American Coastal Insurance Corporation
ACICFinancial Services · Stock · quarterly payer
Forward Yield
7.27%
Annual Dividend
$0.75
Payout Ratio
0%
5-Yr Growth
52.8%
Ex-Date
Jan 2, 2026
Frequency
Quarterly
Summary
As of July 2026, American Coastal Insurance Corporation (ACIC) yields 7.27% ($0.75 per share annually), with a blended fair-value estimate of $21.61 — +111% upside, so it screens as undervalued. Dividend safety grade: C (57/100). 1 years of dividend growth.
Is ACIC a good dividend stock?
MixedAmerican Coastal Insurance Corporation (ACIC) pays a quarterly dividend yielding 7.27% ($0.75/yr), with 1 year of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.
Advantages
- Strong 52.8% 5-yr dividend growth
- 169% total price return over 5 years
Risks
- Cut its dividend in 2013
Key Data
- Dividend Yield
- 7.27%
- Payout Ratio
- 0%
- Annual Dividend
- $0.75
- 5-Yr Avg Growth
- 52.8%
- Ex-Dividend Date
- Jan 2, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- -0.52
- Market Cap
- $499.7M
- P/E Ratio
- 4.8
- 5-Yr Total Return
- 169%
- 52-Week Range
- $9.80 – $13.06
- Dividend Safety
- C · 57/100
- Ever Cut?
- Yes (2013)
Frequently Asked Questions
ACIC Price — Last 12 Months
Daily close
Price Return
1 Year
-7%
3 Years
+37%
5 Years
+169%
52-Week Range
$9.80 – $13.06
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is ACIC worth?
Undervaluedlow confidenceOur blended fair-value estimate for American Coastal Insurance Corporation is $21.61 per share, versus a market price of $10.25. That implies 111% of upside — a margin of safety of about 53%.
Fair Value
$21.61
Current Price
$10.25
Upside
+111%
Margin of Safety
53%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.3% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $2.14 EPS, $0.75 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
ACIC Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jan 2, 2026 | — | $0.7500 | regular |
| Jan 2, 2025 | — | $0.5000 | regular |
| Mar 8, 2022 | — | $0.0600 | regular |
| Nov 19, 2021 | — | $0.0600 | regular |
| Aug 9, 2021 | — | $0.0600 | regular |
| May 14, 2021 | — | $0.0600 | regular |
| Mar 1, 2021 | — | $0.0600 | regular |
| Nov 20, 2020 | — | $0.0600 | regular |
| Aug 10, 2020 | — | $0.0600 | regular |
| May 18, 2020 | — | $0.0600 | regular |
| Mar 3, 2020 | — | $0.0600 | regular |
| Nov 18, 2019 | — | $0.0600 | regular |
| Aug 13, 2019 | — | $0.0600 | regular |
| May 13, 2019 | — | $0.0600 | regular |
Income Calculator
At $0.75 / yr per share
