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AMERICAN COASTAL INSURANCE Corp (ACIC) filed an 8-K current report with the SEC on August 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). Q2 2026 earnings covered quarter ended June 30, 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
- Q2 2026 earnings covered quarter ended June 30, 2026
- Earnings Release issued August 5, 2026
- Detailed financial results contained in Exhibit 99.1
Item 7.01 · Regulation FD Disclosure
- Earnings presentation intended for investor and analyst meetings beginning August 5, 2026
- Exhibit 99.2 contains the substantive earnings materials for investor review
Item EX-99.1 · Exhibit EX-99.1
- Q2 revenue fell 4.5% to $82.6M and diluted EPS declined 17.0% to $0.44 as softer Florida pricing reduced net premiums earned 11.1%
- Underwriting remained profitable but weakened: combined ratio 74.3% versus 60.6%, with catastrophe losses contributing 4.5 points
- Core income dropped 38.5% to $16.5M and core ROE fell to 20.0% from 41.6%, signaling substantial operating-pressure despite positive earnings
- Reinsurance ceding ratio improved to 49.8% from 52.6%, while broader catastrophe protection at lower cost partially offsets premium-rate deterioration
- Book value per share increased 20.2% year over year to $7.21, supported by retained earnings and a reduction in outstanding shares to 47.3 million
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