.03%) and declining revenue (-23.50% YoY) indicate deteriorating core operations
No Altman Z-Score available; risk of financial distress cannot be ruled out
Insider selling (1 transaction, $0.22M) with no buys suggests internal skepticism
Lack of consistent earnings growth and missing forward PEG ratio limit growth assessment
AI Fair Value Estimate
Based on comprehensive analysis
$14.5
+33.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
49
Moderate
78
55
70
40
0
AI Verdict
neutral
Key drivers: Strong Graham Number and low P/E suggest value, Weak Piotroski F-Score and negative operating margin signal financial fragility, Recent earnings beat but declining revenue raises sustainability concerns
Confidence
75%
Value
78/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($10.89) is below Graham Number ($16.99)
- P/E (6.29) is significantly below sector average (30.38)
- Price/Book (1.47) is reasonable for a financial firm
Watchpoints
- Intrinsic value ($12.11) is only modestly above current price
- No PEG ratio limits growth-adjusted valuation
Future
55/100
Ref Growth rates
Positives
- Recent Q/Q EPS growth of +13.0% shows improvement
- Positive earnings surprises in 3 of last 4 quarters
Watchpoints
- Revenue growth is sharply negative (-23.50% YoY)
- No forward P/E or PEG data limits growth projection
Past
70/100
Ref Historical trends
Positives
- Strong earnings surprise history (avg +34.47% over last 4 quarters)
- Multiple quarters with surprise >50% (e.g., +100%, +56.4%)
Watchpoints
- Historical earnings volatility with multiple negative surprises (> -500%)
- Persistent losses in 2021–2022, including a -562.2% surprise in Q3 2022
Health
40/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity (0.47) is low and manageable
- Current ratio (1.07) is above 1.0
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Operating margin is negative (-10.03%)
- Quick ratio (0.46) is low, indicating weak short-term liquidity
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- Dividend Strength: 0/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$10.89
Analyst Target
$14.0
Upside/Downside
+28.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACIC and closest competitors.
Updated 2026-02-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACIC
American Coastal Insurance Corporation
Primary
|
+126.0% | +735.0% | -8.8% | +6.5% | -3.1% | -1.8% |
|
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
|
+38.8% | +43.3% | +5.0% | -0.5% | +2.1% | -0.1% |
|
BLW
BlackRock Limited Duration Income Trust
Peer
|
+34.9% | +35.5% | +6.4% | +2.4% | +0.9% | +0.6% |
|
ACNB
ACNB Corporation
Peer
|
+124.0% | +49.7% | +30.8% | +12.9% | +2.1% | -1.4% |
|
AROW
Arrow Financial Corporation
Peer
|
+32.2% | +12.2% | +25.8% | +24.2% | +3.4% | +0.1% |
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
6.29
Forward P/E
6.94
PEG Ratio
N/A
P/B Ratio
1.47
P/S Ratio
1.62
EV/Revenue
1.44
EV/EBITDA
3.77
Market Cap
$531.05M
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
2026-05-07
$N/A
2025-11-05
$0.61
+56.4% surprise
2025-08-06
$0.54
+42.1% surprise
2025-05-08
$0.43
+4.9% surprise
Financial Services Sector Comparison
Comparing ACIC against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
6.29
This Stock
vs
30.39
Sector Avg
-79.3%
(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 | $531.05M | 6.29 | 29.3% | 26.0% | $10.89 | |
|
BGB
Blackstone Strategic...
|
BEARISH | $531.51M | 11.55 | -% | -% | $11.9 | |
|
BLW
BlackRock Limited Duration...
|
BEARISH | $533.36M | 9.91 | 9.9% | 81.9% | $13.77 | |
|
ACNB
ACNB Corporation
|
NEUTRAL | $537.93M | 14.39 | 10.2% | 25.3% | $51.8 | |
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $538.37M | 16.43 | 8.5% | 23.4% | $32.69 |
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
BUY
1 analysts
Oppenheimer
2026-01-12
Perform
Past News Coverage
Recent headlines mentioning ACIC from our newsroom.
Newest → oldest
No matching news yet.