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.
The American Coastal Insurance Corporation (NASDAQ: ACIC) SEC filings page provides access to the company’s regulatory disclosures as a property and casualty insurance holding company. ACIC files periodic and current reports that give detailed insight into its commercial residential property insurance operations in Florida, including the performance of American Coastal Insurance Company (AmCoastal).
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q for information on gross and net premiums, loss and loss adjustment expenses, combined and underlying combined ratios, policy acquisition costs, general and administrative expenses, and reinsurance structures. These filings also expand on topics highlighted in earnings releases, such as quota share reinsurance coverage levels, catastrophe excess-of-loss contracts, reinsurance costs as a percentage of gross earned premium, and book value per share calculations, including measures that exclude accumulated other comprehensive income.
Current reports on Form 8-K document material events, including the release of quarterly earnings and the use of earnings presentations in meetings with investors and analysts. Through these filings, users can trace how American Coastal reconciles non-GAAP measures like core income and core return on equity to the most directly comparable GAAP metrics, as described in its public communications.
On Stock Titan, ACIC filings are updated from the SEC’s EDGAR system and paired with AI-powered summaries that highlight key figures, trends, and disclosures in plain language. Users can quickly identify important sections of lengthy 10-K and 10-Q reports, understand the implications of 8-K announcements, and monitor how changes in reinsurance, capital structure, and underwriting performance are reflected in the company’s official regulatory record.
American Coastal Insurance Corp’s Chief Compliance/Risk Officer James Andy Gray exercised multiple stock-based awards into common shares. On April 3, he converted performance stock units, restricted stock units, and dividend equivalent units into common stock, including a 9,829-share derivative exercise in common stock.
To cover tax obligations, 3,703 common shares were disposed of via share withholding, a non-market transaction, leaving him with 201,720 common shares held directly. He also continues to hold 16,833 performance stock units and 8,418 restricted stock units, which vest over three years based on service and performance conditions.
American Coastal Insurance Corp President & CEO Brad Martz exercised equity awards and settled related taxes using shares. On April 3 2026, he acquired 25,903 shares of common stock through the conversion of performance stock units, restricted stock units, and dividend equivalent units.
To cover tax obligations on this vesting, 10,365 common shares were withheld at $10.97 per share in a tax-withholding disposition. After these compensation-related transactions, Martz directly held 381,481 shares of American Coastal common stock. The actions reflect routine equity award vesting rather than open-market buying or selling.
American Coastal Insurance Corp’s Secretary Brooke Adler exercised equity awards and settled related tax obligations in company stock. On April 3, 2026, Adler exercised performance stock units, restricted stock units, and dividend equivalent units, each converting into an equal number of common shares.
These derivative exercises delivered common stock, including 12,509 shares of common stock reported as acquired in a single transaction. In a separate transaction coded “F,” 3,712 common shares at $10.97 per share were withheld to cover tax liabilities. Following these transactions, Adler directly holds 95,283 shares of American Coastal common stock.
American Coastal Insurance Corp Chief Operating Officer Christopher Griffith exercised several equity awards tied to the company’s common stock. He converted performance stock units, restricted stock units, and dividend equivalent units into common shares, including an exercise of 14,294 shares of common stock.
To cover tax obligations on these awards, 4,241 common shares were withheld in a tax-withholding transaction, rather than sold in the open market. After these transactions, Griffith directly owns 113,075 shares of American Coastal common stock. The awards vest over three years, with payouts linked to performance and dividend equivalents vesting in step with the underlying units.
American Coastal Insurance Corp’s Chief Financial Officer Svetlana Castle exercised and converted several equity awards into common stock on April 3, 2026. She acquired shares through performance stock units, restricted stock units, and dividend equivalent units, then used a portion of the resulting stock to cover taxes.
Castle exercised or converted a total of 7,371 stock units into common stock at a stated exercise price of $0.00 per share, and 9,829 shares of common stock are shown as acquired in a related non-derivative entry. To satisfy tax obligations, 3,934 common shares were withheld in a tax-withholding disposition at $10.97 per share. After these transactions, she directly holds 11,096 shares of common stock, indicating a routine compensation-related vesting and tax-settlement event rather than an open-market trade.
American Coastal Insurance Corporation is holding its 2026 annual stockholder meeting virtually on May 26, 2026, at 1:00 p.m. Eastern via live webcast. Stockholders of record on March 27, 2026, may vote online, by phone or by mail.
Stockholders are asked to elect five Class B directors, including new nominee Deirdre A. Brown, and to ratify Deloitte & Touche LLP as independent auditor for 2026. The Board is majority independent, operates through audit, compensation, nominating and investment committees, and uses majority voting in uncontested director elections.
The proxy details strong 2025 results, including net revenues from continuing operations of $335.4 million and income from continuing operations of $106.8 million, with a 60.1% combined ratio and 36.2% return on average equity. Executive pay is heavily performance-based, using an Annual Incentive Plan and long-term equity awards tied to return on equity versus a peer group.
American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of company stock for family accounts. On March 20, 2026, he bought 100 shares of Common Stock at $11.05 per share in an account held by his first child and another 100 shares at the same price in an account held by his second child, both reported as indirect ownership. After these transactions, each child’s account held 4,626 shares, while Davis directly owned 299,564 shares of Common Stock, making these family purchases modest relative to his overall position.
American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of common stock held for family members. On March 18–19, he bought a total of 800 shares indirectly, in four 200-share trades, at prices between $11.12 and $11.25 per share for accounts labeled “First Child” and “Second Child.” Following these trades, indirect holdings shown total 4,526 shares, while a separate direct holding entry lists 299,564 shares, indicating these buys are modest relative to his overall reported position.
American Coastal Insurance Corp director Michael Kern Davis reported open-market purchases of a total of 1,400 shares of Common Stock of ACIC on March 4, 2026 at $11.71 per share. The shares are held in accounts in the names of his children, over which he has trading authority and may be deemed to have indirect beneficial ownership.
Following these transactions, Davis' indirect holdings in these child accounts were 4,126 shares, and a separate entry shows he directly held 299,564 shares of Common Stock. These transactions reflect additional indirect exposure rather than a reduction in his overall position.