American Coastal (ACIC) 8-K: Aug 6, 2025 Earnings Materials Furnished

Rhea-AI Filing Summary

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.

Positive

• Company furnished Q2 2025 earnings release and presentation (Exhibits 99.1 and 99.2), supporting investor transparency
• Disclosure includes Reg FD notice and Section 18 caveat, clarifying the legal status of the materials

Negative

• No financial metrics or guidance are included in the 8-K text; investors must access the attached exhibits for substantive numbers

Insights

Financial Analyst

TL;DR: 8-K furnishes Q2 2025 earnings materials but contains no metrics, so immediate valuation impact is limited.

The filing communicates that the company has furnished an earnings release and presentation for the quarter ended June 30, 2025 (Exhibits 99.1 and 99.2) and will use these materials in investor meetings beginning August 6, 2025. The disclosure is explicit that the materials are "furnished, not filed," which limits incorporation by reference. Because the 8-K text contains no revenue, EPS, or guidance figures, investors must review the attached exhibits for material financial information.

Corporate Governance Expert

TL;DR: Routine Regulation FD/8-K disclosure of investor materials; procedural compliance noted, no new governance issues raised.

The Form 8-K includes Item 2.02 and Item 7.01 disclosures and specifies that executive officers will use the furnished materials in meetings with investors and analysts beginning August 6, 2025. The filing also clarifies that the exhibits are furnished rather than filed for Section 18 purposes. The document is signed by the CEO, consistent with standard SEC signature requirements. No departures from routine disclosure practices are evident in the text provided.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 06, 2025

American Coastal Insurance Corporation

(Exact name of Registrant as Specified in Its Charter)

Delaware			001-35761	75-3241967
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
570 Carillon Parkway, Suite 100
St. Petersburg, Florida				33716
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (727) 633-0851

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $0.0001 par value per share		ACIC		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On August 6, 2025, American Coastal Insurance Corporation (the Company, we, our) issued a press release relating to our earnings for the second quarter ended June 30, 2025 (the Earnings Release). We have attached a copy of the Earnings Release as Exhibit 99.1.

Item 7.01 Regulation FD Disclosure.

The executive officers of the Company intend to use the materials filed herewith, in whole or in part, in one or more meetings with investors and analysts, beginning on August 6, 2025. A copy of the Earnings presentation is attached hereto as Exhibit 99.2.

The information furnished under this Item 2.02 and 7.01, including Exhibit 99.1 and Exhibit 99.2 attached hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference to such filing.

Item 9.01 Financial Statements and Exhibits.

Exhibit No.		Description
99.1		Earnings release issued by the Company on August 6, 2025
99.2		Earnings presentation issued by the Company on August 6, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			AMERICAN COASTAL INSURANCE CORPORATION
Date:	August 6, 2025	By:	/s/ B. Bradford Martz
			B. Bradford Martz, President & Chief Executive Officer

FAQ

When did American Coastal (ACIC) report this event?

The Form 8-K is dated and filed on August 6, 2025.

What materials did ACIC furnish on August 6, 2025?

The company furnished an earnings release (Exhibit 99.1) and an earnings presentation (Exhibit 99.2) related to Q2 2025.

Which period do the furnished earnings materials cover?

They relate to the second quarter ended June 30, 2025.

Are the furnished materials considered "filed" with the SEC?

No; the 8-K explicitly states the materials are furnished, not filed for purposes of Section 18 of the Exchange Act.

Will ACIC executives use these materials with investors?

Yes; executive officers intend to use the materials in meetings with investors and analysts beginning August 6, 2025.

Who signed the Form 8-K for ACIC?

The Form 8-K is signed by B. Bradford Martz, President & Chief Executive Officer, dated August 6, 2025.