EX-99.1 2 acic-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE AMERICAN COASTAL INSURANCE CORPORATION REPORTS FINANCIAL RESULTS FOR ITS FOURTH QUARTER AND YEAR ENDED DECEMBER 31, 2025 Company to Host Quarterly Conference Call at 5:00 P.M. ET on February 19, 2026 The information in this press release should be read in conjunction with an earnings presentation that is available on the Company's website at investors.amcoastal.com/events-and-presentations. St. Petersburg, FL - February 19, 2026: American Coastal Insurance Corporation (Nasdaq: ACIC) ("ACIC" or the "Company"), a property and casualty insurance holding company, today reported its financial results for the fourth quarter and year ended December 31, 2025. ($ in thousands, except for per share data) Three Months Ended December 31, Year Ended December 31, 2025 2024 Change 2025 2024 Change ──…
Open exhibit ↗Current Report · Items 2.02, 7.01, 9.01 · 8-K
AMERICAN COASTAL INSURANCE Corp
Results of Operations and Financial Condition · Regulation FD Disclosure
Item 2.02 Results of Operations and Financial Condition. On February 19, 2026, American Coastal Insurance Corporation (the Company, we, our) issued a press release relating to our earnings for the quarter and year ended December 31, 2025 (the Earnings Release). We have attached a copy of the Earnings Release as Exhibit 99.1.
Company context
American Coastal Insurance Corporation (amcoastal.com) is the holding company of the insurance carrier, American Coastal Insurance Company, which was founded in 2007 for the purpose of insuring Condominium and Homeowner Association properties, Apartments and Assisted Living Facilities in the state of Florida. American Coastal Insurance Company has an exclusive partnership for distribution of Condominium Association properties in the state of Florida with AmRisc Group (amriscgroup.com), one of the largest Managing General Agents in the country specializing in hurricane-exposed properties. American Coastal Insurance Company has earned an “A”, (“Exceptional”) Financial Stability Rating from Demotech and maintains an “A” insurance financial strength rating with a Stable outlook from KBRA. ACIC maintains a “BBB” issuer rating with a Stable outlook from KBRA.
Historical securities (1)
Recent company filings
Disclosure sections
Item 2.02Item 2.02 - Results of Operations
Item 7.01Item 7.01 - Regulation FD Disclosure
Filed exhibits (2)
EX-99.2 3 acic-ex99_2.htm EX-99.2 4th Quarter 2025 February 19, 2026 Earnings Presentation Company Overview ACIC is a specialty underwriter of catastrophe exposed commercial property insurance. American Coastal Insurance Corp. (Nasdaq: ACIC) is the insurance holding company for American Coastal Insurance Company (AmCoastal), a Florida domiciled P&C carrier, and Skyway Underwriters (SKU), a managing general agency, along with other operating affiliates. AmCoastal is a balance sheet underwriter and has the #1 market share of commercial residential property insurance in Florida with roughly 4,300 policies and $612 million of premium in-force. AmCoastal has earned an underwriting profit every year since its inception in 2007. SKU is an MGA focused on producing & underwriting commercial property insurance on behalf of our risk bearing entities. ACIC as of December 31, 2025 Total Assets: $1.07 billion Total Equity: $317.6 million Annualized Revenue: $335.4 million Employees: 68 Headquarters: St. Petersburg, FL Credit Rating: BBB- Specialty Commercial Property Managing General Agency Executive Summary 4Q-25 Results Non-GAAP Core Income of $25.8m ($0.52) increased $19.8m (+330.0%) fr…
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