American Coastal Insurance Corporation (ACIC) reported third-quarter 2026 net income of $19.4 million, down 40.3% from $32.5 million a year earlier, and diluted EPS of $0.40 versus $0.65. Total revenue fell 21.8% to $70.7 million, while net premiums earned declined 19.0% to $65.5 million as gross premiums earned fell 14.9% amid a 25.6% decrease in net pricing. Gross premiums written rose 3.2% to $74.1 million.
The combined ratio was 64.7%, versus 56.9% a year earlier; the underlying combined ratio, excluding current-year catastrophe losses and prior-year reserve development, was 68.4% versus 57.8%. Cash, cash equivalents, restricted cash and investment holdings totaled $707.9 million at September 30, 2026. Book value per share was $7.52, up 15.5% since December 31, 2025.
The company said its AmRisc agreement became perpetual and that participation in AmRisc’s nationwide E&S commercial property portfolio added $37.3 million of premium year to date. ACES Specialty received an Arizona certificate of authority; the company intends to begin writing business on or about December 1, 2026. The presentation expects the ACES and Skyway platform to produce $70 million to $80 million in written premium annually.
American Coastal Insurance Corporation (ACIC) announced that Christopher Griffith resigned as Chief Operating Officer and Chief Information Officer, effective October 1, 2026, to pursue another opportunity.
AMERICAN COASTAL INSURANCE Corp (ACIC) Secretary Adler Brooke sold 21,196 shares of common stock on September 24, 2026, at $9.06 per share. The reported direct holdings after the sale were 100,175 shares. No Rule 10b5-1 plan is reported.
American Coastal Insurance Corp (ACIC) reported that President & CEO Brad Martz disclosed a purchase by Bennett B. Martz IRA of 10,000 common shares on September 22, 2026, at $9.15 per share. The reported position following the transaction was 444,611 shares. No Rule 10b5-1 plan is reported.
AMERICAN COASTAL INSURANCE Corp (ACIC) reports a proposed sale by its director, Brooke Adler, of 21,196 common shares, with an aggregate market value of $193,519.48 and an approximate sale date of September 24, 2026. Charles Schwab & Co. is listed as the broker. The shares are identified as restricted stock unit acquisitions from the issuer: 14,820 shares dated May 14, 2024, and 6,376 shares dated May 27, 2024.
AMERICAN COASTAL INSURANCE Corp (ACIC) Chief Operating Officer Christopher Griffith reported an option exercise and related stock sales. He exercised 19,672 nonqualified stock options at an exercise price of $4.33 per share for 19,672 common shares, then sold 41,672 common shares in total at prices of $9.40–$9.41 per share. The exercised option award was subject to vesting over three years. The filing indicates these transactions were not made pursuant to a Rule 10b5-1 trading plan.
American Coastal Insurance Corporation, a Florida-focused commercial residential property insurer, reported Q2 2026 net income of 21,896 and six‑month net income of 41,150 (amounts in thousands). Diluted EPS was 0.44 for the quarter and 0.83 year‑to‑date, compared with 0.53 and 0.96 in the prior‑year periods.
Total revenue was 82,597 in Q2 and 153,821 for the first half, with net premiums earned of 69,698 and 135,309. Investment results contributed net investment income of 10,481 and net realized gains of 3,270 year‑to‑date, plus 4,761 of net unrealized gains on equity securities.
Total assets rose to 1,243,794 and stockholders’ equity to 340,788 at June 30, 2026, supported by 317,223 of cash, cash equivalents and restricted cash. Operating activities generated 52,760 of cash in the first half, while 19,441 of treasury share repurchases and 36,574 of dividends reduced financing cash flow.
The AmCoastal subsidiary manages catastrophe exposure with a core reinsurance program providing occurrence coverage up to approximately 1,680,000,000 for a first event, plus aggregate and all‑other‑perils protections. AmCoastal reported statutory net income of 24,389 for the first half of 2026 and surplus as regards policyholders of 257,384, while meeting regulatory capital requirements.
American Coastal Insurance Corporation reported Q2 2026 net income of $21.9 million, or $0.44 per diluted share, down from $26.4 million, or $0.53, in Q2 2025. Total revenue slipped to $82.6 million as gross premiums earned fell 16.2% and net premiums earned declined 11.1%, reflecting a 24% decrease in net pricing in a softening market.
Underwriting remained profitable, with a combined ratio of 74.3% and an underlying combined ratio of 68.7%, though both worsened year over year due to higher catastrophe losses and less favorable prior-year development. Core income dropped to $16.5 million, or $0.33 per diluted share, and core return on equity was 20.0%.
Capital metrics strengthened. Book value per share rose to $7.21, a 20.2% increase from $6.00 a year earlier, and underlying book value per share reached $7.39. Cash, cash equivalents, restricted cash and investments totaled $650.0 million, while reinsurance costs as a percentage of gross earned premium improved to a 49.8% ceding ratio from 52.6%.
American Coastal Insurance Corp Chief Underwriting Officer Troy J. Crawford reported a tax-withholding disposition of 478 shares of Common Stock on July 15, 2026, at $10.13 per share. The shares were surrendered to cover tax obligations, and he now directly owns 12,107 shares of ACIC common stock.
American Coastal Insurance Corporation reported voting results from its 2026 annual stockholder meeting. Stockholders representing 42,734,499 shares of common stock were present or represented by proxy, out of 48,342,811 shares outstanding and entitled to vote as of March 27, 2026.
All five nominated Class B directors — Alec L. Poitevint II, Kern M. Davis, M.D., William H. Hood III, Patrick F. Maroney, and Deirdre A. Brown — were elected to two-year terms ending at the 2028 annual meeting. Stockholders also ratified Deloitte & Touche LLP as the company’s independent registered public accounting firm for the fiscal year ended December 31, 2026.