US · ACIC
American Coastal Insurance Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Saint Petersburg, FL 33701
- Website
- amcoastal.com
Price · as of 2024-12-31
$11.82
Market cap 555.44M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $110.46 | +834.52% |
| Intrinsic Value(DCF) | $13.79 | +16.67% |
| Graham-Dodd Method(GD) | $4.04 | -65.82% |
| Graham Formula(GF) | $31.95 | +170.3% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $2.36 | $337.57 | $2.27 | $3.10 | $0.09 |
| 2011 | $4.41 | $778.74 | $3.39 | $8.39 | $21.56 |
| 2012 | $4.23 | $52.59 | $367.53 | $11.48 | $39.12 |
| 2013 | $11.06 | $59.54 | $5,060.86 | $11.19 | $81.09 |
| 2014 | $17.92 | $68.77 | $4,334.82 | $18.00 | $84.82 |
| 2015 | $13.95 | $43.55 | $2,805.92 | $14.52 | $44.52 |
| 2016 | $12.78 | $54.33 | $2,418.02 | $8.45 | $11.38 |
| 2017 | $15.90 | $35.42 | $1,136.35 | $10.23 | $11.21 |
| 2018 | $12.73 | $29.84 | $228.04 | $6.91 | $0.12 |
| 2019 | $8.09 | $112.70 | $44.63 | $2.96 | $0.00 |
| 2020 | $6.75 | $19.77 | $2.92 | $0.00 | $0.00 |
| 2021 | $3.12 | $35.73 | $2.05 | $0.00 | $83.20 |
| 2022 | $2.21 | $12.16 | $2.09 | $0.00 | $0.00 |
| 2023 | $9.09 | $50.18 | $0.91 | $38.05 | $189.71 |
| 2024 | $11.30 | $110.46 | $9.20 | $4.04 | $31.95 |
AI valuation
Our deep-learning model estimates American Coastal Insurance Corporation's (ACIC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $110.46
- Current price
- $11.82
- AI upside
- +834.52%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$13.79
+16.67% upside
Graham-Dodd
$4.04
-65.82% upside
Graham Formula
$31.95
+170.3% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ACIC | American Coastal Insuranc… | $11.82 | 555.44M | +835% | +17% | -66% | +170% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| AII | American Integrity Insura… | $20.36 | 398.58M | +201% | -33% | +40% | +1,087% | 3.66 | 1.08 | 1.32 | 1.38 | 1.91 | 1.08 | 64.54% | 41.61% | 36.03% | 39.90% | 524.65% | 8.22% | 0.00 | — | 92.89 | 92.89 | -1.73 | 19124.00% | 3530.00% | -977.00% | 36.52% | 51.56 | 701.36% | 6.27% | 23.00% | 15.39% | 1.41 | 1.22 | 0.59 | 1.29 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| DGICA | Donegal Group Inc. | $17.62 | 639.97M | +187% | -52% | +91% | +2% | 6.85 | 0.85 | 0.56 | 5.58 | 16.14 | 0.95 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.66 | — | 0.56 | 0.92 |
| GAIN | Gladstone Investment Corp… | $13.69 | 545.16M | +98% | -58% | — | — | 7.17 | 0.94 | 5.21 | 13.92 | — | 0.94 | 68.57% | 72.67% | 72.67% | 13.17% | 7.14% | 6.72% | 0.91 | 2.31 | 3.69 | 3.69 | 6.76 | -2794.00% | -1288.00% | 3249.00% | 24.34% | 18.46 | 12.46% | 13.02% | 93.30% | 13.02% | 13.92 | 7.98 | 10.12 | 0.87 |
| GAM | General American Investor… | $61.79 | 1.45B | +15% | -68% | +85% | +2,860% | 4.49 | 0.71 | 4.38 | — | — | 0.71 | 100.00% | 97.53% | 97.53% | 16.53% | 16.51% | 16.31% | 0.00 | — | 31.80 | 31.80 | — | -3615.00% | 18065.00% | — | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.05% | 4.50 | — | 4.39 | 37.16 |
| HRTG | Heritage Insurance Holdin… | $27.87 | 861.5M | +1% | -31% | -30% | +35% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| PRAA | PRA Group, Inc. | $15.75 | 614.49M | +680% | -49% | +76% | +404% | 8.84 | 0.69 | 0.70 | 19.05 | — | 1.06 | 61.01% | 30.23% | 6.28% | 7.69% | 5.64% | 1.87% | 2.96 | 3.83 | 12.97 | 12.97 | 15.57 | -18404.00% | 3781.00% | -178.00% | -12.59% | -0.28 | -2.03% | 0.00% | 0.00% | 131.83% | 11.73 | -40.40 | 3.55 | 1.99 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
| UFCS | United Fire Group, Inc. | $38.86 | 991.78M | -1% | +141% | +26% | +113% | 8.77 | 1.10 | 0.75 | 5.53 | 10.03 | 1.10 | 44.86% | 10.67% | 8.52% | 13.72% | 42.55% | 3.23% | 0.00 | 13.13 | — | — | -0.98 | 8745.00% | 1075.00% | -1983.00% | 25.41% | — | 94.79% | 1.57% | 13.80% | 8.56% | 5.95 | 3.34 | 0.63 | 0.75 |
About American Coastal Insurance Corporation
American Coastal Insurance Corporation operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations and apartments, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. The company markets and distributes its products through a network of independent agencies. The company was formerly known as United Insurance Holdings Corp. and changed its name to American Coastal Insurance Corporation in August 2023. American Coastal Insurance Corporation was founded in 1999 and is headquartered in Saint Petersburg, Florida.
- CEO
- Bennett Bradford Martz
- Employees
- 65
- Beta
- -0.63
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($13.79 ÷ $11.82) − 1 = +16.67% (DCF, example).