ACIC Stock Analysis: Buy, Sell, or Hold?
ACIC - American Coastal Insurance Corporation Common Stock
$11.54
0.16 (1.41%)
▲
5d:
+7.25%
30d:
+10.64%
90d:
+5.0%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ACIC shows positive signals but monitor for confirmation. Market pricing in 6.8% growth. Moderate conviction.
💡 BUY OPPORTUNITY: ACIC shows positive signals but monitor for confirmation. Market pricing in 6.8% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$18.46
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$11.46
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 7.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ACIC is currently trading at $11.54, which is considered extended relative to its 30-day fair value range of $10.25 to $11.01. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.6) compared to its historical average (7.9). At these levels, the market is pricing in 6.8% annual earnings growth.
Technical Outlook: Technically, ACIC is in a downtrend. The price is approaching resistance at $11.73. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $14.00 (+21.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ACIC is in a downtrend. The price is approaching resistance at $11.73. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: ACIC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $14.00 (+21.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$10.25 -
$11.01
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
65.2%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.3% below Wall St target ($14.00)
- BULLISH: Expecting earnings turnaround to 6.8% growth with -1.4% revenue growth
Trading Range Analysis
30-Day Trading Range
$10.25 -
$11.01
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$10.42
Resistance Level
$11.73
Current Trend
Downtrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.62
Wall Street Target
$14.00
(+21.3%)
Revenue Growth (YoY)
-1.4%
Earnings Growth (YoY)
-9.9%
Profit Margin
31.3%
Valuation Premium vs History
+6.8% premium
PE vs Historical
9.6 vs 7.9
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.8%
(market-implied from PE analysis)
1-Year Target
$12.32
(+7%)
2-Year Target
$13.16
(+14%)
3-Year Target
$14.06
(+22%)
3-Yr Target (if PE normalizes)
(PE: 10→8)
PE COMPRESSION
$11.55
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 25.7%)
$51.85
(+349%)
Base:
(SPY PE: 9.6, Growth: 25.7%)
$22.89
(+98%)
Bear:
(PE: 7.9, Growth: 25.7%)
$18.81
(+63%)
📈
Valuation based on Current Earnings
Trailing PE: 5.32 | Current EPS (TTM): $2.14
Bull Case
$7.02
(-39%)
Analyst growth -43.9%, PE expands to 5.9
Base Case
$6.38
(-45%)
Market implied -43.9%, PE stable at 5.3
Bear Case
$7.74
(-33%)
Severe decline -20.0%, PE contracts to 4.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 9:05 PM ET
Data refreshes hourly during market hours. Next update: 10:05 PM
Data refreshes hourly during market hours. Next update: 10:05 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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