---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-25-000072"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2025-05-08T23:59:59+00:00"
generated_at: "2026-05-22T03:45:00.968297+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# American Coastal Q1 core EPS $0.42 vs $0.50 YoY; combined ratio 65%

## Summary
- Net premiums earned $68.3M, up 9.0% YoY; total revenue $72.2M, +8.4%.
- Core income $20.7M ($0.42 diluted), down 15.3% YoY on higher policy acquisition costs.
- Combined ratio 65.0% (target) vs 53.2% a year ago; underlying combined ratio 68.2%.
- Book value per share $5.40, up 26.5% YoY; tangible book value $4.06 per share.
- Sold Interboro Insurance April 1 for over $26M cash; reinsurance renewal progress by June 1.

## SEC filing metadata
- accession: 0001401521-25-000072
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2025-05-08T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000072/0001401521-25-000072-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000072/acic-20250508.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-25-000072
- JSON: https://secwatch.observer/filing/0001401521-25-000072.json
- Plain text: https://secwatch.observer/filing/0001401521-25-000072.txt

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