{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-26-000008","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2026-02-19T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.991835+00:00","generated_at":"2026-05-16T01:41:49.192884+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"ACIC Q4 core EPS $0.52 beats $0.41 estimate; combined ratio 58.6% vs 70.3%","bullets":["Core income $25.8M ($0.52/diluted share) versus $6.0M ($0.12) a year ago; analyst consensus was $0.41.","Net premiums earned $79.3M (+7.9% YoY); total revenue $86.4M (+9.0% YoY).","Combined ratio improved to 58.6% from 91.9% YoY, which included Hurricane Milton's $20.5M retention.","Book value per share $6.51, up 33.1% YoY; declared $0.75 special dividend in Q4 2025.","Renewed AOP catastrophe reinsurance Jan 1, 2026 with risk-adjusted rate decrease; ACES Specialty pending approval; AmRisc partnership starts March 1, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-26-000008","json":"https://secwatch.observer/filing/0001401521-26-000008.json","markdown":"https://secwatch.observer/filing/0001401521-26-000008.md","text":"https://secwatch.observer/filing/0001401521-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000008/0001401521-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000008/acic-20260219.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:41:49.192884+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}