---
schema_version: "secwatch.filing_event.v1"
accession: "0001401521-26-000035"
form_type: "8-K"
ticker: "ACIC"
cik: "0001401521"
company_name: "AMERICAN COASTAL INSURANCE Corp"
filed_at: "2026-08-05T20:01:39+00:00"
generated_at: "2026-08-05T20:03:23.686328+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# American Coastal Q2 net income down 17% to $21.9M; core EPS $0.33 vs $0.54

## Summary
- Net income $21.9M ($0.44 diluted EPS) vs $26.4M ($0.53) a year ago; core income $16.5M ($0.33).
- Gross premiums written $216.3M, down 5.3% YoY; net premiums earned $69.7M, down 11.1%.
- Total revenue $82.6M, down 4.5% YoY; income from continuing ops $21.9M, down 21.9%.
- Book value per share rose 20.2% to $7.21 from $6.00.
- No discontinued operations in Q2 2026 vs $1.6M loss in Q2 2025.

## SEC filing metadata
- accession: 0001401521-26-000035
- form_type: 8-K
- ticker: ACIC
- cik: 0001401521
- company_name: AMERICAN COASTAL INSURANCE Corp
- filed_at: 2026-08-05T20:01:39+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/1401521/000140152126000035/0001401521-26-000035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1401521/000140152126000035/acic-20260805.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001401521-26-000035
- JSON: https://secwatch.observer/filing/0001401521-26-000035.json
- Plain text: https://secwatch.observer/filing/0001401521-26-000035.txt

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