American Coastal Insurance
Writes commercial residential property coverage through AmRisc and Skyway in Florida.
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Profile
Writes commercial residential property insurance in Florida through American Coastal Insurance Company, with Condo & HOA, Apartment, and Assisted Living products distributed through AmRisc and Skyway. The business is a single commercial-lines segment shaped by catastrophe exposure, reinsurance capacity, Florida regulation, and its exclusive AmRisc relationship.
Writes commercial residential property insurance in Florida through American Coastal Insurance Company, its wholly owned carrier. The current product set centers on Condo & HOA, Apartment, and Assisted Living coverage after the exit from legacy personal homeowners lines and the sale of Interboro.
Distribution and underwriting run through specialist channels. Condo and association property business is produced through an exclusive AmRisc managing general agency relationship, while Apartment and Assisted Living products are appointed through Skyway wholesale brokers.
Underwriting discipline is built around low-rise commercial property exposed to Florida catastrophe risk. The business depends on reinsurance availability and pricing, AmRisc production, and Florida admitted-market insurance regulation, so the operating model is concentrated by geography, product, and partner relationship.
Company facts
Key statistics
Year to date −16.6% · Average volume (30d) 277.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| Aug 11, 2026 | Raymond James | Reiterate | Outperform | $13 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026Q2 FY26 | $0.42 | $0.33 | −21.4% | $194.1M | $216.3M | +11.4% | −6.12% |
| May 5, 2026Q1 FY26 | $0.44 | $0.39 | −11.4% | $175.1M | $149.4M | −14.7% | −12.05% |
| Feb 19, 2026Q4 FY25 | $0.42 | $0.51 | +21.4% | $140.7M | $114.5M | −18.6% | −2.16% |
| Nov 5, 2025Q3 FY25 | $0.39 | $0.61 | +56.4% | $83.4M | $90.3M | +8.2% | −1.69% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $72.1M | $86.4M | $90.3M | $86.4M | $71.2M | $82.5M | |
| Gross profit | $36.9M | $46.2M | $54.3M | $76.5M | $61.0M | $39.7M | |
| Operating income | $26.2M | $37.6M | $42.4M | $36.6M | $25.8M | $28.4M | |
| Net income | $21.3M | $26.4M | $32.5M | $26.6M | $19.3M | $21.9M | |
| Diluted EPS | $0.43 | $0.53 | $0.65 | $0.53 | $0.39 | $0.44 | |
| Gross margin | 51.1% | 53.5% | 60.1% | 88.5% | 85.6% | 48.1% | |
| Operating margin | 36.3% | 43.5% | 46.9% | 42.4% | 36.2% | 34.4% |
Fiscal years (4-quarter sums)FY21 $634.5M · FY22 $308.6M · FY23 $274.6M · FY24 $296.4M · FY25 $335.1M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $328.0M · Total debt $152.5M · Total assets $1.24B · Shareholders' equity $340.8M
Dividends
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jan 2, 2026 | Jan 2 | Jan 9 | $0.75 | special dividend |
| Jan 2, 2025 | Jan 2 | Jan 10 | $0.50 | special dividend |
| Mar 8, 2022 | Mar 9 | Mar 16 | $0.06 | |
| Nov 19, 2021 | Nov 22 | Nov 29 | $0.06 |
Ownership
Shares outstanding 48.46M · Float 24.47M · 50.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.28M | 4.70% | 13F | Aug 7, 2026 |
| Daniel Peed · director, 10 percent owner: | 1.99M | 4.10% | Form 4 | May 28, 2026 |
| Gregory C. Branch · director | 1.73M | 3.57% | Form 4 | May 28, 2026 |
| Tieton Capital Management, LLC | 1.25M | 2.59% | 13F | Aug 10, 2026 |
| Vanguard Capital Management LLC | 995.6K | 2.05% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 17, 2026 | Christopher Griffith | officer: Chief Operating Officer | −41,672 | $9.40 |
| Mar 20, 2026 | Kern Michael Davis | director | +100 | $11.05 |
| Mar 18, 2026 | Kern Michael Davis | director | +400 | $11.24 |
| Mar 19, 2026 | Kern Michael Davis | director | +200 | $11.12 |
| Mar 4, 2026 | Kern Michael Davis | director | +700 | $11.71 |
Peers
- Heritage Insurance
Direct commercial residential property peer in Florida and coastal states
- Universal Insurance
Large Florida-heavy residential property carrier with agency reach
- HCI Group
Florida-centered P&C insurer competing for coastal property capacity
- American Integrity
Florida residential property specialist with condo-owner exposure
- Palomar
Specialty property insurer with E&S and hurricane-cat exposure
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| American Coastal Insurance | $9.50 | +0.11% | $460.4M | 4.7 | 9.9 | 1.4 | +150.2% |
| Heritage Insurance | $34.77 | +2.74% | $1.03B | 4.8 | 6.7 | 1.3 | +3.0% |
| Universal Insurance | $43.43 | +0.12% | $1.21B | 5.7 | 9.4 | 0.7 | +55.3% |
| HCI Group | $186.29 | +0.05% | $2.38B | 7.7 | 9.3 | 2.5 | +11.2% |
| American Integrity | $26.32 | +0.15% | $515.6M | 5.8 | 8.2 | 1.5 | +338.4% |
| Palomar | $131.63 | −0.11% | $3.49B | 17.7 | 12.3 | 3.2 | +210.1% |
| Median | 5.8 | 9.3 | 1.5 | +55.3% |