---
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"
generated_at: "2026-05-16T01:41:49.192884+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACIC Q4 core EPS $0.52 beats $0.41 estimate; combined ratio 58.6% vs 70.3%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1401521/000140152126000008/0001401521-26-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000008/acic-20260219.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-26-000008
- JSON: https://secwatch.observer/filing/0001401521-26-000008.json
- Plain text: https://secwatch.observer/filing/0001401521-26-000008.txt

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