Jun 2026 (Q2 FY26) — Aug 5, 2026
American Coastal Insurance Corporation Q2 FY26 — Strong Underwriting Amidst Softening Market
Read the full callAmerican Coastal Insurance (ACIC) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
American Coastal Insurance earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 82.6 | −4.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 34.5 | −7.4 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 21.9 | −17.2% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$11.16 +0.54% · +$0.06
Performance −5.3% 1Y
1Y: $11.79 on 17 Oct 2025 → $11.16. High $13.03 (18 Dec 2025), low $9.04 (30 Sept 2026).
- Previous close
- $11.1
- 52-week range
- $9.04 – $13.03
- One year
- −5.66%
Overview
- Symbol
- ACIC
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
American Coastal Insurance earnings calls (ACIC)
Financials
What the filings say
Net profit, year on year: −17% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 82 | 79 | 72 | 86 | 90 | 86 | 71 | 83 |
| Expenses | 46 | 70 | 47 | 50 | 49 | 49 | 46 | 54 |
| Operating profit | 36 | 9 | 25 | 36 | 42 | 37 | 26 | 28 |
| Operating margin | 43.9% | 11.2% | 34.8% | 41.8% | 46.1% | 43.1% | 35.9% | 34.5% |
| Interest | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 2 |
| Profit before tax | 37 | 9 | 26 | 38 | 42 | 37 | 26 | 28 |
| Tax rate | 24.2% | 34.0% | 24.8% | 25.3% | 23.3% | 27.5% | 25.2% | 22.9% |
| Net profit | 28 | 5 | 21 | 26 | 32 | 27 | 19 | 22 |
| EPS ($ per share) | 0.59 | — | 0.44 | 0.55 | 0.67 | — | 0.40 | 0.46 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 141 | 100 | -7 | -75 | -546 | -237 | -185 | -115 |
| Total liabilities | 1,781 | 1,943 | 2,431 | 2,367 | 3,020 | 894 | 980 | 755 |
| Fixed assets | 17 | 33 | 34 | 32 | 5 | 4 | 6 | 1 |
| Total assets | 2,321 | 2,467 | 2,849 | 2,699 | 2,837 | 1,062 | 1,216 | 1,073 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 26 | 149 | -10 | -295 | -173 | -136 | 244 | 71 |
| Cash from investing | -126 | -34 | 37 | 251 | 237 | -3 | -179 | 1 |
| Cash from financing | 8 | -12 | -12 | -12 | -25 | 27 | -14 | -1 |
| Capital expenditure | -4 | -22 | -11 | -5 | -3 | -0 | -0 | -0 |
| Free cash flow | 22 | 127 | -21 | -301 | -176 | -136 | 243 | 71 |
Insider filings
52 filings between Nov 10, 2025 and Sep 24, 2026.
Open market
decisions to buy or sellPurchases
$154.5K
10 purchases by 3 insiders
Sales
$802.3K
4 sales by 2 insiders
Compensation
not trading decisions- 9
- Award — granted as compensation
- 14
- Option exercise — converted options into shares
- 14
- Tax withheld — shares kept back by the company to cover tax
Also filed: 1 gift.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Griffith Christopher | — | $610.2K | Aug 17, 2026 |
| Adler Brooke | — | $192.0K | Sep 24, 2026 |
| MARTZ BRAD | $91.5K | — | Sep 22, 2026 |
| Crawford Troy J | $35.5K | — | Feb 23, 2026 |
| DAVIS KERN MICHAEL | $27.5K | — | Mar 20, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 24, 2026 | Adler Brooke Secretary | Sale | 21,196 | $192.0K |
| Sep 22, 2026 | MARTZ BRAD President & CEO | Purchase | 10,000 | $91.5K |
| Aug 17, 2026 | Griffith Christopher Chief Operating Officer | Option exercise | 19,672 | $85.2K |
| Aug 17, 2026 | Griffith Christopher Chief Operating Officer | Sale | 19,672 | $185.1K |
| Aug 17, 2026 | Griffith Christopher Chief Operating Officer | Sale | 22,000 | $206.8K |
| Jul 15, 2026 | Crawford Troy J Chief Underwriting Officer | Tax withheld | 478 | $4.8K |
| May 26, 2026 | Whittemore Kent G Director | Award | 5,000 | $0 |
| May 26, 2026 | Maroney Patrick Director | Award | 5,000 | $0 |
| May 26, 2026 | Peed Daniel Director | Award | 5,000 | $0 |
| May 26, 2026 | DAVIS KERN MICHAEL Director | Award | 5,000 | $0 |
| May 26, 2026 | Brown Deirdre A Director | Award | 5,000 | $0 |
| May 26, 2026 | Branch Gregory C Director | Award | 5,000 | $0 |
| May 26, 2026 | Hogan Michael Director | Award | 5,000 | $0 |
| May 26, 2026 | POITEVINT ALEC II Director | Award | 5,000 | $0 |
| May 26, 2026 | HOOD III WILLIAM H. Director | Award | 5,000 | $0 |
| May 7, 2026 | MARTZ BRAD President & CEO | Option exercise | 32,093 | $0 |
| May 7, 2026 | MARTZ BRAD President & CEO | Tax withheld | 12,838 | $139.3K |
| May 7, 2026 | Gray James Andy Chief Compliance/Risk Officer | Option exercise | 8,826 | $0 |
| May 7, 2026 | Castle Svetlana Chief Financial Officer | Option exercise | 8,826 | $0 |
| May 7, 2026 | Adler Brooke Secretary | Tax withheld | 2,737 | $29.7K |
| May 7, 2026 | Adler Brooke Secretary | Option exercise | 11,234 | $0 |
| May 7, 2026 | Gray James Andy Chief Compliance/Risk Officer | Tax withheld | 3,042 | $33.0K |
| May 7, 2026 | Castle Svetlana Chief Financial Officer | Tax withheld | 3,532 | $38.3K |
| May 7, 2026 | Griffith Christopher Chief Operating Officer | Option exercise | 12,838 | $0 |
| May 7, 2026 | Griffith Christopher Chief Operating Officer | Tax withheld | 4,751 | $51.5K |
| May 4, 2026 | MARTZ BRAD President & CEO | Tax withheld | 22,589 | $263.2K |
| May 4, 2026 | Adler Brooke Secretary | Tax withheld | 5,935 | $69.1K |
| May 4, 2026 | MARTZ BRAD President & CEO | Option exercise | 56,464 | $0 |
| May 4, 2026 | Griffith Christopher Chief Operating Officer | Tax withheld | 11,495 | $133.9K |
| May 4, 2026 | Adler Brooke Secretary | Option exercise | 23,526 | $0 |
| May 4, 2026 | Griffith Christopher Chief Operating Officer | Option exercise | 31,057 | $0 |
| Apr 3, 2026 | MARTZ BRAD President & CEO | Tax withheld | 10,365 | $113.7K |
| Apr 3, 2026 | Griffith Christopher Chief Operating Officer | Option exercise | 14,294 | $0 |
| Apr 3, 2026 | MARTZ BRAD President & CEO | Option exercise | 25,903 | $0 |
| Apr 3, 2026 | Gray James Andy Chief Compliance/Risk Officer | Tax withheld | 3,703 | $40.6K |
| Apr 3, 2026 | Gray James Andy Chief Compliance/Risk Officer | Option exercise | 9,829 | $0 |
| Apr 3, 2026 | Castle Svetlana Chief Financial Officer | Tax withheld | 3,934 | $43.2K |
| Apr 3, 2026 | Castle Svetlana Chief Financial Officer | Option exercise | 9,829 | $0 |
| Apr 3, 2026 | Adler Brooke Secretary | Tax withheld | 3,712 | $40.7K |
| Apr 3, 2026 | Adler Brooke Secretary | Option exercise | 12,509 | $0 |
| Apr 3, 2026 | Griffith Christopher Chief Operating Officer | Tax withheld | 4,241 | $46.5K |
| Mar 20, 2026 | DAVIS KERN MICHAEL Director | Purchase | 100 | $1.1K |
| Mar 20, 2026 | DAVIS KERN MICHAEL Director | Purchase | 100 | $1.1K |
| Mar 19, 2026 | DAVIS KERN MICHAEL Director | Purchase | 200 | $2.2K |
| Mar 19, 2026 | DAVIS KERN MICHAEL Director | Purchase | 200 | $2.2K |
| Mar 18, 2026 | DAVIS KERN MICHAEL Director | Purchase | 200 | $2.3K |
| Mar 18, 2026 | DAVIS KERN MICHAEL Director | Purchase | 200 | $2.2K |
| Mar 4, 2026 | DAVIS KERN MICHAEL Director | Purchase | 700 | $8.2K |
| Mar 4, 2026 | DAVIS KERN MICHAEL Director | Purchase | 700 | $8.2K |
| Feb 23, 2026 | Crawford Troy J Chief Underwriting Officer | Purchase | 3,200 | $35.5K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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