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ACIC (ACIC) CFO granted options, performance and restricted stock units

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Form Type
4

Rhea-AI Filing Summary

AMERICAN COASTAL INSURANCE Corp Chief Financial Officer Svetlana Castle received multiple equity awards as part of her compensation. On May 12, 2026, she was granted 9,619 nonqualified stock options with an exercise price of $10.59 per share, bringing her option holdings to 26,711 options. She also received 14,400 performance stock units and 7,200 restricted stock units, increasing her respective positions to 27,095 performance stock units and 13,549 restricted stock units, all directly owned.

The options and restricted stock units vest over three years, with one-third vesting in each period. The performance stock units also vest over three years, and the actual common shares delivered can range from 0% to 150% of the 14,400 units based on specified performance factors.

Positive

  • None.

Negative

  • None.

Insights

Routine multi-year equity grants to CFO, tied to service and performance.

The Chief Financial Officer of AMERICAN COASTAL INSURANCE Corp received nonqualified stock options, performance stock units, and restricted stock units on May 12, 2026. These awards are labeled as grants or awards, indicating compensation rather than open-market buying or selling.

The 9,619 options at an exercise price of $10.59 per share and 7,200 restricted stock units vest in equal thirds over three years. The 14,400 performance stock units also vest over three years, with payout ranging from 0% to 150% of target based on performance factors, aligning part of compensation with company results.

Following these awards, the filing shows direct holdings of 26,711 options, 27,095 performance stock units, and 13,549 restricted stock units. These are standard equity incentives intended to retain the executive and connect compensation to long-term share value and operational performance.

Insider Castle Svetlana
Role Chief Financial Officer
Type Security Shares Price Value
Grant/Award Restricted Stock Units 7,200 $0.00 --
Grant/Award Performance Stock Units 14,400 $0.00 --
Grant/Award Nonqualified Stock Options 9,619 $0.00 --
Holdings After Transaction: Restricted Stock Units — 13,549 shares (Direct, null); Performance Stock Units — 27,095 shares (Direct, null); Nonqualified Stock Options — 26,711 shares (Direct, null)
Footnotes (1)
  1. Each stock unit represents a conditional right to receive one share of the company's common stock. The restricted stock units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period. The performance units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period. The number of shares of common stock that will be delivered for each performance stock unit depends on the achievement of certain performance factors. Depending on actual performance, the number of shares of common stock delivered upon the vesting date (based on the terms outlined in the respective award agreement) can range from 0% to 150% of the number presented above. Exercise of the nonqualified award is subject to vesting over three years with one third, rounded down to the nearest whole share of stock, becoming exercisable in each period.
Nonqualified stock options granted 9,619 options Grant on May 12, 2026 at $10.59 exercise price
Option exercise price $10.59 per share Nonqualified stock options granted May 12, 2026
Performance stock units granted 14,400 units Grant on May 12, 2026; payout 0–150% of target
Restricted stock units granted 7,200 units Grant on May 12, 2026; three-year vesting
Options held after grant 26,711 options Total nonqualified stock options directly owned after transaction
Performance units held after grant 27,095 units Total performance stock units directly owned after transaction
Restricted units held after grant 13,549 units Total restricted stock units directly owned after transaction
Performance payout range 0%–150% of target Shares delivered per performance stock unit based on performance
Nonqualified Stock Options financial
"security_title: Nonqualified Stock Options"
A nonqualified stock option is a company-issued right that lets an employee or contractor buy shares later at a preset price, like a coupon to purchase stock regardless of the market price. It matters to investors because when the option is used the recipient owes ordinary-income tax on the difference between market and preset price, which affects the holder’s financial decisions and can change the company’s share count and reported expenses.
Performance Stock Units financial
"security_title: Performance Stock Units"
Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.
Restricted Stock Units financial
"security_title: Restricted Stock Units"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
vesting over three years financial
"are subject to vesting over three years with one third vesting"
performance factors financial
"depends on the achievement of certain performance factors"
exercise price financial
"conversion_or_exercise_price: 10.5900"
The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.
Form 4 Insider Transactions: What Each Field Means →
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Castle Svetlana
(Last)(First)(Middle)
570 CARILLON PARKWAY, SUITE 100
(Street)
SAINT PETERSBURG FLORIDA 33716
(City)(State)(Zip)
UNITED STATES
(Country)		2. Issuer Name and Ticker or Trading Symbol
AMERICAN COASTAL INSURANCE Corp [ ACIC ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Financial Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/12/2026		6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(1)05/12/2026A7,200 (2) (2)Common Stock7,200$0.0013,549D
Performance Stock Units(1)05/12/2026A14,400 (3) (4)Common Stock14,400$0.0027,095D
Nonqualified Stock Options$10.5905/12/2026A9,619 (5)05/12/2036Common Stock9,619$0.0026,711D
Explanation of Responses:
1. Each stock unit represents a conditional right to receive one share of the company's common stock.
2. The restricted stock units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.
3. The performance units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.
4. The number of shares of common stock that will be delivered for each performance stock unit depends on the achievement of certain performance factors. Depending on actual performance, the number of shares of common stock delivered upon the vesting date (based on the terms outlined in the respective award agreement) can range from 0% to 150% of the number presented above.
5. Exercise of the nonqualified award is subject to vesting over three years with one third, rounded down to the nearest whole share of stock, becoming exercisable in each period.
/s/ Alexander Baty, Attorney-in-Fact for Svetlana Castle05/14/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What equity awards did ACIC CFO Svetlana Castle receive in this Form 4?

The ACIC CFO received 9,619 nonqualified stock options, 14,400 performance stock units, and 7,200 restricted stock units. All awards were granted on May 12, 2026 as compensation, with each unit tied to one share of common stock.

What is the exercise price and term of Svetlana Castle’s new ACIC stock options?

The CFO’s new nonqualified stock options cover 9,619 shares at an exercise price of $10.59 per share. These options are subject to a three-year vesting schedule and expire on May 12, 2036, if not exercised according to the award’s terms.

How do the ACIC performance stock units for the CFO vest and pay out?

The 14,400 performance stock units vest over three years, with one-third vesting in each period. Actual shares delivered depend on performance factors, ranging from 0% to 150% of the target amount, based on the applicable award agreement metrics.

What are the vesting terms of Svetlana Castle’s restricted stock units at ACIC?

The 7,200 restricted stock units vest over three years, with one-third, rounded down to the nearest whole share, vesting in each period. Each vested restricted stock unit entitles the holder to receive one share of American Coastal Insurance common stock.

How many derivative awards does the ACIC CFO hold after these grants?

After these grants, the CFO holds 26,711 nonqualified stock options, 27,095 performance stock units, and 13,549 restricted stock units. All positions are reported as directly owned and each unit or option relates to one underlying share of common stock.