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Upturn AI SWOT - About
ACIC 
American Coastal Insurance Corp (ACIC)
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Upturn Advisory Summary
09/15/2025: ACIC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14
1 Year Target Price $14
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.21% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 537.88M USD | Price to earnings Ratio 6.73 | 1Y Target Price 14 |
Price to earnings Ratio 6.73 | 1Y Target Price 14 | ||
Volume (30-day avg) 1 | Beta -0.28 | 52 Weeks Range 8.49 - 14.52 | Updated Date 09/14/2025 |
52 Weeks Range 8.49 - 14.52 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.64 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.26% | Operating Margin (TTM) -10.03% |
Management Effectiveness
Return on Assets (TTM) 5.53% | Return on Equity (TTM) 31.54% |
Valuation
Trailing PE 6.73 | Forward PE - | Enterprise Value 374831281 | Price to Sales(TTM) 1.68 |
Enterprise Value 374831281 | Price to Sales(TTM) 1.68 | ||
Enterprise Value to Revenue 1.17 | Enterprise Value to EBITDA - | Shares Outstanding 48765300 | Shares Floating 22171008 |
Shares Outstanding 48765300 | Shares Floating 22171008 | ||
Percent Insiders 48.76 | Percent Institutions 33.2 |
Upturn AI SWOT
American Coastal Insurance Corp
Company Overview
History and Background
American Coastal Insurance Corporation (ACIC) focuses on providing property and casualty insurance in coastal regions. Its history involves managing risks associated with hurricane-prone areas. Founded to address specific insurance needs in these high-risk zones, the company has evolved to specialize in tailored insurance products.
Core Business Areas
- Personal Residential: Provides homeowners insurance coverage, including wind-only and multi-peril policies.
- Commercial Residential: Offers insurance solutions for commercial properties, such as apartment buildings and condominiums.
Leadership and Structure
Information about the leadership team and organizational structure of American Coastal Insurance Corp would be found in their investor relations or corporate website. It typically includes executives and board members.
Top Products and Market Share
Key Offerings
- Homeowners Insurance: Coverage for residential properties against perils such as hurricanes, fire, and water damage. This includes wind-only and multi-peril policies. Market share data unavailable without specialized insurance market research reports. Competitors include major national insurers like State Farm, Allstate, and regional specialists.
- Commercial Property Insurance: Insurance for commercial buildings, including condominiums and apartments, against various risks. Market share data unavailable without specialized insurance market research reports. Competitors include Travelers, Chubb, and other commercial insurers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily influenced by regulatory environments and catastrophic events. Coastal regions face unique challenges due to increased risks from hurricanes and other natural disasters.
Positioning
American Coastal Insurance Corp specializes in high-risk coastal areas, positioning it as a niche player with expertise in these markets. Its competitive advantage lies in its focus and understanding of these specific risk profiles.
Total Addressable Market (TAM)
The TAM for coastal property insurance is substantial, estimated to be in the billions of dollars annually. American Coastal Insurance Corp's market share is a fraction of the TAM, positioning them for potential growth within their niche.
Upturn SWOT Analysis
Strengths
- Specialized expertise in coastal insurance
- Strong understanding of hurricane risk
- Tailored insurance products
- Established presence in key coastal markets
Weaknesses
- Geographic concentration exposes it to regional risks
- Smaller size compared to national players
- Potential for high claims expenses during major weather events
- Dependence on reinsurance to manage risk
Opportunities
- Expanding into new coastal markets
- Developing innovative insurance products
- Leveraging technology for risk assessment
- Forming strategic partnerships
Threats
- Increasing frequency and severity of hurricanes
- Rising reinsurance costs
- Regulatory changes
- Competition from larger insurance companies
Competitors and Market Share
Key Competitors
- State Farm
- Allstate (ALL)
- The Travelers Companies Inc (TRV)
- Chubb Limited (CB)
Competitive Landscape
American Coastal Insurance Corp faces competition from large national carriers and regional specialists. Its advantage lies in its coastal expertise, but its smaller size can be a disadvantage.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would need to be evaluated by examining historical financial data over past years.
Future Projections: Analyst estimates and company guidance are typically available from financial news sources and investor relations releases. This information changes constantly.
Recent Initiatives: American Coastal Insurance Corp's strategic initiatives are usually detailed in press releases, investor presentations, and SEC filings.
Summary
American Coastal Insurance Corp specializes in providing property insurance in coastal regions, making them a niche player in a competitive market. They face challenges related to hurricane risks and competition from larger insurers. Their focused expertise and understanding of coastal risks are key strengths. Success hinges on managing risk effectively and expanding strategically.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Financial News Outlets
Disclaimers:
The analysis provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About American Coastal Insurance Corp
Exchange NASDAQ | Headquaters Saint Petersburg, FL, United States | ||
IPO Launch date 2007-11-07 | President & CEO Mr. Bennett Bradford Martz CPA | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 65 | Website https://www.amcoastal.com |
Full time employees 65 | Website https://www.amcoastal.com | ||
American Coastal Insurance Corporation, through its subsidiaries, primarily engages in the commercial and personal property and casualty insurance business in the United States. The company provides structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also offers commercial multi-peril property insurance for residential condominium associations and apartments, as well as coverage to policyholders for loss or damage to dwellings and buildings, inventory, detached structures, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company provides equipment breakdown, identity theft, and cyber security policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is based in Saint Petersburg, Florida.
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