---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-24-000097"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2024-08-07T23:59:59+00:00"
generated_at: "2026-05-31T11:40:26.527358+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACIC Q2 core EPS $0.40 beats consensus $0.30; book value $4.63; guides FY net income $85M-$95M

## Summary
- Core EPS $0.40 vs analyst estimate $0.30; book value per share $4.63 vs est $4.58.
- Net income from continuing ops $19.1M ($0.39 diluted), down 10.2% YoY; core income $19.6M.
- Combined ratio 64.9% (est 74.3%), up 1.8 pts YoY; underlying combined ratio 66.4%.
- Agreement to sell Interboro Insurance (IIC) to Forza; closing expected Q1 2025; IIC in discontinued ops.
- FY2024 guidance: net income from continuing ops $85M-$95M, net premiums earned $285M-$300M.

## SEC filing metadata
- accession: 0001401521-24-000097
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2024-08-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000097/0001401521-24-000097-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152124000097/acic-20240807.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-24-000097
- JSON: https://secwatch.observer/filing/0001401521-24-000097.json
- Plain text: https://secwatch.observer/filing/0001401521-24-000097.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.