American Coastal Insurance

ACIC

Market cap $568M

American Coastal Insurance Corporation (NASDAQ:ACIC ) Q2 2025 Earnings Conference Call August 6, 2025 5:00 PM ET Company Participants Bennett Bradford Martz - President & CEO Svetlana Castle - Chief Financial Officer Conference Call Participants Charles Gregory Peters - Raymond James & Associates, Inc., Research Division William Joseph Dezellem - Tieton Capital Management, LLC Karin Daly - The Equity Group, Inc. Operator Greetings, and welcome to the American Coastal Insurance Corporation Second Quarter Earnings Conference Call and Webcast. [Operator Instructions] As a reminder, this conference is being recorded.

American Coastal Insurance (ACIC) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.38 per share. This compares to earnings of $0.4 per share a year ago.

American Coastal Insurance (ACIC -0.78%), a specialist in Florida commercial residential insurance, reported its second quarter 2025 financial results on August 6, 2025. The company posted diluted earnings per share of $0.53 in Q2 2025, exceeding consensus estimates of $0.38 non-GAAP and representing a 35.9% increase from the prior year period.

Company to Host Quarterly Conference Call at 5:00 P.M. ET on August 6, 2025 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website at investors.amcoastal.com/Presentations.

ST. PETERSBURG, Fla., July 23, 2025 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“the Company”, “American Coastal” or “ACIC”), the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today that it expects to release its financial results for the second quarter ended June 30, 2025, on Wednesday, August 6, 2025, after the close of the market, and will conduct its quarterly conference call at 5:00 p.m. ET.

ST. PETERSBURG, Fla., July 21, 2025 (GLOBE NEWSWIRE) -- American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) (“American Coastal” or the “Company”) the insurance holding company of American Coastal Insurance Company (“AmCoastal”), announced today that Kroll Bond Rating Agency (“KBRA”) has upgraded its Issuer Rating from BB+ to BBB- and upgraded its Debt Rating from BB+ to BBB-. KBRA also affirmed the Insurance Financial Strength Rating of A- for AmCoastal. The Outlook for all ratings has been changed to Positive from Stable.

HCI stock had rallied by 36% YTD, while ACIC's stock declined by 20%. However, both companies remain undervalued relative to their sector. ACIC experiences top-line stagnation; given that 58% of its gross premiums are ceded, this has resulted in compressed underwriting margins, while HCI is seeing double-digit increases in net income. Both companies have a solid balance sheet that grew shareholder's equity by more than 20% compared to the first quarter of 2024.

ACIC has transformed into a Florida-focused commercial property insurer, exiting personal lines and New York to target niche markets avoided by national carriers. Q1 2025 results show improved profitability and a strong balance sheet, but the company remains highly exposed to Florida's hurricane risks. Despite a new dividend and potential for tangible book value growth, ACIC trades at a premium with limited growth prospects.

American Coastal Insurance Corporation (NASDAQ:ACIC ) Q1 2025 Earnings Conference Call May 8, 2025 5:00 PM ET Company Participants Bradford Martz - President & CEO Svetlana Castle - CFO Karin Daly - IR, The Equity Group Conference Call Participants Greg Peters - Raymond James Bill Dezellem - Tieton Capital Operator Greetings, and welcome to the American Coastal Insurance Corporation first quarter 2025 earnings conference calling webcast. At this time, all participants are in a listen-only mode.

American Coastal Insurance (ACIC) came out with quarterly earnings of $0.42 per share, beating the Zacks Consensus Estimate of $0.40 per share. This compares to earnings of $0.50 per share a year ago.