Every 10-Q that American Coastal Insurance (ACIC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ACIC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ACIC filings page.
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 Q1 2026 net income of $19.3 million, slightly below $21.3 million a year earlier, as total revenue held essentially flat at $71.2 million versus $72.2 million.
Net premiums earned edged down to $65.6 million, but losses and loss adjustment expenses fell to $10.2 million, supporting profitability. Diluted earnings per share were $0.39 compared with $0.43 in Q1 2025. Operating cash flow swung to an outflow of $5.7 million, driven largely by shifts in reinsurance payables and loss payments.
Cash, cash equivalents and restricted cash totaled $238.9 million, down from $292.9 million at year-end, reflecting a $36.6 million common dividend and $5.0 million of share repurchases. Stockholders’ equity increased to $331.7 million, helped by earnings, while Florida-domiciled AmCoastal generated statutory net income of $20.3 million and surplus of $336.0 million, remaining above regulatory capital requirements.
American Coastal Insurance Corporation (ACIC) reported stronger Q3 results. Net income from continuing operations was $32.5 million, up from $27.7 million a year ago, as net premiums earned rose to $80.8 million and investment gains supported total revenue of $90.4 million. Diluted EPS from continuing operations was $0.65 versus $0.56 last year.
Year to date, net income reached $80.3 million (vs. $70.8 million), with cash, cash equivalents and restricted cash increasing to $359.1 million from $199.4 million at year-end. Stockholders’ equity improved to $327.2 million from $235.7 million, while unpaid losses and LAE declined to $188.7 million from $322.1 million. Shares outstanding were 48,765,302 as of November 3, 2025.
The company completed the sale of Interboro Insurance Company on April 1, 2025, receiving $25.679 million in cash and recording a $247,000 loss on disposal. ACIC’s reinsurance program includes occurrence coverage up to approximately $1.33 billion for a first event and aggregate protection of $1.676 billion, with a first-event GAAP retention of $29.75 million, plus a $40 million catastrophe aggregate layer effective in 2025.
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.