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AMERICAN COASTAL INSURANCE Corp Secretary Brooke Adler reported compensation-related stock transactions, not open-market trading. On May 4, 2026, she exercised multiple equity awards, including performance stock units, restricted stock units and related dividend equivalent units, converting them into shares of common stock at a stated exercise price of $0.00 per share.
A separate transaction shows 5,935 shares of common stock disposed of at $11.65 per share as a tax-withholding disposition, meaning shares were withheld to satisfy tax obligations rather than sold in the open market. Adler continues to hold a direct ownership stake after these transactions.
American Coastal Insurance Corporation reported solid profitability for the first quarter ended March 31, 2026, while navigating a softer commercial property market. Net income from continuing operations was $19.3 million, compared with $19.7 million a year earlier, and diluted earnings per share from continuing operations were $0.39 versus $0.40.
Total revenue was $71.2 million, down slightly from $72.2 million, as gross premiums written fell to $149.4 million from $197.9 million, a 24.5% decline driven by increased competition and lower pricing. Despite this, the combined ratio remained favorable at 66.0%, with an underlying combined ratio of 68.3%, both broadly consistent with last year.
Core income was $19.3 million, or $0.39 per diluted share, down from $20.7 million, or $0.42, reflecting lower premiums and the absence of prior-year discontinued operations. Return on equity based on GAAP net income was a robust 24.5%, while book value per share rose to $6.86, up 27.1% from $5.40 a year earlier and 5.4% from December 31, 2025.
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.