American Coastal Insurance (ACIC) Stock: Buy, Sell, or Hold?
ACIC - American Coastal Insurance Corporation Common Stock
$11.08
-0.31 (-2.72%)
▼
5d:
-0.18%
30d:
+22.16%
90d:
+6.44%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 29, 2026
5d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: ACIC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: ACIC shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$10.66
Based on 0.1% avg growth
INTRINSIC VALUE TODAY
$6.62
Trading above historical range
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 $11.08, which is considered extended relative to its 30-day fair value range of $9.03 to $10.65. The stock's valuation (Forward PE: 8.7) is in line with its historical norms (8.3). At these levels, the market is pricing in 1.6% annual earnings growth.
Technical Outlook: Technically, ACIC is in a downtrend. Immediate support is located at $9.84, while resistance sits at $11.48.
Market Sentiment: ACIC scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $13.00 (+17.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ACIC is in a downtrend. Immediate support is located at $9.84, while resistance sits at $11.48.
Market Sentiment: ACIC scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $13.00 (+17.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$9.03 -
$10.65
Company Quality Score
34/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
29.5%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($13.00)
- BULLISH: Expecting earnings turnaround to 1.6% growth with -4.5% revenue growth
- WARNING: Composite score 34/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$9.03 -
$10.65
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$9.84
Resistance Level
$11.48
Current Trend
Downtrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.66
Wall Street Target
$13.00
(+17.3%)
Revenue Growth (YoY)
-4.5%
Earnings Growth (YoY)
-16.6%
Profit Margin
30.3%
Valuation Premium vs History
+1.6% premium
PE vs Historical
8.7 vs 8.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$11.26
(+2%)
2-Year Target
$11.44
(+3%)
3-Year Target
$11.62
(+5%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$11.14
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -3.8%)
$22.66
(+105%)
Base:
(SPY PE: 8.7, Growth: -3.8%)
$9.88
(-11%)
Bear:
(PE: 7.4, Growth: -3.8%)
$8.40
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 5.50 | Current EPS (TTM): $2.07
Bull Case
$7.75
(-30%)
Analyst growth -38.2%, PE expands to 6.1
Base Case
$7.04
(-36%)
Market implied -38.2%, PE stable at 5.5
Bear Case
$7.75
(-30%)
Severe decline -20.0%, PE contracts to 4.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 6:06 PM ET
Data refreshes hourly during market hours. Next update: 7:06 PM
Data refreshes hourly during market hours. Next update: 7:06 PM
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Technical Signals Check
Is ACIC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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