8-K current report · filed May 5, 2026

AMERICAN COASTAL INSURANCE Corp (ACIC) 8-K Current Report: May 5, 2026

Item 2.02Item 7.01Item EX-99.1ACIC overview

Short answer

AMERICAN COASTAL INSURANCE Corp (ACIC) filed an 8-K current report with the SEC on May 5, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Q1 2026 earnings release issued for quarter ended March 31, 2026.

AMERICAN COASTAL INSURANCE Corp 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Q1 2026 earnings release issued for quarter ended March 31, 2026
  • Detailed financial results and management commentary available in Exhibit 99.1

Item 7.01 · Regulation FD Disclosure

  • Earnings presentation for investor and analyst meetings beginning May 5, 2026
  • Exhibit 99.2 contains the substantive earnings materials
  • Reg FD filing signals planned broad dissemination of company information to investors

Item EX-99.1 · Exhibit EX-99.1

  • Q1 2026 net income $19.3M, or $0.39 diluted EPS, down 9.8% as prior-year discontinued operations contributed $1.6M
  • Gross premiums written fell 24.5% to $149.4M amid competition and 24% lower net pricing in a soft commercial insurance market
  • Underwriting remained resilient: 66.0% combined ratio and 68.3% underlying ratio, broadly stable year over year
  • Book value per share rose 5.4% sequentially to $6.86, while underlying book value reached $7.04
  • Cash, restricted cash and investments declined to $599.4M after approximately $36.6M in first-quarter dividends

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