Welcome to our dedicated page for AMERICAN COASTAL INSURANCE SEC filings (Ticker: ACIC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of common stock held for family members. On March 18–19, he bought a total of 800 shares indirectly, in four 200-share trades, at prices between $11.12 and $11.25 per share for accounts labeled “First Child” and “Second Child.” Following these trades, indirect holdings shown total 4,526 shares, while a separate direct holding entry lists 299,564 shares, indicating these buys are modest relative to his overall reported position.
American Coastal Insurance Corp director Michael Kern Davis reported open-market purchases of a total of 1,400 shares of Common Stock of ACIC on March 4, 2026 at $11.71 per share. The shares are held in accounts in the names of his children, over which he has trading authority and may be deemed to have indirect beneficial ownership.
Following these transactions, Davis' indirect holdings in these child accounts were 4,126 shares, and a separate entry shows he directly held 299,564 shares of Common Stock. These transactions reflect additional indirect exposure rather than a reduction in his overall position.
American Coastal Insurance Corporation files its annual report describing a Florida-focused commercial property and casualty business written through subsidiary AmCoastal. All premiums and policies are concentrated in Florida, exposing results to that state’s regulatory, legal and severe weather environment.
In 2025 the company sold Interboro Insurance Company for $25.679 million cash, recognizing small disposal and investment losses in discontinued operations. AmCoastal holds Demotech A and Kroll A- financial strength ratings and reported a risk-based capital ratio of 1,757% as of December 31, 2025.
The report highlights a strategy centered on condominium, apartment and assisted living risks, heavy reliance on managing general agent AmRisc, and extensive use of reinsurance and catastrophe modeling. It also outlines ESG initiatives, a 68-employee workforce with increasing diversity, and detailed risk factors spanning climate, regulation, reinsurance, technology, leverage and governance.
AMERICAN COASTAL INSURANCE Corp Chief Underwriting Officer Troy J. Crawford purchased 3,200 shares of common stock in an open‑market transaction. The shares were bought at an average price of $11.085 per share, bringing his directly held stake to 12,585 shares following the transaction.
AMERICAN COASTAL INSURANCE Corp executive Troy J. Crawford, Chief Underwriting Officer, has filed an initial ownership report. The Form 3 shows direct ownership of 9,385 shares of common stock as of February 17, 2026. This filing simply records his existing stake and does not indicate any recent share purchases or sales.
American Coastal Insurance Corporation reported upcoming board and leadership changes. Longtime director Sherrill W. Hudson will not seek re-election and will serve until the 2026 Annual Meeting of Shareholders. The board has nominated Deirdre A. Brown, a seasoned CPA and current director of its insurance subsidiary, to fill his board seat.
The company also appointed Troy Crawford as Chief Underwriting Officer, expanding his existing underwriting leadership role at its insurance subsidiary. His new employment agreement runs on a one-year, automatically renewing term, includes eligibility for performance-based bonuses and executive benefits, and imposes a two-year post-employment non-solicitation obligation.
American Coastal Insurance Corporation reported sharply stronger results for Q4 and full-year 2025. Quarterly net income rose to $26.6 million, or $0.53 per diluted share, from $4.9 million, or $0.10 per share, helped by much lower catastrophe losses than in late 2024. For 2025, net income increased to $106.8 million, or $2.15 per diluted share, up from $75.7 million, or $1.54 per share, as net premiums earned grew 12.0% and total revenue increased 13.1% to $335.4 million.
The combined ratio improved to 58.6% in Q4 2025 from 91.9%, and to 60.1% for the year, reflecting lower loss ratios and a stable expense base. Core income, which excludes discontinued operations and certain investment and amortization items, rose to $25.8 million for the quarter and $103.7 million for the year. Book value per share increased 33.1% to $6.51 at December 31, 2025, while underlying book value per share reached $6.66, supported by strong earnings and despite a $0.75 special dividend declared in the fourth quarter.
American Coastal Insurance Corporation filed a current report to furnish an investor presentation under Regulation FD. The company’s executive officers plan to use this presentation in meetings with investors and analysts beginning on January 14, 2026. The presentation is attached as Exhibit 99.1 and is also available on the company’s investor relations website.
The company clarifies that the information in this investor presentation is being furnished, not filed, under the securities laws, which limits its treatment under certain liability provisions and for incorporation by reference into other securities documents.
American Coastal Insurance Corp. Chief Compliance/Risk Officer James Andy Gray reported an acquisition of derivative securities in the form of restricted stock units. On 01/09/2026, he acquired 717 restricted stock units at $11.37 per unit, each representing a conditional right to receive one share of the company’s common stock. Following this grant, he beneficially owned 11,531 derivative securities directly. Related dividend equivalent units will vest proportionately with the underlying restricted stock units.
American Coastal Insurance Corp’s Chief Financial Officer, Svetlana Castle, reported receiving 717 restricted stock units on 01/09/2026. Each unit represents a conditional right to receive one share of the company’s common stock, and related dividend equivalent units will vest in step with the underlying restricted stock units.
After this grant, Castle beneficially owns 11,531 derivative securities, all held directly. The transaction was reported as an acquisition at a reference price of $11.31 per unit.