ACIC

American Coastal InsuranceB

Nasdaq / Insurance

At close

2026-07-18

Current thesis

Bull: successful rate filings, limited catastrophe losses, and improved combined ratios drive multiple expansion and price appreciation toward the bull target.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.2.

What can break

Regulatory or rate-approval delays in coastal states

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $14.28 · Bull $18.00 · Bear $8.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-16 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net —

Target $14.00

Why

Momentum28 · Δ7d -12.2

Value64 · Δ7d +0.2

Sentiment72 · Δ7d +6.2

So what

Strength-led posture. Favor watchlist adds and disciplined entries.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-12.2

Δ21d

+2.5

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+0.1

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+6.2

Δ21d

+8.6

Why this grade

Composite grade B. Momentum 28.2 / Value 63.8 / Sentiment 72.5

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$496.76M

Beta

-0.59

Shares Out

48.46M

P/E (TTM)

6.6

P/S (TTM)

1.70

P/FCF (TTM)

4.63

Rev YoY

-1.4%

EPS YoY

-10.2%

Gross Margin

Op Margin

+35.0%

Net Debt

-$140.37M

Current Ratio

6.38

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology