STOCK TITAN

[Form 4] AMERICAN COASTAL INSURANCE Corp Insider Trading Activity

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

AMERICAN COASTAL INSURANCE Corp President & CEO Brad Martz received new equity awards as part of his compensation. He was granted 34,298 nonqualified stock options with an exercise price of $10.59 per share, along with performance and restricted stock units tied to the company’s common stock.

The grants include 51,346 performance stock units and 25,673 restricted stock units, each representing a right to receive one share if conditions are met. All three awards vest over three years in roughly equal annual installments, and the performance units can pay out between 0% and 150% of the stated amount based on performance.

Positive

  • None.

Negative

  • None.
Insider MARTZ BRAD
Role President & CEO
Type Security Shares Price Value
Grant/Award Restricted Stock Units 25,673 $0.00 --
Grant/Award Performance Stock Units 51,346 $0.00 --
Grant/Award Nonqualified Stock Options 34,298 $0.00 --
Holdings After Transaction: Restricted Stock Units — 46,548 shares (Direct, null); Performance Stock Units — 93,091 shares (Direct, null); Nonqualified Stock Options — 483,325 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 34,298 options Grant on 2026-05-12 to President & CEO
Option exercise price $10.59 per share Nonqualified stock options
Performance stock units granted 51,346 units Grant on 2026-05-12, 3-year vesting
Restricted stock units granted 25,673 units Grant on 2026-05-12, 3-year vesting
PSU payout range 0%–150% of units Delivered shares depend on performance factors
Options after transaction 483,325 options Nonqualified stock options held directly after grant
PSUs after transaction 93,091 units Performance stock units held directly after grant
RSUs after transaction 46,548 units Restricted stock units held directly after grant
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 financial
"subject to vesting over three years with one third vesting in each period"
Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.
performance factors financial
"depends on the achievement of certain performance factors"
exercise price financial
"Exercise of the nonqualified award is subject to vesting over three years"
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.
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*
MARTZ BRAD

(Last)(First)(Middle)
570 CARILLON PARKWAY, SUITE 100

(Street)
ST. 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)
President & CEO
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)05/12/2026A25,673 (2) (2)Common Stock25,673$0.0046,548D
Performance Stock Units(1)05/12/2026A51,346 (3) (4)Common Stock51,346$0.0093,091D
Nonqualified Stock Options$10.5905/12/2026A34,298 (5)05/12/2036Common Stock34,298$0.00483,325D
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 Brad Martz05/14/2026
** 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)