secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAN COASTAL INSURANCE Corp (ACIC)
CIK:        0001401521
Form:       8-K
Filed at:   2026-05-05T23:59:59+00:00
Accession:  0001401521-26-000027
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000027/0001401521-26-000027-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000027/acic-20260505.htm
  HTML page:      https://secwatch.observer/filing/0001401521-26-000027

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