ACIC American Coastal Insurance Corporation - Common Stock
NASDAQ · Insurance · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$9.33
· of 52w range
· above low
· to high
$9.0152w low
$13.0452w high
Market Cap (MRQ)
$441M
P/E (TTM)
4.6
EPS (TTM)
$2.02
Revenue (TTM)
$331M
your badges
52W Range
$9–$13
Analyst Rating
BUY
Price Target
$13
P/E
4.6
ROE
31.7%
Net Profit Margin
30.3%
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ACIC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$9.33
Market Cap (MRQ)
$441M
P/E (TTM)
4.6
EPS (TTM)
$2.02
Revenue (TTM)
$331M
Div Yield
0.00%
ROE (TTM)
31.7%
52W Range
$9–$13
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About American Coastal Insurance Corporation - Common Stock Company overview from Wikipedia
United Property & Casualty Insurance Company, Inc. (UPC Insurance) is an American property and casualty insurance company with headquarters in Florida. It writes commercial, residential, homeowners’, and flood insurance policies in several coastal states.
As of 2019, UPC Insurance had about 159,170 active policies, accounting for just over 2.5 percent market share.
## History
UPC Insurance was founded in 1999 in St. Petersburg, Florida.
In 2012, John Forney was named CEO. Forney is a former U.S. Army infantry officer and graduate of Ranger School. Before joining UPC Insurance, he served in several capacities at Raymond James Financial.
In 2014, UPC Insurance purchased the AAA Auto South building, which had been owned by the Peninsula Motor Club Inc. since 1987, as its new headquarters. The company tried to acquire Family Security Holdings LLC but never completed the $9 million deal. Also in 2014, Judy Copechal, Chief Underwriting Officer at UPC Insurance, was named as one of the Top 10 Women in Insurance Leadership by Insurance Networking News.
In 2015, UPC Insurance acquired Interboro Insurance Company, a property and casualty insurance company authorized in New York, Alabama, South Carolina, Washington, D.C., and Louisiana, from Interboro, LLC for $57 million. The company also participated in the Texas Windstorm Insurance Association (TWIA) Depopulation Program.
In 2017, UPC Insurance merged with American Coastal Insurance Co. Journey Insurance Company offers homeowners and commercial residential property insurance through independent agents and brokers in Florida, South Carolina, and Texas. It received an “A−“ Financial Strength Rating and “a-“ Issuer Credit Rating from A.M. Best.
In 2018, UPC Insurance announced plans to build another new headquarters in downtown St. Petersburg, the first new office construction in the area since the Duke Energy Florida headquarters in 2007. The company also collaborated with R.J. Kiln & Co., a subsidiary of Tokio Marine Kiln, to form a property and casualty insurance subsidiary called Journey Insurance Company.
In 2019, UPC Insurance reported first-quarter catastrophe losses of $13 million after-tax due to several catastrophic events, including the Brevard County hailstorm, as well as possible loss creep from Hurricane Irma and Hurricane Michael.
UPC announced in August 2022 that they would leave the Florida Property Insurance market with a plan to cancel all remaining policies May 31, 2023 before the start of the hurricane season on June 1. Hurricane Ian struck Florida the following month near Fort Myers. UPC policies were concentrated in Southwest Florida and the company experienced 25,000 claims. The company initially projected losses of $660 million but by the end of 2022, losses were revised to $864 million.
When UPC notified Florida's Office of Insurance Regulation of their dire financial situation, the Insurance Commissioner sent a letter to CFO Jimmy Patronis to seek court approval to place UPC into receivership. In early February 2023 Slide Insurance assumed 72,000 of the 135,000 UPC policies. Less than a week later, UPC was declared insolvent.
== References ==
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancials
industryInsurance
employees68
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$335M2020-12-31 → 2025-12-31
EPS$2.152020-12-31 → 2025-12-31
Free Cash Flow$71M2020-12-31 → 2025-12-31
Net margin30.3%2020-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ACIC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 4.65Y avg ≈4.0 | ≈4.0 | 10.5 | Undervalued | |
| P/S (TTM) | 1.35Y avg ≈1.5 | ≈1.5 | 1.6 | Fair value | |
| P/B (MRQ) | 1.35Y avg ≈1.8 | ≈1.8 | 1.7 | Fair value | |
| Price / FCF (TTM) | -14.25Y avg ≈2.0 | ≈2.0 | · | · | |
| Price / Cash Flow (TTM) | -14.45Y avg ≈2.0 | ≈2.0 | 6.4 | Pricier | |
| Price / Tangible Book (MRQ) | 1.35Y avg ≈3.5 | ≈3.5 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ACIC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Operating Margin (TTM) | 40.2%5Y avg ≈1.7% | ≈1.7% | · | · | |
| EBITDA Margin (TTM) | 40.8%5Y avg ≈2.9% | ≈2.9% | 4.7% | Top tier | |
| Pretax Margin (TTM) | 40.3%5Y avg ≈2.8% | ≈2.8% | 18.9% | Top tier | |
| Net Profit Margin (TTM) | 30.3%5Y avg ≈15.6% | ≈15.6% | 16.4% | Top tier | |
| ROA (TTM) | 7.7%5Y avg ≈2.0% | ≈2.0% | 6.2% | Top tier | |
| ROE (TTM) | 31.7%5Y avg ≈301.2% | ≈301.2% | 16.7% | Top tier | |
| ROIC | 33.1%5Y avg ≈94.1% | ≈94.1% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | ACIC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Interest Coverage | 13.05Y avg ≈-4.4 | ≈-4.4 | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ACIC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 13.1%5Y avg ≈10.4% | ≈10.4% | · | · | |
| Revenue CAGR 3Y | 14.8%5Y avg ≈-2.8% | ≈-2.8% | · | · | |
| Revenue CAGR 5Y | -16.9% | · | · | · | |
| EPS YoY | 39.6% | · | · | · | |
| Net Income YoY | 41.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ACIC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.35Y avg ≈0.2 | ≈0.2 | 0.4 | Below avg | |
| Revenue / Employee | ≈$4.9M | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.00%
Payout Ratio0.00%
Annualized Payout≈$3.00
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jan 2, 2026 | $0.75 | USD | ≈6.6% |
| Jan 2, 2025 | $0.50 | USD | ≈3.9% |
| Mar 8, 2022 | $0.06 | USD | ≈7.0% |
| Nov 19, 2021 | $0.06 | USD | ≈5.2% |
| Aug 9, 2021 | $0.06 | USD | ≈6.1% |
| May 14, 2021 | $0.06 | USD | ≈4.1% |
| Mar 1, 2021 | $0.06 | USD | ≈3.4% |
| Nov 20, 2020 | $0.06 | USD | ≈5.2% |
| Aug 10, 2020 | $0.06 | USD | ≈2.6% |
| May 18, 2020 | $0.06 | USD | ≈2.9% |
| Mar 3, 2020 | $0.06 | USD | ≈2.4% |
| Nov 18, 2019 | $0.06 | USD | ≈1.9% |
| Aug 13, 2019 | $0.06 | USD | ≈2.1% |
| May 13, 2019 | $0.06 | USD | ≈1.7% |
| Mar 5, 2019 | $0.06 | USD | ≈1.5% |
| Nov 19, 2018 | $0.06 | USD | ≈1.3% |
| Aug 10, 2018 | $0.06 | USD | ≈1.2% |
| May 21, 2018 | $0.06 | USD | ≈1.1% |
| Mar 6, 2018 | $0.06 | USD | ≈1.3% |
| Nov 21, 2017 | $0.06 | USD | ≈1.5% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-5.8%
Next Report
Nov 03, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 12, 2026 | $0.33 | $0.43 | -23.0% |
| March 31, 2026 | May 7, 2026 | $0.39 | $0.45 | -13.1% |
| Dec. 31, 2025 | $0.52 | $0.43 | 21.4% | |
| Sept. 30, 2025 | $0.61 | $0.40 | 53.3% | |
| June 30, 2025 | $0.54 | $2.29 | -76.5% | |
| March 31, 2025 | $0.42 | $0.41 | 2.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $335M | $297M | $264M | $222M | $229M | $847M | $825M | $724M | $654M | $487M | $358M | $280M | |
| SG&A Expense | $40M | $45M | $38M | $44M | $31M | $72M | $66M | $66M | $82M | $43M | $30M | $20M | |
| Operating Expenses | $195M | $197M | $171M | $230M | $239M | $979M | $858M | $728M | $28M | $21M | $15M | $12M | |
| Operating Income | $140M | $100M | $94M | $-9M | $-11M | $-132M | $-33M | $-4M | $757.0K | $7M | $42M | $64M | |
| Interest Expense | $11M | $12M | $11M | $9M | $9M | $10M | $10M | $10M | $3M | $723.0K | $326.0K | $410.0K | |
| Other Non-op | $2M | $2M | $2M | $10M | $129.0K | $74.0K | $119.0K | $116.0K | $153.0K | $100.0K | $294.0K | $77.0K | |
| Pretax Income | $143M | $102M | $96M | $2M | $-10M | $-132M | $-33M | $-4M | $910.0K | $7M | $42M | $64M | |
| Income Tax | $36M | $25M | $11M | $26M | $-7M | $-37M | $-3M | $-5M | $-9M | $1M | $15M | $23M | |
| Net Income | $107M | $76M | $310M | $-470M | $-58M | $-96M | $-30M | $290.0K | $10M | $6M | $27M | $41M | |
| EPS (Basic) | $2.20 | $1.59 | $7.11 | $-10.91 | $-1.35 | $-2.25 | $-0.70 | $0.01 | $0.27 | $0.27 | $1.29 | $2.06 | |
| EPS (Diluted) | $2.15 | $1.54 | $6.98 | $-10.91 | $-1.35 | $-2.25 | $-0.70 | $0.01 | $0.27 | $0.26 | $1.28 | $2.05 | |
| Shares (Basic) | 48,476,824 | 47,831,412 | 43,596,432 | 43,052,070 | 42,948,850 | 42,864,166 | 42,763,423 | 42,650,629 | 37,152,768 | 21,417,486 | 21,218,233 | 19,933,652 | |
| Shares (Diluted) | 49,782,993 | 49,362,985 | 44,388,804 | 43,052,070 | 42,948,850 | 42,864,166 | 42,763,423 | 42,838,886 | 37,375,340 | 21,614,443 | 21,452,540 | 20,045,907 | |
| EBITDA | $144M | $104M | $91M | $-449M | $-76M | $-126M | $-26M | $-133.0K | $7M | · | $43M | $65M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $199M | $137M | $139M | $71M | $212M | $239M | $215M | $113M | $230M | $151M | $85M | $61M | |
| PP&E (Net) | $723.0K | $6M | $4M | $5M | $32M | $34M | $33M | $17M | $17M | $18M | $17M | $8M | |
| PP&E (Gross) | $9M | $14M | $9M | $11M | $58M | $60M | $52M | $30M | $30M | $25M | $22M | $11M | |
| Accum. Depreciation | $8M | $9M | $5M | $6M | $26M | $25M | $19M | $13M | $13M | $7M | $5M | $3M | |
| Goodwill | $59M | $59M | $59M | $70M | $73M | $73M | $73M | $73M | $73M | $14M | $3M | $0 | |
| Intangibles | $3M | $6M | $9M | $13M | $18M | $22M | $26M | $31M | $45M | $12M | $5M | · | |
| Total Assets | $1.07B | $1.22B | $1.06B | $2.84B | $2.70B | $2.85B | $2.47B | $2.32B | $2.06B | $1000M | $740M | $584M | |
| Deferred Tax | · | · | · | $177.0K | · | · | · | · | · | · | · | · | |
| Total Liabilities | $755M | $980M | $894M | $3.02B | $2.37B | $2.43B | $1.94B | $1.78B | $1.52B | $758M | $501M | $380M | |
| Long-term Debt | $150M | $150M | $150M | $150M | $159M | $160M | $162M | $163M | $165M | $54M | $12M | $14M | |
| Common Stock | $5.0K | $5.0K | $5.0K | $4.0K | $4.0K | $4.0K | $4.0K | $4.0K | $4.0K | $2.0K | $2.0K | $2.0K | |
| Paid-in Capital | $440M | $437M | $424M | $396M | $394M | $393M | $392M | $389M | $387M | $99M | $97M | $82M | |
| Retained Earnings | $-115M | $-185M | $-237M | $-546M | $-75M | $-7M | $100M | $141M | $141M | $142M | $141M | $118M | |
| Treasury Stock | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | |
| AOCI | $-7M | $-16M | $-17M | $-31M | $-7M | $10M | $11M | $-9M | $9M | $822.0K | $2M | $4M | |
| Stockholders' Equity | $318M | $236M | $169M | $-182M | $332M | $396M | $503M | $520M | $537M | $241M | $239M | $204M | |
| Liabilities + Equity | $1.07B | $1.22B | $1.06B | $2.84B | $2.70B | $2.85B | $2.47B | $2.32B | $2.06B | $1000M | $740M | $584M | |
| Shares Outstanding | 48,764,802 | 48,204,962 | 46,777,006 | 43,280,173 | 43,370,442 | 43,075,877 | 43,028,074 | 42,984,578 | 42,753,054 | 21,646,614 | 21,524,348 | 20,904,414 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $4M | $5M | $1M | $5M | $6M | $6M | $6M | $4M | $6M | $2M | $2M | $731.0K | |
| Stock-based Comp | $4M | $3M | $1M | $1M | $1M | $1M | $3M | $2M | $3M | $2M | $2M | $649.0K | |
| Amort. of Intangibles | $2M | $3M | $3M | $3M | $4M | $4M | $5M | $14M | $31M | $11M | $3M | $460.0K | |
| Other Non-cash | $-44M | $160M | $-449M | $289M | $-247M | $78M | $170M | $3M | $-4M | · | $67M | $27M | |
| Operating Cash Flow | $71M | $244M | $-136M | $-173M | $-295M | $-10M | $149M | $26M | $36M | $66M | $98M | $69M | |
| CapEx | $155.0K | $22.0K | $196.0K | $3M | $5M | $11M | $22M | $4M | $5M | $3M | $11M | $6M | |
| Investing Cash Flow | $620.0K | $-179M | $-3M | $237M | $251M | $37M | $-34M | $-126M | $-7M | $-50M | $-67M | $-91M | |
| Debt Issued | · | · | · | · | · | · | $0 | $0 | $150M | $35M | $0 | $0 | |
| Net Debt Issued | · | · | · | $-4M | $-2M | $-1M | $-2M | $-2M | $110M | · | $-3M | $-1M | |
| Stock Issued | $774.0K | $12M | $27M | $0 | · | · | · | · | · | $0 | $0 | $54M | |
| Net Stock Activity | $774.0K | $12M | $27M | · | · | · | · | · | · | · | $0 | $54M | |
| Dividends Paid | $0 | $24M | $0 | $3M | $10M | $10M | $10M | $10M | $9M | $5M | $4M | $3M | |
| Financing Cash Flow | $-1M | $-14M | $27M | $-25M | $-12M | $-12M | $-12M | $8M | $97M | $50M | $-8M | $49M | |
| Net Change in Cash | · | · | · | · | · | · | · | · | $126M | $66M | $23M | $27M | |
| Free Cash Flow | $71M | $243M | $-136M | $-176M | $-301M | $-21M | $127M | $6M | $9M | · | $87M | $63M | |
| Levered FCF | $63M | $234M | $-146M | $-186M | $-307M | $-28M | $118M | $7M | $-27M | · | $87M | $62M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 41.8% | 33.6% | 31.3% | -99.9% | -13.2% | -15.6% | -4.0% | -0.60% | 0.12% | · | 11.6% | 23.0% | |
| Net Margin | 31.9% | 25.5% | 108.2% | -103.2% | -9.1% | -11.4% | -3.6% | 0.04% | 1.6% | · | 7.6% | 14.6% | |
| Pretax Margin | 42.5% | 34.3% | 32.1% | -97.6% | -13.2% | -15.6% | -4.0% | -0.59% | 0.14% | · | 11.7% | 23.0% | |
| EBITDA Margin | 43.0% | 35.2% | 31.9% | -98.5% | -12.0% | -14.8% | -3.2% | -0.02% | 1.0% | · | 12.1% | 23.2% | |
| ROA | 9.3% | 6.7% | 15.9% | -23.7% | -1.9% | -3.6% | -1.2% | 0.01% | 0.66% | · | 4.1% | 8.0% | |
| ROE | 35.0% | 30.6% | 214.2% | 924.9% | -16.4% | -21.5% | -5.8% | 0.05% | 2.6% | · | 12.3% | 26.4% | |
| ROIC | 33.1% | 31.7% | 47.5% | 264.2% | -19.2% | -24.1% | -5.9% | 0.08% | 1.6% | · | 11.4% | 20.1% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | 13.0 | 8.3 | 8.3 | -47.3 | -8.9 | -13.8 | -3.3 | -0.4 | 0.2 | · | 127.5 | 156.9 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.3 | 0.3 | 0.1 | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 | 0.4 | · | 0.5 | 0.5 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $6.51 | $4.89 | $3.61 | $-4.21 | $7.20 | $9.19 | $11.69 | $12.10 | $12.56 | · | $11.11 | $9.75 | |
| Revenue / Share | $6.74 | $6.01 | $6.46 | $10.58 | $14.77 | $19.75 | $19.29 | $16.90 | $17.51 | · | $16.67 | $13.98 | |
| Cash Flow / Share | $1.43 | $4.93 | $-3.06 | $-4.02 | $-6.88 | $-0.24 | $3.48 | $0.24 | $0.38 | · | $4.58 | $3.44 | |
| Cash / Share | $4.08 | · | · | $5.31 | $4.89 | $5.56 | $5.01 | $2.62 | $6.46 | · | $3.94 | $2.94 | |
| Dividend / Share | $0.75 | $0.50 | · | · | · | · | · | · | $0.24 | $0.23 | $0.20 | $0.16 | |
| EPS (TTM) | $2.15 | $1.54 | $6.98 | $-10.91 | $-1.35 | $-2.25 | $-0.70 | $0.01 | $0.27 | $0.26 | $1.28 | $2.05 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 13.1% | 12.2% | 19.3% | -3.1% | -73.0% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 14.8% | 9.1% | -32.1% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -16.9% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 39.6% | -77.9% | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 41.1% | -75.6% | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $335M | $297M | $264M | $222M | $229M | $847M | $825M | $724M | $654M | $487M | $358M | $280M | |
| Net Income TTM | $107M | $76M | $310M | $-470M | $-58M | $-96M | $-30M | $290.0K | $10M | $6M | $27M | $41M | |
| Market Cap | $616M | $649M | $443M | $46M | $188M | $246M | $543M | $714M | $737M | · | $368M | $459M | |
| P/E | 5.9 | 8.7 | 1.4 | -0.1 | -3.2 | -2.5 | -18.0 | 1662.0 | 63.9 | 58.2 | 13.4 | 10.7 | |
| P/S | 1.8 | 2.2 | 1.7 | 0.2 | 0.8 | 0.3 | 0.7 | 1.0 | 1.1 | · | 1.0 | 1.6 | |
| P/B | 1.9 | 2.8 | 2.6 | -0.3 | 0.6 | 0.6 | 1.1 | 1.4 | 1.4 | · | 1.5 | 2.3 | |
| P / Tangible Book | 2.4 | 3.8 | 4.4 | · | 0.8 | 0.8 | · | · | · | · | · | · | |
| P / Cash Flow | 8.7 | 2.7 | -3.3 | -0.3 | -0.6 | -23.5 | 3.6 | 70.6 | 51.5 | · | 3.7 | 6.7 | |
| P / FCF | 8.7 | 2.7 | -3.2 | -0.3 | -0.6 | -11.6 | 4.3 | 118.1 | 81.3 | · | 4.2 | 7.3 | |
| Dividend Yield | 0.00% | 3.7% | 0.00% | 5.6% | 5.5% | 4.2% | 1.9% | 1.4% | 1.2% | · | 1.2% | 0.73% | |
| Earnings Yield | 17.0% | 11.4% | 73.8% | -1029.2% | -31.1% | -39.3% | -5.5% | 0.06% | 1.6% | 1.7% | 7.5% | 9.3% | |
| Payout Ratio | 0.00% | 31.8% | · | -0.55% | -17.9% | -10.7% | -34.4% | 3540.7% | 88.6% | · | 15.7% | 8.1% | |
| Annual Payout | $0 | $24M | $0 | $3M | $10M | $10M | $10M | $10M | $9M | $5M | $4M | $3M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $83M | $71M | $86M | $90M | $86M | $72M | $79M | $82M | $69M | $67M | $48M | $53M | $74M | $90M | $-76M | $124M | |
| SG&A Expense | $10M | $11M | $12M | $11M | $8M | $10M | $11M | $10M | $12M | $11M | $16M | $6M | $6M | $9M | $-5M | $26M | |
| Operating Expenses | $54M | $46M | $49M | $49M | $50M | $47M | $70M | $46M | $45M | $36M | $27M | $34M | $52M | $57M | $-174M | $195M | |
| Operating Income | $28M | $26M | $37M | $42M | $36M | $25M | $9M | $36M | $24M | $31M | $21M | $18M | $22M | $33M | $98M | $-71M | |
| Interest Expense | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | |
| Other Non-op | $-48.0K | $212.0K | $-657.0K | $665.0K | $1M | $1M | $-11.0K | $453.0K | $811.0K | $810.0K | $1M | $-237.0K | $806.0K | $588.0K | $9M | $-15.0K | |
| Pretax Income | $28M | $26M | $37M | $42M | $38M | $26M | $9M | $37M | $25M | $31M | $22M | $18M | $22M | $34M | $106M | $-71M | |
| Income Tax | $7M | $6M | $10M | $10M | $10M | $6M | $3M | $9M | $6M | $8M | $3M | $3M | $1M | $3M | $-9M | $87.0K | |
| Net Income | $22M | $19M | $27M | $32M | $26M | $21M | $5M | $28M | $19M | $24M | $14M | $11M | $18M | $267M | $-297M | $-71M | |
| EPS (Basic) | $0.46 | $0.40 | $0.54 | $0.67 | $0.55 | $0.44 | $0.10 | $0.59 | $0.40 | $0.50 | $0.27 | $0.24 | $0.41 | $6.19 | $-6.89 | $-1.65 | |
| EPS (Diluted) | $0.44 | $0.39 | $0.54 | $0.65 | $0.53 | $0.43 | $0.10 | $0.57 | $0.39 | $0.48 | $0.19 | $0.24 | $0.41 | $6.14 | $-6.89 | $-1.65 | |
| Shares (Basic) | 48,094,148 | 48,546,290 | · | 48,664,597 | 48,434,446 | 48,135,231 | · | 48,066,358 | 47,821,115 | 47,323,356 | · | 43,301,388 | 43,229,416 | 43,124,825 | · | 43,075,234 | |
| Shares (Diluted) | 49,303,289 | 49,808,832 | · | 49,917,729 | 49,636,088 | 49,564,721 | · | 49,521,246 | 49,398,463 | 48,969,550 | · | 44,142,693 | 43,805,217 | 43,574,840 | · | 43,075,234 | |
| EBITDA | $29M | $26M | · | $43M | $37M | $26M | · | $37M | $25M | $32M | · | $346.0K | $996.0K | $34M | · | $-69M |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $219M | $117M | $199M | $268M | $315M | $167M | $137M | $183M | $229M | $285M | · | $111M | $28M | $93M | · | $181M | |
| PP&E (Net) | $869.0K | $691.0K | $723.0K | $3M | $4M | $5M | $6M | $7M | $9M | $10M | · | $4M | $4M | $5M | · | $27M | |
| PP&E (Gross) | $2M | $2M | $9M | $13M | $13M | $14M | $14M | $16M | $17M | $17M | · | $9M | $9M | $9M | · | $57M | |
| Accum. Depreciation | $1M | $1M | $8M | $10M | $9M | $10M | $9M | $9M | $7M | $6M | · | $5M | $5M | $5M | · | $30M | |
| Goodwill | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | · | $59M | |
| Intangibles | $2M | $3M | $3M | $4M | $5M | $5M | $6M | $7M | $7M | $9M | · | $10M | $11M | $12M | · | $16M | |
| Total Assets | $1.24B | $997M | $1.07B | $1.18B | $1.35B | $1.16B | $1.22B | $1.14B | $1.31B | $1.08B | · | $1.15B | $1.44B | $1.45B | · | $2.94B | |
| Total Liabilities | $903M | $665M | $755M | $852M | $1.05B | $899M | $980M | $884M | $1.09B | $873M | · | $1.03B | $1.33B | $1.36B | · | $2.86B | |
| Long-term Debt | · | · | $150M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | $5.0K | · | $4.0K | $4.0K | $4.0K | · | $4.0K | |
| Paid-in Capital | $443M | $441M | $440M | $441M | $440M | $438M | $437M | $437M | $436M | $436M | · | $397M | $396M | $396M | · | $395M | |
| Retained Earnings | $-73M | $-95M | $-115M | $-104M | $-137M | $-163M | $-185M | $-166M | $-194M | $-214M | · | $-252M | $-262M | $-280M | · | $-250M | |
| Treasury Stock | $20M | $5M | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | $431.0K | · | $431.0K | $431.0K | $431.0K | · | $431.0K | |
| AOCI | $-9M | $-8M | $-7M | $-8M | $-10M | $-13M | $-16M | $-12M | $-19M | $-17M | $-17M | $-24M | $-21M | $-26M | $-31M | $-65M | |
| Stockholders' Equity | $341M | $332M | $318M | $327M | $292M | $261M | $236M | $260M | $223M | $204M | $169M | $121M | $112M | $90M | · | $80M | |
| Liabilities + Equity | $1.24B | $997M | $1.07B | $1.18B | $1.35B | $1.16B | $1.22B | $1.14B | $1.31B | $1.08B | · | $1.15B | $1.44B | $1.45B | · | $2.94B | |
| Shares Outstanding | 47,271,828 | 48,342,811 | 48,764,802 | 48,765,302 | 48,746,722 | 48,308,466 | 48,204,962 | 48,204,962 | 48,132,370 | 47,799,465 | 46,777,006 | 43,411,686 | 43,406,486 | 43,274,359 | 43,280,173 | 43,285,807 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $57.0K | $168.0K | $834.0K | $937.0K | $998.0K | $1M | $1M | $1M | $1M | $1M | $-801.0K | $296.0K | $996.0K | $1M | $2M | $483.0K | |
| Stock-based Comp | $2M | $1M | $1M | $1M | $1M | $733.0K | $642.0K | $695.0K | $780.0K | $428.0K | $403.0K | $410.0K | $170.0K | $335.0K | $464.0K | $290.0K | |
| Amort. of Intangibles | $610.0K | $610.0K | $609.0K | $609.0K | $610.0K | $609.0K | $609.0K | $610.0K | $609.0K | $812.0K | $812.0K | $812.0K | $811.0K | $812.0K | $812.0K | $811.0K | |
| Other Non-cash | · | $-26M | · | · | · | $3M | · | · | · | $99M | · | · | · | $-373M | · | · | |
| Operating Cash Flow | $58M | $-6M | $-48M | $-36M | $128M | $26M | $2M | $-9M | $126M | $124M | $49M | $48M | $-129M | $-104M | $-75M | $-106M | |
| CapEx | $235.0K | $136.0K | $59.0K | $0 | $0 | $96.0K | $11.0K | $11.0K | $0 | $0 | $0 | $-77.0K | $119.0K | $154.0K | $121.0K | $566.0K | |
| Investing Cash Flow | $34M | $-7M | $-17M | $-12M | $25M | $5M | $-16M | $-10M | $-151M | $-2M | $-34M | $5M | $64M | $-37M | $136M | $16M | |
| Net Debt Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | |
| Stock Issued | $0 | $0 | $0 | $0 | $465.0K | $309.0K | $-1.0K | $164.0K | $60.0K | $11M | $27M | $38.0K | $0 | $0 | · | · | |
| Net Stock Activity | · | $0 | · | · | $465.0K | $309.0K | · | $164.0K | $60.0K | $11M | · | $38.0K | · | · | · | · | |
| Dividends Paid | $0 | $37M | · | · | $0 | $0 | · | · | · | · | $0 | $0 | $0 | $0 | $0 | $0 | |
| Financing Cash Flow | $-14M | $-42M | $-2M | $0 | $465.0K | $309.0K | $-25M | $163.0K | $60.0K | $11M | $27M | $38.0K | $0 | $0 | $-319.0K | $-3M | |
| Free Cash Flow | · | $-6M | · | · | · | $26M | · | · | · | $124M | · | · | · | $-104M | · | · | |
| Levered FCF | · | $-8M | · | · | · | $24M | · | · | · | $122M | · | · | · | · | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 34.4% | 35.9% | · | 46.1% | 41.8% | 34.8% | · | 43.9% | 35.1% | 41.5% | · | · | · | 36.8% | · | -57.2% | |
| Net Margin | 26.5% | 27.0% | · | 35.9% | 30.6% | 29.6% | · | 34.2% | 27.8% | 32.2% | · | · | · | 295.9% | · | -57.3% | |
| Pretax Margin | 34.4% | 36.2% | · | 46.9% | 43.4% | 36.3% | · | 44.5% | 36.2% | 42.6% | · | · | · | 37.5% | · | -57.2% | |
| EBITDA Margin | 34.5% | 36.1% | · | 47.2% | 43.0% | 36.2% | · | 45.4% | 36.9% | 43.3% | · | · | · | 37.9% | · | -55.9% | |
| ROA | 1.7% | 1.8% | · | 2.8% | 2.0% | 1.9% | · | 2.5% | 1.4% | 1.9% | · | 0.52% | 0.90% | 13.8% | · | -2.3% | |
| ROE | 6.9% | 6.5% | · | 11.1% | 10.3% | 9.2% | · | 14.8% | 11.4% | 16.1% | · | 10.5% | 12.7% | 153.7% | · | -35.4% | |
| ROIC | 6.4% | 5.8% | · | 9.8% | 9.2% | 7.2% | · | 10.5% | 8.3% | 11.3% | · | · | · | 33.2% | · | -88.1% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | 12.1 | 10.9 | · | 15.3 | 13.3 | 9.2 | · | 11.8 | 7.0 | 11.2 | · | · | · | · | · | -29.6 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.0 | 0.1 | · | · | · | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $7.21 | $6.86 | · | $6.71 | $6.00 | $5.40 | · | $5.38 | $4.63 | $4.27 | · | $2.78 | $2.59 | $2.08 | · | $1.86 | |
| Revenue / Share | $1.68 | $1.43 | · | $1.81 | $1.74 | $1.46 | · | $1.66 | $1.39 | $1.49 | · | · | · | $2.07 | · | $2.87 | |
| Cash Flow / Share | · | $-0.12 | · | · | · | $0.53 | · | · | · | $2.54 | · | · | · | $-2.39 | · | · | |
| Cash / Share | $4.63 | $2.42 | · | $5.49 | $6.47 | $3.46 | · | $3.80 | $4.77 | $5.97 | · | $2.56 | $0.64 | $2.14 | · | $4.18 | |
| Dividend / Share | · | · | $0.75 | $0.00 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |
| EPS (TTM) | $2.02 | $2.11 | · | $1.71 | $1.63 | $1.49 | · | $1.63 | $1.30 | $1.32 | · | $-0.10 | $-1.99 | $-4.00 | · | $-4.08 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $331M | $334M | · | $328M | $320M | $302M | · | $265M | $236M | $241M | · | $140M | $211M | $254M | · | $47M | |
| Net Income TTM | $100M | $105M | · | $85M | $81M | $73M | · | $85M | $68M | $66M | · | $-1M | $-83M | $-169M | · | $-175M | |
| Market Cap | $525M | $544M | · | $555M | $542M | $559M | · | $543M | $508M | $511M | · | $320M | $194M | $122M | · | $28M | |
| P/E | 5.5 | 5.3 | · | 6.7 | 6.8 | 7.8 | · | 6.9 | 8.1 | 8.1 | · | -73.6 | -2.2 | -0.7 | · | -0.2 | |
| P/S | 1.6 | 1.6 | · | 1.7 | 1.7 | 1.8 | · | 2.0 | 2.2 | 2.1 | · | 2.3 | 0.9 | 0.5 | · | 0.6 | |
| P/B | 1.5 | 1.6 | · | 1.7 | 1.9 | 2.1 | · | 2.1 | 2.3 | 2.5 | · | 2.6 | 1.7 | 1.4 | · | 0.3 | |
| P / Tangible Book | 1.9 | 2.0 | · | 2.1 | 2.4 | 2.9 | · | 2.8 | 3.2 | 3.8 | · | 6.3 | 4.6 | 6.5 | · | 5.5 | |
| P / Cash Flow | · | -94.8 | · | · | · | 21.1 | · | · | · | 4.1 | · | · | · | -1.2 | · | · | |
| Dividend Yield | · | · | · | · | · | · | · | 0.00% | 0.00% | 0.00% | · | 0.00% | 0.00% | 0.00% | · | 18.7% | |
| Earnings Yield | 18.2% | 18.8% | · | 15.0% | 14.7% | 12.9% | · | 14.5% | 12.3% | 12.3% | · | -1.4% | -44.6% | -141.8% | · | -637.5% | |
| Payout Ratio | · | 190.0% | · | · | · | · | · | · | · | · | · | · | · | 0.00% | · | · | |
| Annual Payout | · | · | · | · | · | · | · | $0 | $0 | $0 | · | $0 | $0 | $0 | · | $5M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|
| Revenue | $335M | $297M | $264M | $222M | · |
| Operating Margin % | 41.8% | 33.6% | 31.3% | -99.9% | · |
| Net Income | $107M | $76M | $310M | $-470M | · |
| Diluted EPS | $2.15 | $1.54 | $6.98 | $-10.91 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2022-03-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $71M | $243M | $-136M | $-176M | · |
Institutional owners (13F) 144 filers · $182.6M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
144
Value held
$182.6M
New positions
18
Exited positions
32
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 18 (-25 vs prior Q) | 32 (+12 vs prior Q) | 47 (-5 vs prior Q) | 38 (0 vs prior Q) | -2.2M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $25,308,722 | 2,280,065 | 13.86% | Shares |
| VANGUARD GROUP INC | $17,084,285 | 1,352,675 | 9.36% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,051,560 | 995,636 | 6.05% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,920,943 | 893,772 | 5.43% | Shares |
| AMERICAN CENTURY COMPANIES INC | $9,416,874 | 848,367 | 5.16% | Shares |
| PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. | $8,976,625 | 808,705 | 4.92% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $7,516,850 | 677,070 | 4.12% | Shares |
| TWO SIGMA INVESTMENTS, LP | $6,566,249 | 591,554 | 3.60% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $6,020,185 | 542,359 | 3.30% | Shares |
| STATE STREET CORP | $5,658,414 | 509,767 | 3.10% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $5,056,894 | 455,576 | 2.77% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,374,866 | 304,042 | 1.85% | Shares |
| SEI INVESTMENTS CO | $3,206,912 | 288,911 | 1.76% | Shares |
| Empowered Funds, LLC | $2,991,816 | 269,533 | 1.64% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,798,195 | 252,090 | 1.53% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,657,129 | 239,381 | 1.46% | Shares |
| Empyrean Capital Partners, LP | $2,562,735 | 230,877 | 1.40% | Shares |
| Militia Capital Partners, LP | $2,281,711 | 180,658 | 1.25% | Shares |
| NORTHERN TRUST CORP | $2,216,038 | 199,643 | 1.21% | Shares |
| Crews Bank & Trust | $2,098,733 | 189,075 | 1.15% | Shares |
| GOLDMAN SACHS GROUP INC | $2,084,502 | 187,793 | 1.14% | Shares |
| TUDOR INVESTMENT CORP ET AL | $2,069,129 | 186,408 | 1.13% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,807,258 | 162,816 | 0.99% | Shares |
| WESTWOOD HOLDINGS GROUP INC | $1,650,959 | 148,735 | 0.90% | Shares |
| Kennondale Capital Management LLC | $1,629,280 | 146,782 | 0.89% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $1,492,428 | 134,453 | 0.82% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $1,476,034 | 132,976 | 0.81% | Shares |
| Brandywine Global Investment Management, LLC | $1,407,866 | 111,470 | 0.77% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,360,672 | 122,583 | 0.75% | Shares |
| FRANKLIN RESOURCES INC | $1,261,737 | 113,670 | 0.69% | Shares |
| ANTIPODES PARTNERS Ltd | $1,256,342 | 113,184 | 0.69% | Shares |
| Bank of New York Mellon Corp | $1,046,125 | 94,246 | 0.57% | Shares |
| Lido Advisors, LLC | $985,333 | 88,768 | 0.54% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $956,332 | 86,156 | 0.52% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $942,480 | 83,776 | 0.52% | Shares |
| MACKENZIE FINANCIAL CORP | $919,513 | 82,839 | 0.50% | Shares |
| FIRST TRUST ADVISORS LP | $899,199 | 81,009 | 0.49% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $861,626 | 77,624 | 0.47% | Shares |
| RAYMOND JAMES FINANCIAL INC | $828,637 | 74,652 | 0.45% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $827,039 | 74,508 | 0.45% | Shares |
| Pacific Ridge Capital Partners, LLC | $826,761 | 74,483 | 0.45% | Shares |
| BANK OF AMERICA CORP /DE/ | $814,152 | 73,347 | 0.45% | Shares |
| Cubist Systematic Strategies, LLC | $777,310 | 68,245 | 0.43% | Shares |
| MORGAN STANLEY | $767,931 | 69,183 | 0.42% | Shares |
| Beacon Pointe Advisors, LLC | $754,301 | 67,955 | 0.41% | Shares |
| Nuveen, LLC | $752,180 | 67,764 | 0.41% | Shares |
| Quantinno Capital Management LP | $702,963 | 63,330 | 0.38% | Shares |
| TWO SIGMA ADVISERS, LP | $678,231 | 53,700 | 0.37% | Shares |
| JANE STREET GROUP, LLC | $672,749 | 60,608 | 0.37% | Shares |
| Tactive Advisors, LLC | $610,667 | 55,015 | 0.33% | Shares |
Activists & 5%+ owners 11 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Peed Daniel, Peed FLP1, Ltd, L.L.P. ×2 filings | Aug. 11, 2025 | 34.50% | Amendment | · | SEC |
| R. Daniel Peed, Peed FLP1 Ltd, L.L.P. ×3 filings | March 20, 2019 | · | Initial filing | · | SEC |
| Stilwell Value Partners I, L.P., Stilwell Value Partners VI, L.P., Stilwell Associates, L.P., Stilwell Associates Insurance Fund of the S.A.L.I. Multi-Series Fund L.P., Stilwell Value LLC, Stilwell Advisers LLC, Joseph Stilwell ×2 filings | Dec. 17, 2012 | · | Initial filing | Board campaign | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | Sept. 20, 2012 | · | Initial filing | · | SEC |
| Stilwell Value Partners VI, L.P., Stilwell Associates, L.P., Stilwell Associates Insurance Fund of the S.A.L.I. Multi-Series Fund L.P., Stilwell Value LLC, Stilwell Advisers LLC, Joseph Stilwell ×2 filings | May 29, 2012 | · | Initial filing | Board campaign | SEC |
| Neil W. Savage, Kern M. Davis, William W. Hood, III ×4 filings | March 15, 2012 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | Oct. 28, 2011 | · | Initial filing | Passive investment | SEC |
| Synovus Financial Corp. ×5 filings | Sept. 30, 2011 | · | Initial filing | · | SEC |
| Homeowners Choice, Inc. ×2 filings | Dec. 9, 2010 | · | Initial filing | · | SEC |
| Bulldog Investors, Phillip Goldstein and Andrew Dakos ×3 filings | Nov. 12, 2008 | · | Initial filing | · | SEC |
| Gregory C. Branch | Oct. 15, 2008 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 42 insiders · 21 officers · 15 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Brad Martz | President & CEO | Sept. 22, 2026 P | 444,611 | 1 | 0 | $91,500 |
| John Forney | President & CEO | May 26, 2020 A | 124,491 | 0 | 0 | $0 |
| Svetlana Castle | Chief Financial Officer | May 12, 2026 A | 16,390 | 0 | 0 | $0 |
| Nicholas W Griffin | Chief Financial Officer | March 25, 2009 A | 58,310 | 0 | 0 | $0 |
| Christopher Griffith | Chief Operating Officer | Aug. 17, 2026 M | 118,724 | 0 | 3 | $-610,245 |
| Paul F Difrancesco | Chief Operating Officer | Aug. 18, 2020 A | 20,533 | 0 | 0 | $0 |
| Brooke Adler | Secretary | Sept. 24, 2026 S | 100,175 | 0 | 1 | $-192,036 |
| Troy J Crawford | Chief Underwriting Officer | July 15, 2026 F | 12,107 | 1 | 0 | $35,456 |
| James Andy Gray | Chief Compliance/Risk Officer | May 12, 2026 A | 207,504 | 0 | 0 | $0 |
| Brooke Shirazi | Chief Underwriting Officer | May 27, 2022 A | 112,000 | 0 | 0 | $0 |
| Alycia Weigley | Chief Talent Officer | May 27, 2022 A | 9,002 | 0 | 0 | $0 |
| Scott St John | Chief Claims Officer | May 27, 2022 A | 25,140 | 0 | 0 | $0 |
| Christian Dittman | Chief Risk Officer | May 24, 2021 A | 20,238 | 0 | 0 | $0 |
| Brad Kalter | Chief Legal Officer | Nov. 30, 2020 A | 661 | 0 | 0 | $0 |
| Deepak Menon | Chief Revenue Officer | Sept. 18, 2020 M | 102,787 | 0 | 0 | $0 |
| Kimberly Salmon | General Counsel | Sept. 7, 2017 P | 29,622 | 0 | 0 | $0 |
| Andrew Swenson | Chief Information Officer | May 12, 2017 P | 31,017 | 0 | 0 | $0 |
| John Langowski | Vice President, Claims | March 18, 2016 F | 14,659 | 0 | 0 | $0 |
| Judy Copechal | Chief Underwriting Officer | May 6, 2015 P | 3,327 | 0 | 0 | $0 |
| Jay Williams | Vice President of Sales | Feb. 24, 2015 A | 17,615 | 0 | 0 | $0 |
| Melvin A Russell Jr | Chief Underwriting Officer | Dec. 11, 2012 P | 49,018 | 0 | 0 | $0 |
| Patrick Maroney | Director | May 26, 2026 A | 103,500 | 0 | 0 | $0 |
| Daniel Peed | Director | May 26, 2026 A | 1,986,936 | 0 | 0 | $0 |
| Iii William H. Hood | Director | May 26, 2026 A | 65,429 | 0 | 0 | $0 |
| Kern Michael Davis | Director | May 26, 2026 A | 304,564 | 8 | 0 | $27,548 |
| Deirdre A Brown | Director | May 26, 2026 A | 6,500 | 0 | 0 | $0 |
| Gregory C Branch | Director | May 26, 2026 A | 1,729,197 | 0 | 0 | $0 |
| Kent G Whittemore | Director | May 26, 2026 A | 374,267 | 0 | 0 | $0 |
| Michael Hogan | Director | May 26, 2026 A | 366,754 | 0 | 0 | $0 |
| Alec Poitevint II | Director | May 26, 2026 A | 195,000 | 0 | 0 | $0 |
| Sherrill W Hudson | Director | May 19, 2025 A | 203,403 | 0 | 0 | $0 |
| Gordon G Pratt | Director | Oct. 6, 2008 P | 932,231 | 0 | 0 | $0 |
| David E Sturgess | Director | Sept. 30, 2008 D | 17,839 | 0 | 0 | $0 |
| Thomas D Sargent | Director | Sept. 30, 2008 D | 17,839 | 0 | 0 | $0 |
| James Zuhlke | Director | Sept. 30, 2008 D | 17,839 | 0 | 0 | $0 |
| Stilwell Value LLC | 10% owner | Oct. 22, 2012 S | 49,318 | 0 | 0 | $0 |
| Stilwell Joseph | 10% owner | Oct. 22, 2012 S | 49,318 | 0 | 0 | $0 |
| Neil W Savage | 10% owner | Sept. 28, 2011 P | 17,573 | 0 | 0 | $0 |
| SYNOVUS FINANCIAL CORP | 10% owner | Sept. 28, 2011 S | 220,047 | 0 | 0 | $0 |
| FMG INVESTORS LLC | 10% owner | Sept. 30, 2008 D | 932,231 | 0 | 0 | $0 |
| Donald J Cronin | · | March 25, 2009 A | 91,351 | 0 | 0 | $0 |
| Larry G Swets JR | · | Oct. 22, 2008 P | 932,231 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 23 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 86,791 SH | Sept. 11, 2026 | Daily |
| VFQY · VANGUARD WELLINGTON FUND | 0.05% | 19,491 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 21,955 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 5,568 SH | Oct. 2, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 161,437 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 145,239 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 827,803 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 12,028 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 76,937 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 9,019 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 1,293 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 6,441 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 13,739 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 37,406 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 12,213 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 4,888 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 284,795 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 688,548 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,292 SH | Aug. 19, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.00% | 44 NS | July 31, 2026 | N-PORT |
| VFH · VANGUARD WORLD FUND | 0.00% | 39,296 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 275,336 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 51,032 SH | Sept. 3, 2026 | Daily |
ACIC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$13.00
+39.3%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-09-15Mean target $13.00 +39.3%
Low$13.00
Mean$13.00
High$13.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ACIC | $616M | 5.9 | 13.1% | 31.9% | 35.0% | · |
| ROOT | · | 30.6 | 28.9% | 2.7% | 15.2% | · |
| DGICA | · | · | -1.2% | 8.1% | 12.7% | · |
| TIPT | $691M | 24.0 | -67.9% | 7157.2% | 7.2% | · |
| ITIC | $471M | 13.4 | 5.6% | 12.9% | 13.2% | · |
| AII | $408M | 3.7 | 35.3% | 36.0% | 31.2% | · |
| AMSF | $722M | 15.6 | 2.7% | 14.9% | 18.2% | · |
| GBLI | · | 16.2 | 2.0% | 5.6% | 3.6% | · |
| NODK | $273M | -26.6 | -12.3% | -3.6% | -4.3% | 24.5% |
| KWY | · | · | · | · | · | · |
| KINS | $242M | 5.8 | 38.5% | 19.0% | 37.5% | · |
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Source: SEC 10-Q filed Aug 6, 2026