Welcome to our dedicated page for American Coastal Insurance SEC filings (Ticker: ACIC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Struggling to pinpoint hurricane loss reserves, reinsurance costs, or executive payouts inside American Coastal Insurance Corp’s dense disclosures? Property-and-casualty filings can stretch past 200 pages, and footnotes on catastrophe exposure often hide in technical language.
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American Coastal Insurance Corporation reporting persons R. Daniel Peed and Peed FLP1, Ltd., L.L.P. beneficially own a combined 16,800,173 common shares, representing approximately 34.5% of the 48,746,722 shares outstanding. Mr. Peed directly holds 1,981,936 shares (~4.1%) and Peed FLP1 directly holds 11,876,563 shares (~24.4%), over which Mr. Peed shares voting and dispositive power. Mr. Peed also holds a voting proxy for 2,941,674 shares owned by Leah Anneberg Peed (~6.0%), increasing his ability to vote a larger block. This amendment updates prior Schedule 13D disclosures to reflect sales by Leah Anneberg Peed and clarifies ownership and voting arrangements.
Leah Anneberg Peed reports beneficial ownership of 2,941,674 shares of American Coastal Insurance Corp, equal to 6.0% of the class. The filing discloses that Ms. Peed has sole dispositive power over these shares but no sole voting power; a voting proxy dated August 2016 grants voting authority for her shares to R. Daniel Peed. The statement affirms the shares were not acquired to change or influence control of the issuer.
The filing is a routine Schedule 13G/A disclosure that quantifies a meaningful minority stake above the 5% reporting threshold and clarifies voting and disposition rights, providing transparency about who can direct votes and who controls sales of the position.
Q2 2025 highlights (continuing ops): net premiums earned rose 24 % YoY to $78.4 m; total revenue +26 % to $86.5 m. Expense growth held to 13 %, lifting pre-tax income 51 % to $37.6 m and net income 39 % to $26.4 m. Diluted EPS increased to $0.53 from $0.39. For H1, EPS is $0.96 (+10 %).
Margin & cost trends: Loss-ratio improved to 19.8 % (24.1 % prior) while G&A fell 35 % on lower legal/audit spend; policy acquisition costs jumped 74 % due to commission mix and one-off employee-tax-credit refunds.
Balance sheet: Cash & equivalents more than doubled to $407 m; unpaid losses fell 32 % to $219 m after the 1 Apr 2025 divestiture of Interboro Insurance. Stockholders’ equity climbed 24 % to $292 m, shrinking the retained-earnings deficit by $48 m.
Liquidity & capital: Operating cash flow was $154 m (-38 % YoY) but net cash rose $185 m from investment run-off and the Interboro proceeds. Core catastrophe reinsurance now gives $1.33 bn first-event cover with a $29.8 m retention; a new $40 m aggregate layer limits 2025 frequency risk.
Strategic focus: With discontinued personal-lines operations sold, ACIC now reports a single Florida commercial-residential segment supported by quota-share and captive reinsurance structures.
American Coastal Insurance Corporation (ACIC) filed a Form 8-K dated August 6, 2025 disclosing that it has furnished an earnings release and an earnings presentation for the second quarter ended June 30, 2025, attached as Exhibit 99.1 and Exhibit 99.2. The filing includes the companys Delaware incorporation, Nasdaq listing (ACIC), principal executive office in St. Petersburg, Florida, and a contact phone number.
The filing states the materials are furnished, not filed, and that executive officers intend to use them in investor and analyst meetings beginning August 6, 2025. The 8-K does not include any financial metrics, guidance, or earnings figures in its text and is signed by B. Bradford Martz, President & Chief Executive Officer.
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