ACIC Stock Analysis: Buy, Sell, or Hold?
ACIC - American Coastal Insurance Corporation Common Stock
$10.36
0.11 (1.07%)
▲
5d:
-7.25%
30d:
-1.24%
90d:
-13.01%
HOLD
LOW Confidence
Analysis Updated: Jul 20, 2026 12:00 AM ET
Earnings: Aug 05, 2026
15d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ACIC trades at premium valuation expecting 7.9% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: ACIC trades at premium valuation expecting 7.9% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$10.29
Based on 4.9% avg growth
INTRINSIC VALUE TODAY
$6.39
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 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ACIC is currently trading at $10.36, which is considered oversold relative to its 30-day fair value range of $10.43 to $11.29. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.1) compared to its historical average (8.0). At these levels, the market is pricing in 7.9% annual earnings growth.
Technical Outlook: Technically, ACIC is in a downtrend. Immediate support is located at $10.03, while resistance sits at $11.65.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $14.00 (+36.6%). 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 downtrend. Immediate support is located at $10.03, while resistance sits at $11.65.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $14.00 (+36.6%). 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
OVERSOLD
Historical Trading Range
$10.43 -
$11.29
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
82.9%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 36.6% below Wall St target ($14.00)
- BULLISH: Expecting earnings turnaround to 7.9% growth with -1.4% revenue growth
- CAUTION: Recommendation downgraded due to -7.3% 5-day decline
Trading Range Analysis
30-Day Trading Range
$10.43 -
$11.29
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$10.03
Resistance Level
$11.65
Current Trend
Downtrend
Technical data as of
Jul 17, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.10
Wall Street Target
$14.00
(+36.6%)
Revenue Growth (YoY)
-1.4%
Earnings Growth (YoY)
-9.9%
Profit Margin
31.3%
Valuation Premium vs History
+7.9% premium
PE vs Historical
10.1 vs 8.0
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+7.9%
(market-implied from PE analysis)
1-Year Target
$11.06
(+8%)
2-Year Target
$11.93
(+16%)
3-Year Target
$12.88
(+26%)
3-Yr Target (if PE normalizes)
(PE: 10→8)
PE COMPRESSION
$10.20
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.0, Growth: 5.7%)
$25.20
(+146%)
Base:
(SPY PE: 10.1, Growth: 5.7%)
$12.11
(+18%)
Bear:
(PE: 8.0, Growth: 5.7%)
$9.60
(-6%)
📈
Valuation based on Current Earnings
Trailing PE: 4.85 | Current EPS (TTM): $2.14
Bull Case
$5.70
(-44%)
Analyst growth -50.0%, PE expands to 5.3
Base Case
$5.19
(-49%)
Market implied -50.0%, PE stable at 4.9
Bear Case
$7.05
(-31%)
Severe decline -20.0%, PE contracts to 4.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 20, 2026 1:56 PM ET
Data refreshes hourly during market hours. Next update: 2:56 PM
Data refreshes hourly during market hours. Next update: 2:56 PM
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Technical Signals Check
Is ACIC showing a specific setup today?
Insider Activity (6 Months)
3
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
Kern Michael Davis
BUY
1400 shares
2026-03-04
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