secwatch.observer — SEC 8-K summary
======================================

Issuer:     AMERICAN COASTAL INSURANCE Corp (ACIC)
CIK:        0001401521
Form:       8-K
Filed at:   2026-02-19T23:59:59+00:00
Accession:  0001401521-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000008/0001401521-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000008/acic-20260219.htm
  HTML page:      https://secwatch.observer/filing/0001401521-26-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer