---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-25-000130"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2025-11-05T23:59:59+00:00"
generated_at: "2026-05-17T00:13:28.959927+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# American Coastal Q3 net income $32.5M ($0.65 EPS); core EPS $0.61 beats est. $0.39

## Summary
- Net premiums earned $80.8M (+8.5% YoY); total revenue $90.4M (+10.1%).
- Combined ratio improved to 56.9% from 57.7%, below 65% target; core income $30.5M.
- Book value per share $6.71 (+24.7% YoY); tangible book value $5.41.
- Florida commercial property market softening; avg premiums down 13% in September.
- Launched new product for assisted & independent living facilities in Florida (property only).

## SEC filing metadata
- accession: 0001401521-25-000130
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2025-11-05T23:59:59+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/1401521/000140152125000130/0001401521-25-000130-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152125000130/acic-20251105.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-25-000130
- JSON: https://secwatch.observer/filing/0001401521-25-000130.json
- Plain text: https://secwatch.observer/filing/0001401521-25-000130.txt

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