ACIC
AMERICAN COASTAL INSURANCE Corp
Overview
American Coastal Insurance Corporation provides commercial property and casualty insurance for residential condominiums, apartments, and assisted living facilities in Florida. The company writes multi-peril coverage for building damage from fire, wind, hail, water, theft, and vandalism, distributed through managing general agencies and wholesale partners.
AMERICAN COASTAL INSURANCE Corp is a Financial Services company operating in Insurance - Property & Casualty with a $508.9M market cap.
Most recent reported earnings: Q2 FY2026 (Aug 4, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-05-0513 Q&A exchanges
- Q4 FY2025Earnings2026-02-198 Q&A exchanges
- Q3 FY2025Earnings2025-11-053 Q&A exchanges
- Q2 FY2025Earnings2025-08-077 Q&A exchanges
- Q1 FY2025Earnings2025-05-118 Q&A exchanges
- Q4 FY2024Earnings2025-02-2711 Q&A exchanges
- Q3 FY2024Earnings2024-11-071 Q&A exchange
- Q2 FY2024Earnings2024-08-075 Q&A exchanges
- Q1 FY2024Earnings2024-05-119 Q&A exchanges
- Q4 FY2023Earnings2024-02-2911 Q&A exchanges
- Q3 FY2023Earnings2023-11-135 Q&A exchanges
- Q2 FY2023Earnings2023-08-101 Q&A exchange
- Q1 FY2023Earnings2023-05-15
- Q4 FY2022Earnings2023-03-02
- Q3 FY2022Earnings2022-11-09
- Q2 FY2022Earnings2022-08-08
- Q1 FY2022Earnings2022-05-098 Q&A exchanges
- Q4 FY2021Earnings2022-02-236 Q&A exchanges
- Q3 FY2021Earnings2021-11-1114 Q&A exchanges
- Q2 FY2021Earnings2021-08-079 Q&A exchanges
- Q1 FY2021Earnings2021-05-0810 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-04EPS— vs $0.42—Rev— vs ——EODHD
- Q1 FY20262026-05-04EPS$0.39 vs $0.44-11.4%Rev$71.2M vs ——EODHD
- Q4 FY20252026-02-19EPS$0.53 vs $0.43+23.3%Rev$86.4M vs ——EODHD
- Q3 FY20252025-11-04EPS$0.61 vs $0.39+56.4%Rev$90.3M vs ——EODHD
- Q2 FY20252025-08-05EPS$0.54 vs $0.38+42.1%Rev$86.4M vs ——EODHD
- Q1 FY20252025-05-07EPS$0.43 vs $0.41+4.9%Rev$72.1M vs ——EODHD
- Q4 FY20242025-02-25EPS$0.12 vs $0.16-25.0%Rev$79.0M vs ——EODHD
- Q3 FY20242024-11-05EPS$0.54 vs $0.35+54.3%Rev$82.1M vs ——EODHD
- Q2 FY20242024-08-06EPS$0.40 vs $0.30+33.3%Rev$68.7M vs ——EODHD
- Q1 FY20242024-05-08EPS$0.50 vs $0.25+100.0%Rev$66.5M vs ——EODHD
- Q4 FY20232024-02-28EPS$0.39 vs $0.21+85.7%Rev$58.2M vs ——EODHD
- Q3 FY20232023-11-12EPS$0.24 vs $-0.17+100.0%Rev$52.5M vs ——EODHD
- Q2 FY20232023-08-09EPS$0.65 vs $-0.20+100.0%Rev$73.5M vs ——EODHD
- Q1 FY20232023-05-14EPS$0.71 vs $-0.25+100.0%Rev$90.3M vs ——EODHD
- Q4 FY20222023-03-01EPS$-6.33 vs $-0.24-100.0%Rev$113.5M vs ——EODHD
- Q3 FY20222022-11-08EPS$-1.34 vs $-0.85-57.6%Rev$72.8M vs ——EODHD
- Q2 FY20222022-08-07EPS$-1.49 vs $-0.22-100.0%Rev$63.9M vs ——EODHD
- Q1 FY20222022-05-08EPS$-0.68 vs $0.19-100.0%Rev$58.4M vs ——EODHD
- Q4 FY20212022-02-22EPS$-0.02 vs $0.19-100.0%Rev$154.5M vs ——EODHD
- Q3 FY20212021-11-10EPS$-0.36 vs $-0.33-9.1%Rev$162.7M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-04 | — | $0.42 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-05-04 | $0.39 | $0.44 | -11.4% | $71.2M | — | — | EODHD |
| Q4 FY2025 | 2026-02-19 | $0.53 | $0.43 | +23.3% | $86.4M | — | — | EODHD |
| Q3 FY2025 | 2025-11-04 | $0.61 | $0.39 | +56.4% | $90.3M | — | — | EODHD |
| Q2 FY2025 | 2025-08-05 | $0.54 | $0.38 | +42.1% | $86.4M | — | — | EODHD |
| Q1 FY2025 | 2025-05-07 | $0.43 | $0.41 | +4.9% | $72.1M | — | — | EODHD |
| Q4 FY2024 | 2025-02-25 | $0.12 | $0.16 | -25.0% | $79.0M | — | — | EODHD |
| Q3 FY2024 | 2024-11-05 | $0.54 | $0.35 | +54.3% | $82.1M | — | — | EODHD |
| Q2 FY2024 | 2024-08-06 | $0.40 | $0.30 | +33.3% | $68.7M | — | — | EODHD |
| Q1 FY2024 | 2024-05-08 | $0.50 | $0.25 | +100.0% | $66.5M | — | — | EODHD |
| Q4 FY2023 | 2024-02-28 | $0.39 | $0.21 | +85.7% | $58.2M | — | — | EODHD |
| Q3 FY2023 | 2023-11-12 | $0.24 | $-0.17 | +100.0% | $52.5M | — | — | EODHD |
| Q2 FY2023 | 2023-08-09 | $0.65 | $-0.20 | +100.0% | $73.5M | — | — | EODHD |
| Q1 FY2023 | 2023-05-14 | $0.71 | $-0.25 | +100.0% | $90.3M | — | — | EODHD |
| Q4 FY2022 | 2023-03-01 | $-6.33 | $-0.24 | -100.0% | $113.5M | — | — | EODHD |
| Q3 FY2022 | 2022-11-08 | $-1.34 | $-0.85 | -57.6% | $72.8M | — | — | EODHD |
| Q2 FY2022 | 2022-08-07 | $-1.49 | $-0.22 | -100.0% | $63.9M | — | — | EODHD |
| Q1 FY2022 | 2022-05-08 | $-0.68 | $0.19 | -100.0% | $58.4M | — | — | EODHD |
| Q4 FY2021 | 2022-02-22 | $-0.02 | $0.19 | -100.0% | $154.5M | — | — | EODHD |
| Q3 FY2021 | 2021-11-10 | $-0.36 | $-0.33 | -9.1% | $162.7M | — | — | EODHD |
Source: EODHD. ACIC reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks ACIC's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 8/10 quarters with 50% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 3 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $4.22 | $3.96 | +6.5% | +5.8% | +4.5% |
| Q4 FY2026 | $4.23 | $4.06 | +4.3% | +2.4% | +0.8% |
| Q3 FY2026 | $4.47 | $4.09 | +9.4% | -1.5% | -2.1% |
| Q2 FY2026 | $4.16 | $4.17 | -0.2% | +6.4% | +7.6% |
| Q1 FY2025 | $4.31 | $4.23 | +1.9% | -1.3% | +1.1% |
| Q4 FY2025 | $4.88 | $4.27 | +14.3% | -4.1% | -1.8% |
| Q3 FY2025 | $4.03 | $4.05 | -0.5% | +2.5% | +4.2% |
| Q2 FY2025 | $4.62 | $4.19 | +10.2% | +4.7% | +1.8% |
| Q1 FY2024 | $4.24 | $4.06 | +4.4% | -1.8% | -0.1% |
| Q4 FY2024 | $4.47 | $4.14 | +8.0% | -0.5% | +0.4% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Maintained2026-07-15
- Q1 FY2025Maintained2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Suspended2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Brad MartzCEO1 yr 1 mo4 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • last guidance cut Q1 FY2026
- Svetlana CastleCFO1 yr 1 mo9 callsCurrentSample
CFO since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Christopher GriffithCOO1 yr 1 mono recorded callsCurrentSample
COO since 2025 • 2/4 beats (50%) • last guidance cut Q2 FY2026
- Troy J CrawfordChief Underwriting Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance raise Q2 FY2026
- Brooke AdlerGeneral Counsel1 yr 1 mono recorded callsCurrentSample
OTHER since 2025 • 2/4 beats (50%) • guidance suspended Q2 FY2026
- James Andy GrayChief Compliance/Risk Officer1 yr 1 mono recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for ACIC.
$ curl https://api.spokenalpha.com/v1/companies/ACICFAQ
Frequently asked about ACIC
Where can I find AMERICAN COASTAL INSURANCE Corp's (ACIC) earnings call transcripts?
Spoken Alpha indexes ACIC's earnings call transcripts at https://spokenalpha.com/companies/ACIC. Each call links to attributed speakers and parsed analyst Q&A. AMERICAN COASTAL INSURANCE Corp's own investor relations page is at https://investors.amcoastal.com/overview/default.aspx.
When was AMERICAN COASTAL INSURANCE Corp's most recent earnings call?
AMERICAN COASTAL INSURANCE Corp (ACIC) held its most recent earnings call on 2026-05-05, covering fiscal Q1 2026.
What sector is ACIC in?
AMERICAN COASTAL INSURANCE Corp (ACIC) operates in the Financial Services sector (Insurance - Property & Casualty industry).