American Coastal Insurance (NASDAQ:ACIC) Trading Down 4.9% – Should You Sell?

American Coastal Insurance Corporation (NASDAQ:ACIC)’s stock price was down 4.9% on Friday . The company traded as low as $10.46 and last traded at $10.59. Approximately 62,776 shares were traded during mid-day trading, a decline of 72% from the average daily volume of 225,382 shares. The stock had previously closed at $11.13.

Trending Headlines about American Coastal Insurance

Here are the key news stories impacting American Coastal Insurance this week:

• Positive Sentiment: Q4 beat: ACIC reported $0.52 EPS vs. $0.42 expected and revenue of $86.4M vs. $83.4M consensus; strong net margin (25.95%) and ROE (30.06%) underline profitable underwriting and helped drive the outperformance. Earnings Press Release / Slide Deck
• Positive Sentiment: 2026 growth plan: Management is targeting expansion in the excess & surplus (E&S) market while stressing underwriting discipline — a message that supports premium growth without sacrificing margins. Article
• Positive Sentiment: Underwriting leadership bolstered: ACIC appointed Troy Crawford as Chief Underwriting Officer, adding experienced underwriting leadership that could help execute the E&S expansion and preserve loss ratios. Press Release
• Neutral Sentiment: Call materials/transcript available: Management’s full commentary and details (slides and transcript) are published — useful for investors reviewing reserve development, reinsurance placement and E&S strategy execution. Earnings Call Transcript Presentation
• Neutral Sentiment: Analyst commentary: Coverage pieces (e.g., Zacks) review key metrics vs. estimates — handy for benchmarking loss ratio trends, combined ratio, and premium growth but not materially news-driving on their own. Zacks Analysis
• Neutral Sentiment: Short-interest reporting appears inconsistent in public data (entries showing zero/NaN), which may cause temporary confusion but does not reflect a clear change in investor positioning.
• Negative Sentiment: Despite the positive fundamentals and guidance, the stock is trading lower on significantly higher volume (roughly double the recent average), suggesting short-term profit-taking, rotation, or cautious investor response to growth execution risks and valuation. (Review the company’s earnings release and slides for detail.)

Wall Street Analysts Forecast Growth

Several research firms have recently weighed in on ACIC. Wall Street Zen raised shares of American Coastal Insurance from a “hold” rating to a “buy” rating in a report on Saturday, February 7th. Weiss Ratings upgraded shares of American Coastal Insurance from a “hold (c+)” rating to a “buy (b-)” rating in a research note on Wednesday, February 4th. Finally, Oppenheimer began coverage on American Coastal Insurance in a report on Monday, January 12th. They set a “market perform” rating on the stock. One analyst has rated the stock with a Buy rating and one has given a Hold rating to the company’s stock. According to data from MarketBeat.com, the company currently has a consensus rating of “Moderate Buy”.

American Coastal Insurance Stock Down 2.2%

The firm has a market capitalization of $531.00 million, a PE ratio of 5.09, a PEG ratio of 2.44 and a beta of -0.59. The stock’s fifty day simple moving average is $11.59 and its 200 day simple moving average is $11.55.

American Coastal Insurance Announces Dividend

The business also recently announced a dividend, which was paid on Friday, January 9th. Investors of record on Friday, January 2nd were given a dividend of $0.75 per share. The ex-dividend date was Friday, January 2nd.

Institutional Inflows and Outflows

A number of large investors have recently made changes to their positions in ACIC. Russell Investments Group Ltd. increased its holdings in American Coastal Insurance by 4,508.6% in the 2nd quarter. Russell Investments Group Ltd. now owns 2,673 shares of the company’s stock worth $30,000 after acquiring an additional 2,615 shares in the last quarter. Tower Research Capital LLC TRC increased its stake in shares of American Coastal Insurance by 273.0% in the second quarter. Tower Research Capital LLC TRC now owns 4,692 shares of the company’s stock worth $52,000 after purchasing an additional 3,434 shares in the last quarter. Kestra Advisory Services LLC bought a new stake in shares of American Coastal Insurance during the 4th quarter valued at $65,000. State of Alaska Department of Revenue lifted its stake in shares of American Coastal Insurance by 148.5% during the 4th quarter. State of Alaska Department of Revenue now owns 5,168 shares of the company’s stock valued at $65,000 after buying an additional 3,088 shares in the last quarter. Finally, State of Wyoming bought a new position in American Coastal Insurance in the 2nd quarter worth $59,000. 22.11% of the stock is owned by hedge funds and other institutional investors.

American Coastal Insurance Company Profile

American Coastal Insurance Company (NASDAQ:ACIC) is a specialized property and casualty insurer focused on coastal residential and commercial lines across the Southeastern United States. Headquartered in St. Petersburg, Florida, the company underwrites policies designed to address windstorm and non-windstorm perils in areas exposed to hurricane risk. Since its founding in 2007, American Coastal has positioned itself to meet the insurance needs of homeowners, condominium associations, and small business owners operating near coastal zones.

Through a diversified portfolio of personal lines products, American Coastal offers homeowners insurance, dwelling fire, mobile home, condominium unitowners and renters policies.