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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.
Brown Deirdre A reported acquisition or exercise transactions in this Form 4 filing.
AMERICAN COASTAL INSURANCE Corp director Deirdre A. Brown received an equity grant of 5,000 shares of Common Stock on May 26, 2026. The shares were awarded at no cash price as compensation rather than bought on the open market. Following this grant, she directly holds 6,500 shares.
Peed Daniel reported acquisition or exercise transactions in this Form 4 filing.
American Coastal Insurance Corp director and 10% owner Daniel Peed received a grant of 5,000 shares of Common Stock. The award was recorded at a price of $0.00 per share and increased his direct holdings to 1,986,936 shares. He also indirectly holds 11,876,563 shares through Peed FLP1, Ltd., L.L.P., a limited liability partnership wholly owned by him.
Whittemore Kent G reported acquisition or exercise transactions in this Form 4 filing.
AMERICAN COASTAL INSURANCE Corp director Kent G. Whittemore received a grant of 5,000 shares of common stock on May 26, 2026, at no cash cost. After this award, he directly owns 374,267 common shares.
The filing also reports 19,618 shares of common stock held indirectly through his spouse’s IRA as of the same date.
POITEVINT ALEC II reported acquisition or exercise transactions in this Form 4 filing.
American Coastal Insurance Corp director Alec Poitevint II reported a grant of 5,000 shares of common stock as compensation, at a stated price of $0.00 per share. Following this award, his direct holdings increased to 195,000 common shares.
The filing also lists indirect beneficial ownership positions, including 140,000 shares held by his spouse and 36,000 shares held for a dependent grandchild, as of the transaction date. Additional indirect holdings are reported through SEM Minerals, LP and Mineral Associates, Inc., reflecting shares held via these related entities.
Maroney Patrick reported acquisition or exercise transactions in this Form 4 filing.
American Coastal Insurance Corp director Patrick Maroney received a stock grant. On May 26, 2026, he was awarded 5,000 shares of Common Stock at $0.00 per share as compensation, rather than through a market purchase.
After this award, Maroney directly owns 103,500 shares of American Coastal Insurance Common Stock. The grant increases his holdings by about 5%, reflecting additional equity-based compensation and aligning more of his pay with the company’s share performance.