American Coastal Insurance (ACIC) Stock: Buy, Sell, or Hold?
ACIC - American Coastal Insurance Corporation Common Stock
$9.33
0.08 (0.86%)
▲
5d:
-0.74%
30d:
-0.74%
90d:
-17.8%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 04, 2026
Get Alerted When ACIC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: ACIC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: ACIC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$20.69
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$12.85
27.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ACIC is currently trading at $9.33, which is considered fair relative to its 30-day fair value range of $9.17 to $9.44. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.3) compared to its historical average (8.3). Remarkably, the market is currently pricing in an annual earnings decline of 4.1% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, ACIC is in a strong downtrend. The price is approaching resistance at $9.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACIC scores 76/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $13.00 (+39.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ACIC is in a strong downtrend. The price is approaching resistance at $9.45. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACIC scores 76/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $13.00 (+39.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$9.17 -
$9.44
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (76/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 39.3% below Wall St target ($13.00)
- CAUTION: Bottoming setup, but lagging the sector by 16% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$9.17 -
$9.44
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$9.01
Resistance Level
$9.45
Current Trend
Strong Downtrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.29
Wall Street Target
$13.00
(+39.3%)
Revenue Growth (YoY)
-4.5%
Earnings Growth (YoY)
-16.6%
Profit Margin
30.3%
Valuation Discount vs History
-4.1% cheaper
PE vs Historical
7.3 vs 8.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.1%
(market-implied from PE analysis)
1-Year Target
$8.95
(-4%)
2-Year Target
$8.58
(-8%)
3-Year Target
$8.23
(-12%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$9.37
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 33.3%)
$61.90
(+563%)
Base:
(SPY PE: 7.3, Growth: 33.3%)
$22.12
(+137%)
Bear:
(PE: 6.2, Growth: 33.3%)
$18.80
(+102%)
📈
Valuation based on Current Earnings
Trailing PE: 4.47 | Current EPS (TTM): $2.07
Bull Case
$6.29
(-33%)
Analyst growth -38.2%, PE expands to 4.9
Base Case
$5.72
(-39%)
Market implied -38.2%, PE stable at 4.5
Bear Case
$6.29
(-33%)
Severe decline -20.0%, PE contracts to 3.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.3 to 8.3
Stabilization Target:
$10.62
(+13.9%)
PE Expansion Potential:
+13.9%
Share & Embed Analysis
Last updated: October 02, 2026 10:24 PM ET
Data refreshes hourly during market hours. Next update: 11:24 PM
Data refreshes hourly during market hours. Next update: 11:24 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is ACIC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Insurance - Property & Casualty Stocks
Top-rated stocks in Insurance - Property & Casualty by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
ALL
The Allstate Corporation |
BUY
25 analysts |
$276 | 58 HOLD |
|
TRV
The Travelers Companies … |
SELL
28 analysts |
$361 | 65 BUY |
|
CB
Chubb Ltd |
HOLD
25 analysts |
$366 | 67 BUY |
|
HIG
Hartford Financial Servi… |
BUY
19 analysts |
$144 | 60 HOLD |
|
PGR
Progressive Corp |
BUY
19 analysts |
$231 | 54 HOLD |
