---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-26-000027"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2026-05-05T23:59:59+00:00"
generated_at: "2026-05-14T23:18:50.307720+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACIC Q1 2026 core EPS $0.39 misses estimate; premiums down 24.5% YoY

## Summary
- Core income $19.3M ($0.39) vs $20.7M ($0.42) YoY; consensus $0.44.
- Gross premiums written $149.4M (-24.5% YoY); net premiums earned $65.6M (-3.9%).
- Combined ratio 66.0% (up 1 pt); underlying combined ratio 68.3% nearly flat.
- Book value per share $6.86 (+27.1% YoY); tangible BV per share $5.57 (+6.7% QoQ).
- Florida commercial property market softening; average premiums down 16.6% in March YoY.

## SEC filing metadata
- accession: 0001401521-26-000027
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2026-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1401521/000140152126000027/0001401521-26-000027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000027/acic-20260505.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-26-000027
- JSON: https://secwatch.observer/filing/0001401521-26-000027.json
- Plain text: https://secwatch.observer/filing/0001401521-26-000027.txt

## Source-grounded claims
- claim_id: 041668aebae9c0e0f31aa164cf970c3a23ccf6b3
  claim: AMERICAN COASTAL INSURANCE Corp reported financial results for first quarter ended March 31, 2026.
  evidence_excerpt: American Coastal Insurance Corporation (Nasdaq: ACIC) ("ACIC" or the "Company"), a property and casualty insurance holding company, today reported its financial results for the first quarter ended March 31, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000027/0001401521-26-000027-index.htm

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