American Coastal Insurance (ACIC) Stock: Buy, Sell, or Hold?
ACIC - American Coastal Insurance Corporation Common Stock
$9.34
-0.01 (-0.11%)
âŧ
5d:
-2.1%
30d:
-4.98%
90d:
-10.54%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: ACIC is fairly priced but lacks strong directional signals. At 1.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: ACIC is fairly priced but lacks strong directional signals. At 1.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$14.91
Based on 10.6% avg growth
INTRINSIC VALUE TODAY
$9.26
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 $9.34, which is considered slightly low relative to its 30-day fair value range of $9.19 to $10.13. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (8.3). At these levels, the market is pricing in 1.0% annual earnings growth.
Technical Outlook: Technically, ACIC is in a strong downtrend. The price is currently testing key support at $9.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ACIC scores 62/100 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 (+39.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, ACIC is in a strong downtrend. The price is currently testing key support at $9.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: ACIC scores 62/100 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 (+39.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$9.19 -
$10.13
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
93.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 39.2% below Wall St target ($13.00)
- BULLISH: Expecting earnings turnaround to 1.0% growth with -4.5% revenue growth
- WARNING: Composite score 43/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$9.19 -
$10.13
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$9.15
Resistance Level
$9.59
Current Trend
Strong Downtrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.57
Wall Street Target
$13.00
(+39.2%)
Revenue Growth (YoY)
-4.5%
Earnings Growth (YoY)
-16.6%
Profit Margin
30.3%
Valuation Premium vs History
+1.0% premium
PE vs Historical
8.6 vs 8.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.0%
(market-implied from PE analysis)
1-Year Target
$9.43
(+1%)
2-Year Target
$9.53
(+2%)
3-Year Target
$9.62
(+3%)
3-Yr Target (if PE normalizes)
(PE: 9â8)
PE COMPRESSION
$9.32
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 17.2%)
$35.40
(+279%)
Base:
(SPY PE: 8.6, Growth: 17.2%)
$15.04
(+61%)
Bear:
(PE: 7.3, Growth: 17.2%)
$12.78
(+37%)
đ
Valuation based on Current Earnings
Trailing PE: 4.61 | Current EPS (TTM): $2.03
Bull Case
$5.52
(-41%)
Analyst growth -46.3%, PE expands to 5.1
Base Case
$5.02
(-46%)
Market implied -46.3%, PE stable at 4.6
Bear Case
$6.36
(-32%)
Severe decline -20.0%, PE contracts to 3.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 10:50 AM ET
Data refreshes hourly during market hours. Next update: 11:50 AM
Data refreshes hourly during market hours. Next update: 11:50 AM
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Technical Signals Check
Is ACIC showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Kern Michael Davis
BUY
200 shares
2026-03-20
Kern Michael Davis
BUY
400 shares
2026-03-18
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