American Coastal Insurance Corp

American Coastal Insurance Corp

ACIC · NASDAQ · Financial Services / Insurance - Property & Casualty

10.27USD-0.07 (-0.68%)

Price History

Full chart

Market Stats

Previous Close10.34
Open10.38
Day Range10.23 – 10.45
52-Week Range9.03 – 12.30
Volume150.70K
Market Cap444.33M
P/E (TTM)4.65
Forward P/E7.12
EPS2.02
Dividend Yield4.07%
Beta-0.48
50-Day Avg9.78
200-Day Avg10.92

About

American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in July 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Bennett Bradford Martz CPA
  • Employees68
  • Headquarters570 Carillon Parkway, Saint Petersburg, FL, United States, 33716, USA
  • Websitehttps://www.amcoastal.com

Leadership

  • Mr. Robert Daniel PeedExecutive Chairman · b. 1963
  • Mr. Bennett Bradford Martz CPAPresident & CEO · b. 1971
  • Ms. Svetlana Castle CPA, J.D.Chief Financial Officer · b. 1982
  • Mr. Christopher Lee GriffithCOO & Chief Information Officer · b. 1976
  • Ms. Brooke Eileen AdlerGeneral Counsel & Corporate Secretary · b. 1977
  • Mr. James Andrew Gray Jr., CPAChief Compliance & Risk Officer · b. 1963
  • Mr. Antonio GonzalezSenior Vice President of Sales & Agency Relations
  • Mr. Troy Joseph Crawford C.L.U., C.P.C.U., M.B.A.Chief Underwriting Officer

Financials

Income Statement

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue80.61M82.45M268.23K101.06M88.47M79.99M96.42M131.23M208.08M280.23M357.57M487.12M654.42M723.94M825.12M846.66M228.69M220.78M263.68M296.66M335.44M
Growth (%)-+2.28%-99.67%+37577.65%-12.46%-9.58%+20.54%+36.11%+58.56%+34.67%+27.60%+36.23%+34.35%+10.62%+13.98%+2.61%-72.99%-3.45%+19.43%+12.51%+13.07%
Cost of Revenue80.61M82.45M51.37M17.62M64.24M67.43M67.92M95.29M149.45M183.73M270.51M416.01M540.98M611.73M737.76M844.32M182.25M177.10M122.11M140.31M46.04M
Gross Profit--268.23K83.45M24.23M12.56M28.50M35.95M58.63M96.50M87.06M71.11M113.44M112.21M87.36M2.34M46.44M43.68M141.56M156.35M289.40M
Gross Margin--100.00%82.57%27.39%15.70%29.56%27.39%28.18%34.43%24.35%14.60%17.33%15.50%10.59%0.28%20.31%19.78%53.69%52.70%86.27%
Operating Expense--114.27K41.84M17.91M13.97M15.49M20.23M24.14M32.09M45.20M64.10M112.53M116.45M119.96M134.44M56.85M42.00M45.48M44.76M146.66M
Operating Income-1.09M18.21M153.96K41.60M6.33M-1.41M13.02M15.71M34.49M64.41M41.86M7.00M910.00K-4.24M-32.61M-132.10M-10.42M1.68M96.08M111.59M142.73M
Operating Margin-1.35%22.09%57.40%41.17%7.15%-1.76%13.50%11.97%16.57%22.98%11.71%1.44%0.14%-0.59%-3.95%-15.60%-4.56%0.76%36.44%37.62%42.55%
EBITDA-1.06M18.28M153.96K45.20M10.69M1.47M14.28M16.75M35.55M65.62M45.51M19.44M41.69M24.11M-10.83M-111.47M10.65M34.48M117.58M122.52M174.15M
EBITDA Margin-1.32%22.17%57.40%44.72%12.09%1.83%14.81%12.77%17.09%23.42%12.73%3.99%6.37%3.33%-1.31%-13.17%4.66%15.62%44.59%41.30%51.92%
Net Income1.16M17.21M82.46K33.42M4.06M-925.00K8.09M9.71M20.34M41.01M27.36M5.70M10.14M290.00K-29.87M-96.45M-57.92M-469.86M309.91M75.72M106.84M
Net Income Margin1.44%20.87%30.74%33.07%4.59%-1.16%8.39%7.40%9.78%14.64%7.65%1.17%1.55%0.04%-3.62%-11.39%-25.33%-212.81%117.53%25.52%31.85%
R&D------00000000-----357.70M-
R&D as % of Total Revenue------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-----120.58%-
Interest Expense312.00K5.02M6.08M2.81M3.18M1.77M548.00K355.00K367.00K410.00K326.00K723.00K3.25M9.87M9.78M9.58M9.30M9.48M10.88M12.00M10.81M
Interest Expense % of Total Revenue0.39%6.09%2265.98%2.78%3.59%2.21%0.57%0.27%0.18%0.15%0.09%0.15%0.50%1.36%1.19%1.13%4.07%4.30%4.12%4.04%3.22%

Balance Sheet

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-276.96M37.88M233.12M247.76M213.62M240.22M313.61M441.23M584.17M740.02M994.28M2.06B2.32B2.47B2.85B2.70B2.84B1.06B1.22B1.07B
Total Liabilities-252.85M174.34K190.19M199.69M168.33M185.23M225.63M333.64M380.41M500.81M752.96M1.52B1.78B1.94B2.43B2.37B3.02B891.62M980.45M755.17M
Total Equity-24.11M24.96M42.93M48.07M45.29M54.99M87.99M107.59M203.76M239.21M241.33M537.13M540.37M523.87M395.75M331.96M-180.18M168.76M235.66M317.56M
Cash-46.25M71.27K31.69M27.09M71.64M41.64M71.20M34.89M61.39M84.79M150.69M139.16M112.68M215.47M239.42M212.02M229.89M138.93M137.04M198.76M
Total Debt-50.58M43.80M41.30M41.43M18.23M17.06M15.88M14.71M13.53M13.53M64.14M162.53M161.64M170.28M160.35M158.74M154.58M149.46M152.34M152.49M
Net Debt-4.33M-71.27K9.61M14.34M-53.41M-24.58M-55.32M-20.18M-47.86M-72.43M-96.51M22.20M47.44M-56.21M-79.07M-53.53M-75.73M-4.30M15.31M-46.27M

Cash Flow

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow30.72M14.47M170.52K38.87M6.45M-7.94M38.65M34.31M107.77M68.92M98.32M65.75M14.31M10.12M149.01M-10.47M-295.39M-173.11M-136.00M243.51M71.03M
Investing Cash Flow-43.78M-55.59M-37.72M-17.77M-3.51M79.92M-68.16M-25.89M-144.15M-91.47M-67.02M-49.76M-7.34M-125.64M-33.98M36.57M251.38M236.84M-2.54M-179.21M620.00K
Financing Cash Flow7.51M39.37M37.62M-46.26M-5.35M-27.42M-499.00K21.15M71.00K49.05M-7.91M49.91M118.62M23.37M-12.10M-11.65M-12.21M-25.39M26.77M-13.84M-1.08M
Capital Expenditure36.00K43.00K49.00K256.00K314.00K384.00K35.00K452.00K1.85M6.35M10.92M3.15M5.24M4.07M21.90M10.85M5.27M3.05M196.00K22.00K155.00K
Free Cash Flow30.68M14.43M170.52K38.61M6.13M-8.33M38.61M33.86M105.92M62.57M87.40M62.60M9.07M6.05M127.12M-21.32M-300.66M-176.16M-136.20M243.49M70.87M
Dividends Paid--18.28M18.23M1.59M529.00K518.00K982.00K1.94M3.34M4.30M4.97M8.99M10.27M10.28M10.31M10.35M2.59M024.10M0
FCF to OCF99.88%99.70%100.00%99.34%95.13%104.83%99.91%98.68%98.28%90.79%88.90%95.21%63.40%59.79%85.31%203.60%101.78%101.76%100.14%99.99%99.78%
Dividend Paid to FCF--10720.99%47.20%25.86%-6.35%1.34%2.90%1.84%5.33%4.92%7.95%99.11%169.72%8.09%-48.37%-3.44%-1.47%0.00%9.90%0.00%

Earnings

Report DateMar 31, 2008Jun 30, 2008Nov 17, 2008May 14, 2009Aug 14, 2009Nov 13, 2009Mar 26, 2010May 13, 2010Aug 10, 2010Nov 11, 2010Mar 18, 2011May 12, 2011Aug 15, 2011Nov 10, 2011Mar 15, 2012May 10, 2012Aug 9, 2012Nov 15, 2012Feb 27, 2013May 1, 2013Aug 5, 2013Oct 30, 2013Feb 19, 2014Apr 30, 2014Jul 29, 2014Oct 29, 2014Feb 18, 2015Apr 29, 2015Aug 3, 2015Oct 28, 2015Feb 17, 2016Apr 27, 2016Aug 2, 2016Nov 1, 2016Feb 20, 2017May 9, 2017Aug 8, 2017Nov 6, 2017Feb 21, 2018May 8, 2018Aug 1, 2018Nov 1, 2018Feb 19, 2019May 7, 2019Jul 31, 2019Oct 30, 2019Feb 20, 2020May 6, 2020Aug 5, 2020Nov 5, 2020Mar 8, 2021May 5, 2021Aug 4, 2021Nov 11, 2021Feb 23, 2022May 9, 2022Aug 8, 2022Nov 9, 2022Mar 2, 2023May 15, 2023Aug 10, 2023Nov 13, 2023Feb 29, 2024May 9, 2024Aug 7, 2024Nov 6, 2024Feb 26, 2025May 8, 2025Aug 6, 2025Nov 5, 2025Feb 20, 2026May 5, 2026Aug 5, 2026Nov 4, 2026
EPS Estimate------------------0.150.260.240.260.280.320.430.370.460.060.450.220.380.160.480.28-0.400.340.28-0.730.490.370.340.160.070.350.07-0.600.320.260.02-1.90-1.29-0.14-0.13-0.330.190.19-0.22-0.85-0.24-0.25-0.20-0.170.210.250.300.350.160.410.380.390.430.440.420.10
EPS Actual0.810.870.750.300.27-0.07-0.12-0.350.02-0.030.270.110.010.350.310.460.290.090.090.270.280.260.450.650.460.410.550.010.250.380.640.140.450.16-0.490.180.17-0.500.630.400.36-0.35-0.020.07-0.08-0.68-0.360.210.20-1.95-1.35-0.45-0.57-0.36-0.02-0.68-1.49-1.34-6.330.710.650.240.390.500.400.540.120.430.540.610.530.390.33-
Surprise-------------------40.00%3.85%16.67%0.00%60.71%103.13%6.98%10.81%19.57%-83.33%-44.44%72.73%68.42%-12.50%-6.25%-42.86%-22.50%-47.06%-39.29%31.51%28.57%8.11%5.88%-318.75%-128.57%-80.00%-214.29%-13.33%-212.50%-19.23%900.00%-2.63%-4.65%-221.43%-338.46%-9.09%-110.53%-457.89%-577.27%-57.65%-2537.50%384.00%425.00%241.18%85.71%100.00%33.33%54.29%-25.00%4.88%42.11%56.41%23.26%-11.36%-21.43%-
Timing-------------------After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap444.33M
Enterprise Value364.70M
Trailing P/E4.65
Forward P/E7.12
PEG Ratio3.06
Price / Sales1.34
Price / Book1.26
EPS2.02
Book Value7.30
Revenue (TTM)330.59M
Gross Profit (TTM)187.19M
EBITDA147.44M
Profit Margin30.31%
Operating Margin37.28%
Return on Equity31.65%
Return on Assets6.90%
Shares Outstanding47.27M
Shares Float22.75M
Beta-0.48
Dividend Yield4.07%
Dividend Rate0.00
Payout Ratio40.32%

Analyst Ratings

Buy
Based on 2 analystsTarget 13.00
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
35.49%
Insiders
50.69%
Retail / Other
13.82%

Top Institutional Holders

  • BlackRock Inc
    1.83M3.87%
  • Tieton Capital Management, LLC
    1.25M2.65%
  • Vanguard Capital Management, LLC
    996.64K2.11%
  • Dimensional Fund Advisors, Inc.
    893.77K1.89%
  • American Century Companies Inc
    848.37K1.79%
  • Punch & Associates Inv Mgmt Inc
    808.71K1.71%
  • Geode Capital Management, LLC
    615.86K1.30%
  • SEI Investments Co
    601.48K1.27%
  • Two Sigma Investments LLC
    591.55K1.25%
  • Renaissance Technologies Corp
    539.26K1.14%
  • State Street Corp
    505.83K1.07%
  • Arrowstreet Capital Limited Partnership
    317.89K0.67%
  • Empowered Funds, LLC
    308.66K0.65%
  • Bridgeway Capital Management, LLC
    288.25K0.61%
  • Vanguard Portfolio Management, LLC
    271.79K0.57%

Top Fund Holders

  • iShares Russell 2000 ETF
    830.56K1.76%
  • Avantis US Small Cap Value ETF
    815.58K1.73%
  • Vanguard MStar Total Stk Mkt Idx Invest
    688.55K1.46%
  • iShares Russell 2000 Value ETF
    274.07K0.58%
  • Fidelity Small Cap Index
    269.42K0.57%

Dividends

20261×
0.75Jan 2, 2026
20251×
0.50Jan 2, 2025
20221×
0.06Mar 8, 2022
20214×
0.06Nov 19, 20210.06Aug 9, 20210.06May 14, 20210.06Mar 1, 2021
20204×
0.06Nov 20, 20200.06Aug 10, 20200.06May 18, 20200.06Mar 3, 2020
20194×
0.06Nov 18, 20190.06Aug 13, 20190.06May 13, 20190.06Mar 5, 2019
20184×
0.06Nov 19, 20180.06Aug 10, 20180.06May 21, 20180.06Mar 6, 2018
20174×
0.06Nov 21, 20170.06Aug 17, 20170.06May 19, 20170.06Mar 6, 2017
20161×
0.06Nov 21, 2016