American Coastal Insurance Corporation
ACICFinancial Services · Stock · quarterly payer
Forward Yield
8.16%
Annual Dividend
$0.75
Payout Ratio
0%
5-Yr Growth
52.8%
Ex-Date
Jan 2, 2026
Frequency
Quarterly
Summary
As of September 2026, American Coastal Insurance Corporation (ACIC) yields 8.16% ($0.75 per share annually), with a blended fair-value estimate of $12.22 — +33% 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 8.16% ($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
- 140% total price return over 5 years
Risks
- Cut its dividend in 2013
- Very high yield can signal elevated risk
Key Data
- Dividend Yield
- 8.16%
- 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
- -0.48
- Market Cap
- $434.4M
- P/E Ratio
- 4.5
- 5-Yr Total Return
- 140%
- 52-Week Range
- $9.06 – $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
-22%
3 Years
+23%
5 Years
+140%
52-Week Range
$9.06 – $13.06
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is ACIC worth?
Undervaluedmedium confidenceOur blended fair-value estimate for American Coastal Insurance Corporation is $12.22 per share, versus a market price of $9.18. That implies 33% of upside — a margin of safety of about 25%.
Fair Value
$12.22
Current Price
$9.18
Upside
+33%
Margin of Safety
25%
How we get there
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, $2.02 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
Similar Dividend Stocks
Compare ACIC
Explore more
Lists and tools related to ACIC