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Upturn AI SWOT - About
ACIC 
American Coastal Insurance Corp (ACIC)
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Upturn Advisory Summary
08/28/2025: ACIC (1-star) is currently NOT-A-BUY. Pass it for now.
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 1.49% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 530.08M USD | Price to earnings Ratio 6.63 | 1Y Target Price 14 |
Price to earnings Ratio 6.63 | 1Y Target Price 14 | ||
Volume (30-day avg) 1 | Beta -0.29 | 52 Weeks Range 8.49 - 14.52 | Updated Date 08/28/2025 |
52 Weeks Range 8.49 - 14.52 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.64 |
Earnings Date
Report Date 2025-08-06 | When - | Estimate 0.4 | Actual 0.54 |
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 6.63 | Forward PE - | Enterprise Value 358738731 | Price to Sales(TTM) 1.66 |
Enterprise Value 358738731 | Price to Sales(TTM) 1.66 | ||
Enterprise Value to Revenue 1.12 | Enterprise Value to EBITDA - | Shares Outstanding 48765300 | Shares Floating 22171008 |
Shares Outstanding 48765300 | Shares Floating 22171008 | ||
Percent Insiders 48.76 | Percent Institutions 33.19 |
Upturn AI SWOT
American Coastal Insurance Corp
Company Overview
History and Background
American Coastal Insurance Corp. focuses on providing property and casualty insurance in states exposed to catastrophic events. Founded in 2007, it has grown through strategic underwriting and risk management. It is now part of RBA. It became publicly traded on October 21st, 2016. The company evolved to focus on niche markets vulnerable to wind and other severe weather events.
Core Business Areas
- Personal Lines: Provides homeowners and flood insurance to individuals, primarily focused on coastal regions prone to hurricanes and wind damage.
- Commercial Lines: Offers commercial property insurance to businesses, covering risks associated with natural disasters and other perils.
- Reinsurance: Provides reinsurance solutions to other insurance companies, focusing on catastrophe risk coverage, and transferring the risks they are exposed to, by offering reinsurance solutions.
Leadership and Structure
Daniel Odum is the Chief Executive Officer. The company has a board of directors overseeing strategic direction and corporate governance. The organizational structure includes underwriting, claims, and actuarial departments, reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Offers insurance coverage for commercial buildings and related assets against natural disasters and other risks. Market share is concentrated in coastal areas. Competitors include Chubb, Liberty Mutual, and Zurich. Market share varies greatly by region.
- Flood Insurance: Flood insurance policy which covers commercial and residential properties from flood events
- Homeowners Insurance: Provides coverage for residential properties against damage from wind, flood, and other perils. Market share is focused regionally in states like Florida and Texas. Competitors include State Farm, Allstate, and Travelers. Market share varies greatly by region.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and sensitive to economic cycles and catastrophic events. It is influenced by regulatory changes, technological advancements, and evolving consumer preferences.
Positioning
American Coastal Insurance Corp is positioned as a specialist in high-risk coastal areas. Its competitive advantages include expertise in underwriting catastrophe risk and geographic focus.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in coastal states is estimated at over $100 billion. American Coastal Insurance Corp is positioned to capture a portion of this market through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Specialized expertise in coastal property insurance
- Strong risk management capabilities
- Established presence in key coastal markets
- Focused underwriting approach
Weaknesses
- Geographic concentration exposes to extreme weather risks
- Reliance on reinsurance market
- Smaller scale compared to larger national insurers
- High expense ratio
Opportunities
- Expansion into new coastal markets
- Development of innovative insurance products
- Leveraging technology for enhanced underwriting
- Partnerships with reinsurance providers
Threats
- Increased frequency and severity of natural disasters
- Rising reinsurance costs
- Regulatory changes impacting insurance pricing
- Competition from larger insurance companies
Competitors and Market Share
Key Competitors
- State Farm (SFARM)
- Allstate (ALL)
- Travelers (TRV)
- Progressive (PGR)
Competitive Landscape
American Coastal Insurance Corp competes with larger national insurers and regional specialists. Its advantages include specialized expertise, while disadvantages include smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by expansion into new markets and underwriting performance. Growth rate numbers would be needed to do a thorough analysis.
Future Projections: Future growth is projected to be driven by increasing demand for coastal property insurance and strategic initiatives. These will depend on how management steers the company.
Recent Initiatives: Recent initiatives include expanding into new coastal states and enhancing technology for underwriting.
Summary
American Coastal Insurance Corp. is a niche player in the coastal property insurance market. Its specialization in high-risk areas offers advantages, but also presents challenges. The company's growth depends on effective risk management and expansion strategies. It must effectively manage risks and competition from much larger competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary.
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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