What is ACIC's Value Score?

American Coastal Insurance Corporation - Common Stock (ACIC) has a StockPik Value Score of 100 out of 100 — a high score, indicating strong value characteristics across multiple metrics. The Value Score is a composite ranking built from P/E ratio, P/B ratio, Graham Number, ROE, gross margin, debt-to-equity, current ratio, and Piotroski F-Score, calculated from SEC EDGAR annual filing data.

What is ACIC's Piotroski F-Score?

American Coastal Insurance Corporation - Common Stock (ACIC) has a Piotroski F-Score of 5 out of 9 — a moderate score. The F-Score assesses nine binary financial criteria across profitability, leverage, and operating efficiency. A score of 7–9 indicates a financially improving company; a score of 0–3 is a warning sign.

Is ACIC trading below its Graham Number?

ACIC is currently trading below its Graham Number. The stock price of $9.86 is 45.4% below the Graham Number of $18.07, representing a margin of safety by Benjamin Graham's definition. The Graham Number is calculated as √(22.5 × EPS × Book Value Per Share) and represents Benjamin Graham's ceiling price for a defensive investor.

What is ACIC's Graham Number?

ACIC's Graham Number is $18.07, calculated using the Benjamin Graham formula √(22.5 × EPS × Book Value per Share). The Graham Number is an estimate of intrinsic value — the maximum price a defensive investor should pay. At the current price of $9.86, ACIC is trading 45% below its Graham Number.

What is ACIC's Piotroski F-Score?

ACIC's Piotroski F-Score is 5 out of 9, indicating moderate financial health. The Piotroski F-Score evaluates nine criteria across profitability, leverage, and operating efficiency. Scores of 7 or above are considered strong; 3 or below indicate financial weakness.

What is ACIC's P/E ratio?

ACIC's trailing P/E ratio is 4.8x — a low earnings multiple, suggesting the stock may be undervalued relative to its earnings. The Financial Services sector average P/E is 18.6x. Compare against other Financial Services stocks in the StockPik screener.

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American Coastal Insurance Corporation - Common Stock (ACIC)

NASDAQ Small Cap

Financial Services › Fire, Marine & Casualty Insurance

$9.86

Market Cap: $478M

Data as of Jun 30, 2026 (TTM)

Price History

Feb 9, 2026 — Aug 17, 2026

Investment Snapshot

Trading 45% below Graham Number ($18.07) — significant margin of safety
Piotroski F-Score 5/9 — moderate financial health
Strong ROE of 29.4% with 30.3% net margin
Revenue growing at 13% annually

American Coastal Insurance Corporation - Common Stock (ACIC) is a Financial Services company operating in Fire, Marine & Casualty Insurance, listed on the NASDAQ , with a market capitalisation of $478 million . Key value metrics: P/E ratio 4.8, P/B ratio 1.40, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

100

out of 100

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Key Metrics

P/E Ratio

4.78

P/B Ratio

1.40

EPS

$2.06

Div. Yield

7.6%

PEG Ratio

—

P/S Ratio

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EV/EBITDA

—

ROE

—

ROA

—

Gross Margin

—

Op. Margin

—

Net Margin

—

Debt/Equity

—

Current Ratio

—

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Current vs 5-Year Average

Based on 5 years of SEC filings

Net Margin

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↑ +2.1pp avg —

Gross Margin

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↑ +2.1pp avg —

Operating Margin

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↑ +2.1pp avg —

Return on Equity

—

↑ +2.1pp avg —

Debt / Equity

—

↑ +2.1pp avg —

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Revenue & Net Income

Profit Margins

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EPS & Free Cash Flow Per Share

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Financial Statements

Metric	FY22	FY23	FY24
Revenue	$X.XB	$X.XB	$X.XB
Gross Profit	$X.XB	$X.XB	$X.XB
Operating Income	$X.XB	$X.XB	$X.XB
Net Income	$X.XB	$X.XB	$X.XB
EBITDA	$X.XB	$X.XB	$X.XB
Total Assets	$X.XB	$X.XB	$X.XB
Total Liabilities	$X.XB	$X.XB	$X.XB

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Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

American Coastal Insurance Corporation - Common Stock — Fundamental Analysis Summary

American Coastal Insurance Corporation - Common Stock (ACIC) is trading 45% below its Graham Number of $18.07 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 4.8x.

On financial health, ACIC shows a moderate Piotroski F-Score of 5/9, and strong return on equity of 29.4% (sector average: 5.4%), and manageable leverage with a debt-to-equity ratio of 0.44.

StockPik's composite Value Score for ACIC is 100/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

ACIC shows revenue growing at 13% year-over-year, with earnings growing at 41%.

ACIC pays a high dividend yield of 7.6%.

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ADAM	Adamas Trust, Inc. - Common Stock	$10.12	5.8	100
ATLCL	Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026	$25.11	2.5	100
ACGLN	Arch Capital Group Ltd. - Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	$16.27	1.2	100
ACGLO	Arch Capital Group Ltd. - Depositary Shares Each Representing 1/1,000th Interest in a Share of5.45% Non-Cumulative Preferred Shares, Series F	$19.39	1.4	100

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How is the Value Score calculated?

Read our full methodology →

What is the margin of safety?

How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →

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