ACIC American Coastal Insurance Corporation - Common Stock

NASDAQ · Insurance · View on SEC EDGAR ↗
$9.52
Price · Aug 19, 2026
Fundamentals as of Aug 6, 2026
52W Range
$9–$13
4% of range
Analyst Rating
BUY
8 analysts
Price Target
$13
+37% upside
P/E (TTM)
4.4
ROE
35.0%
Net Profit Margin
31.9%

About American Coastal Insurance Corporation - Common Stock Company overview from Wikipedia

United Property & Casualty Insurance Company, Inc. 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.

Read more

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 ↗

Wikidata ↗

ACIC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$9.52
Market Cap
$460M
P/E (TTM)
4.4
EPS (TTM)
$2.15
Revenue (TTM)
$335M
Div Yield
0.00%
ROE
35.0%
Debt/Equity
—
52W Range
$9 – $13

ACIC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $335M
6-point trend, -60.4%
2020-12-31 → 2025-12-31
EPS $2.15
6-point trend, +195.6%
2020-12-31 → 2025-12-31
Free Cash Flow $71M
6-point trend, +432.4%
2020-12-31 → 2025-12-31
Margins 31.9%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
ACIC
Peer Median
P/E (TTM)
5-point trend, +282.7%
4.4
12.0
P/S (TTM)
5-point trend, +123.1%
1.4
1.3
P/B
5-point trend, +221.9%
1.4
1.9
Price / FCF
5-point trend, +1488.3%
6.5
—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
ACIC
Peer Median
Operating Margin
5-point trend, +415.9%
41.8%
—
Net Profit Margin
5-point trend, +448.8%
31.9%
13.0%
ROA
5-point trend, +586.5%
9.3%
5.6%
ROE
5-point trend, +314.2%
35.0%
16.4%
ROIC
5-point trend, +272.0%
33.1%
—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
ACIC
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
ACIC
Peer Median
Revenue YoY
5-point trend, +46.7%
13.1%
—
Revenue CAGR 3Y
5-point trend, +46.7%
14.8%
—
Revenue CAGR 5Y
5-point trend, +46.7%
-16.9%
—
EPS YoY
5-point trend, +259.3%
39.6%
—
Net Income YoY
5-point trend, +284.5%
41.1%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
ACIC
Peer Median
EPS (Diluted)
5-point trend, +259.3%
$2.15
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
ACIC
Peer Median
Payout Ratio
5-point trend, +100.0%
0.00%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
0.00%
Payout Ratio
0.00%
5Y Div CAGR
—
Ex-dateAmount
Jan. 2, 2026$0.7500
Jan. 2, 2025$0.5000
March 8, 2022$0.0600
Nov. 19, 2021$0.0600
Aug. 9, 2021$0.0600
May 14, 2021$0.0600
March 1, 2021$0.0600
Nov. 20, 2020$0.0600
Aug. 10, 2020$0.0600
May 18, 2020$0.0600
March 3, 2020$0.0600
Nov. 18, 2019$0.0600
Aug. 13, 2019$0.0600
May 13, 2019$0.0600
March 5, 2019$0.0600
Nov. 19, 2018$0.0600
Aug. 10, 2018$0.0600
May 21, 2018$0.0600
March 6, 2018$0.0600
Nov. 21, 2017$0.0600

ACIC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 8 analysts
  • Strong Buy 2 25.0%
  • Buy 4 50.0%
  • Hold 2 25.0%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

1 analysts · 2026-08-18
Median target $13.00 +36.6%
Mean target $13.00 +36.6%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
-0.27%
Period EPS Actual EPS Est Surprise
June 30, 2026 $0.33 $0.43 -0.10%
March 31, 2026 $0.39 $0.45 -0.06%
Dec. 31, 2025 $0.52 $0.43 0.09%
Sept. 30, 2025 $0.61 $0.40 0.21%
June 30, 2025 $0.54 $2.29 -1.8%
March 31, 2025 $0.42 $0.41 0.01%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ACIC $616M 5.9 13.1% 31.9% 35.0% —
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% —
AMSF $722M 15.6 2.7% 14.9% 18.2% —
AII $408M 3.7 35.3% 36.0% 31.2% —
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% —
MBI — -2.0 90.5% -221.2% 8.2% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 14
Annual Income Statement data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +19.7% $335M $297M $264M $222M $229M $847M $825M $724M $654M $487M $358M $280M
SG&A Expense 12-point trend, +102.2% $40M $45M $38M $44M $31M $72M $66M $66M $82M $43M $30M $20M
Operating Expenses 12-point trend, +1561.5% $195M $197M $171M $230M $239M $979M $858M $728M $28M $21M $15M $12M
Operating Income 12-point trend, +118.0% $140M $100M $94M $-9M $-11M $-132M $-33M $-4M $757.0K $7M $42M $64M
Interest Expense 12-point trend, +2537.8% $11M $12M $11M $9M $9M $10M $10M $10M $3M $723.0K $326.0K $410.0K
Other Non-op 12-point trend, +3090.9% $2M $2M $2M $10M $129.0K $74.0K $119.0K $116.0K $153.0K $100.0K $294.0K $77.0K
Pretax Income 12-point trend, +121.6% $143M $102M $96M $2M $-10M $-132M $-33M $-4M $910.0K $7M $42M $64M
Income Tax 12-point trend, +53.6% $36M $25M $11M $26M $-7M $-37M $-3M $-5M $-9M $1M $15M $23M
Net Income 12-point trend, +160.5% $107M $76M $310M $-470M $-58M $-96M $-30M $290.0K $10M $6M $27M $41M
EPS (Basic) 12-point trend, +6.8% $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) 12-point trend, +4.9% $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) 12-point trend, +143.2% 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) 12-point trend, +148.3% 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 11-point trend, +121.4% $144M $104M $91M $-449M $-76M $-126M $-26M $-133.0K $7M · $43M $65M
Balance Sheet 18
Annual Balance Sheet data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +223.8% $199M $137M $139M $71M $212M $239M $215M $113M $230M $151M $85M $61M
PP&E (Net) 12-point trend, -91.0% $723.0K $6M $4M $5M $32M $34M $33M $17M $17M $18M $17M $8M
PP&E (Gross) 12-point trend, -17.4% $9M $14M $9M $11M $58M $60M $52M $30M $30M $25M $22M $11M
Accum. Depreciation 12-point trend, +177.8% $8M $9M $5M $6M $26M $25M $19M $13M $13M $7M $5M $3M
Goodwill 12-point trend, +59476000.00 $59M $59M $59M $70M $73M $73M $73M $73M $73M $14M $3M $0
Intangibles 11-point trend, -33.2% $3M $6M $9M $13M $18M $22M $26M $31M $45M $12M $5M ·
Total Assets 12-point trend, +83.6% $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 12-point trend, +98.5% $755M $980M $894M $3.02B $2.37B $2.43B $1.94B $1.78B $1.52B $758M $501M $380M
Long-term Debt 12-point trend, +1008.7% $150M $150M $150M $150M $159M $160M $162M $163M $165M $54M $12M $14M
Common Stock 12-point trend, +150.0% $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 12-point trend, +433.8% $440M $437M $424M $396M $394M $393M $392M $389M $387M $99M $97M $82M
Retained Earnings 12-point trend, -197.2% $-115M $-185M $-237M $-546M $-75M $-7M $100M $141M $141M $142M $141M $118M
Treasury Stock Flat — no change across 12 periods $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 12-point trend, -280.6% $-7M $-16M $-17M $-31M $-7M $10M $11M $-9M $9M $822.0K $2M $4M
Stockholders' Equity 12-point trend, +55.9% $318M $236M $169M $-182M $332M $396M $503M $520M $537M $241M $239M $204M
Liabilities + Equity 12-point trend, +83.6% $1.07B $1.22B $1.06B $2.84B $2.70B $2.85B $2.47B $2.32B $2.06B $1000M $740M $584M
Shares Outstanding 12-point trend, +133.3% 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 16
Annual Cash Flow data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
D&A 12-point trend, +419.6% $4M $5M $1M $5M $6M $6M $6M $4M $6M $2M $2M $731.0K
Stock-based Comp 12-point trend, +562.4% $4M $3M $1M $1M $1M $1M $3M $2M $3M $2M $2M $649.0K
Amort. of Intangibles 12-point trend, +429.8% $2M $3M $3M $3M $4M $4M $5M $14M $31M $11M $3M $460.0K
Other Non-cash 11-point trend, -265.5% $-44M $160M $-449M $289M $-247M $78M $170M $3M $-4M · $67M $27M
Operating Cash Flow 12-point trend, +3.1% $71M $244M $-136M $-173M $-295M $-10M $149M $26M $36M $66M $98M $69M
CapEx 12-point trend, -97.6% $155.0K $22.0K $196.0K $3M $5M $11M $22M $4M $5M $3M $11M $6M
Investing Cash Flow 12-point trend, +100.7% $620.0K $-179M $-3M $237M $251M $37M $-34M $-126M $-7M $-50M $-67M $-91M
Debt Issued 6-point trend, +0.00 · · · · · · $0 $0 $150M $35M $0 $0
Net Debt Issued 8-point trend, -277.3% · · · $-4M $-2M $-1M $-2M $-2M $110M · $-3M $-1M
Stock Issued 7-point trend, -98.6% $774.0K $12M $27M $0 · · · · · $0 $0 $54M
Net Stock Activity 5-point trend, -98.6% $774.0K $12M $27M · · · · · · · $0 $54M
Dividends Paid 12-point trend, -100.0% $0 $24M $0 $3M $10M $10M $10M $10M $9M $5M $4M $3M
Financing Cash Flow 12-point trend, -102.2% $-1M $-14M $27M $-25M $-12M $-12M $-12M $8M $97M $50M $-8M $49M
Net Change in Cash 4-point trend, +373.9% · · · · · · · · $126M $66M $23M $27M
Free Cash Flow 11-point trend, +13.3% $71M $243M $-136M $-176M $-301M $-21M $127M $6M $9M · $87M $63M
Levered FCF 11-point trend, +0.7% $63M $234M $-146M $-186M $-307M $-28M $118M $7M $-27M · $87M $62M
Profitability 7
Annual Profitability data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Operating Margin 11-point trend, +82.1% 41.8% 33.6% 31.3% -99.9% -13.2% -15.6% -4.0% -0.60% 0.12% · 11.6% 23.0%
Net Margin 11-point trend, +117.6% 31.9% 25.5% 108.2% -103.2% -9.1% -11.4% -3.6% 0.04% 1.6% · 7.6% 14.6%
Pretax Margin 11-point trend, +85.2% 42.5% 34.3% 32.1% -97.6% -13.2% -15.6% -4.0% -0.59% 0.14% · 11.7% 23.0%
EBITDA Margin 11-point trend, +85.0% 43.0% 35.2% 31.9% -98.5% -12.0% -14.8% -3.2% -0.02% 1.0% · 12.1% 23.2%
ROA 11-point trend, +16.7% 9.3% 6.7% 15.9% -23.7% -1.9% -3.6% -1.2% 0.01% 0.66% · 4.1% 8.0%
ROE 11-point trend, +33.0% 35.0% 30.6% 214.2% 924.9% -16.4% -21.5% -5.8% 0.05% 2.6% · 12.3% 26.4%
ROIC 11-point trend, +64.4% 33.1% 31.7% 47.5% 264.2% -19.2% -24.1% -5.9% 0.08% 1.6% · 11.4% 20.1%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Interest Coverage 11-point trend, -91.7% 13.0 8.3 8.3 -47.3 -8.9 -13.8 -3.3 -0.4 0.2 · 127.5 156.9
Efficiency 1
Annual Efficiency data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 11-point trend, -46.4% 0.3 0.3 0.1 0.2 0.2 0.3 0.3 0.3 0.4 · 0.5 0.5
Per Share 6
Annual Per Share data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share 11-point trend, -33.2% $6.51 $4.89 $3.61 $-4.21 $7.20 $9.19 $11.69 $12.10 $12.56 · $11.11 $9.75
Revenue / Share 11-point trend, -51.8% $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 11-point trend, -58.5% $1.43 $4.93 $-3.06 $-4.02 $-6.88 $-0.24 $3.48 $0.24 $0.38 · $4.58 $3.44
Cash / Share 9-point trend, +38.8% $4.08 · · $5.31 $4.89 $5.56 $5.01 $2.62 $6.46 · $3.94 $2.94
Dividend / Share 6-point trend, +368.7% $1 $0 · · · · · · $0 $0 $0 $0
EPS (TTM) 12-point trend, +4.9% $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 5
Annual Growth Rates data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +117.9% 13.1% 12.2% 19.3% -3.1% -73.0% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +146.1% 14.8% 9.1% -32.1% · · · · · · · · ·
Revenue CAGR 5Y -16.9% · · · · · · · · · · ·
EPS YoY 2-point trend, +150.8% 39.6% -77.9% · · · · · · · · · ·
Net Income YoY 2-point trend, +154.4% 41.1% -75.6% · · · · · · · · · ·
Valuation (TTM) 13
Annual Valuation (TTM) data for ACIC
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +19.7% $335M $297M $264M $222M $229M $847M $825M $724M $654M $487M $358M $280M
Net Income TTM 12-point trend, +160.5% $107M $76M $310M $-470M $-58M $-96M $-30M $290.0K $10M $6M $27M $41M
Market Cap 11-point trend, +34.2% $616M $649M $443M $46M $188M $246M $543M $714M $737M · $368M $459M
P/E 12-point trend, -45.1% 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 11-point trend, +12.1% 1.8 2.2 1.7 0.2 0.8 0.3 0.7 1.0 1.1 · 1.0 1.6
P/B 11-point trend, -13.9% 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 5-point trend, +195.3% 2.4 3.8 4.4 · 0.8 0.8 · · · · · ·
P / Cash Flow 11-point trend, +30.2% 8.7 2.7 -3.3 -0.3 -0.6 -23.5 3.6 70.6 51.5 · 3.7 6.7
P / FCF 11-point trend, +18.5% 8.7 2.7 -3.2 -0.3 -0.6 -11.6 4.3 118.1 81.3 · 4.2 7.3
Dividend Yield 11-point trend, -100.0% 0.00% 3.7% 0.00% 5.6% 5.5% 4.2% 1.9% 1.4% 1.2% · 1.2% 0.73%
Earnings Yield 12-point trend, +82.2% 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 10-point trend, -100.0% 0.00% 31.8% · -0.55% -17.9% -10.7% -34.4% 3540.7% 88.6% · 15.7% 8.1%
Annual Payout 12-point trend, -100.0% $0 $24M $0 $3M $10M $10M $10M $10M $9M $5M $4M $3M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312022-03-31
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—
Cash Flow
2025-12-312024-12-312023-12-312022-12-312022-03-31
Free Cash Flow $71M$243M$-136M$-176M—

My Metrics Your personal watchlist — selected rows from Full Fundamentals

📊

Pick the metrics that matter to you — click the ➕ next to any row in Full Fundamentals above.

Your selection is saved and follows you across all tickers.

Institutional owners (13F) 148 filers · $126.0M total · As of June 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.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
23 (-20 vs prior Q) 31 (+11 vs prior Q) 43 (-5 vs prior Q) 36 (-3 vs prior Q) -2.6M

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
VANGUARD CAPITAL MANAGEMENT LLC $11,051,560 995,636 8.77% Shares
AMERICAN CENTURY COMPANIES INC $9,416,874 848,367 7.47% Shares
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. $8,976,625 808,705 7.12% Shares
DIMENSIONAL FUND ADVISORS LP $8,661,641 780,328 6.87% Shares
TWO SIGMA INVESTMENTS, LP $6,566,249 591,554 5.21% Shares
GEODE CAPITAL MANAGEMENT, LLC $6,472,984 583,028 5.14% Shares
RENAISSANCE TECHNOLOGIES LLC $6,020,185 542,359 4.78% Shares
STATE STREET CORP $5,658,414 509,767 4.49% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $5,056,894 455,576 4.01% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $3,374,866 304,042 2.68% Shares
SEI INVESTMENTS CO $3,206,912 288,911 2.55% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $2,657,129 239,381 2.11% Shares
Empyrean Capital Partners, LP $2,562,735 230,877 2.03% Shares
Militia Capital Partners, LP $2,281,711 180,658 1.81% Shares
Crews Bank & Trust $2,098,733 189,075 1.67% Shares
TUDOR INVESTMENT CORP ET AL $2,069,129 186,408 1.64% Shares
VANGUARD FIDUCIARY TRUST CO $1,807,258 162,816 1.43% Shares
WESTWOOD HOLDINGS GROUP INC $1,650,959 148,735 1.31% Shares
Kennondale Capital Management LLC $1,629,280 146,782 1.29% Shares
MERCER GLOBAL ADVISORS INC /ADV $1,492,428 134,453 1.18% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $1,476,034 132,976 1.17% Shares
Brandywine Global Investment Management, LLC $1,407,866 111,470 1.12% Shares
FRANKLIN RESOURCES INC $1,261,737 113,670 1.00% Shares
ANTIPODES PARTNERS Ltd $1,256,342 113,184 1.00% Shares
GOLDMAN SACHS GROUP INC $1,185,180 106,773 0.94% Shares
Lido Advisors, LLC $985,333 88,768 0.78% Shares
RITHOLTZ WEALTH MANAGEMENT $956,332 86,156 0.76% Shares
WEDGE CAPITAL MANAGEMENT L L P/NC $942,480 83,776 0.75% Shares
Connor, Clark & Lunn Investment Management Ltd. $928,160 83,618 0.74% Shares
MACKENZIE FINANCIAL CORP $919,513 82,839 0.73% Shares
FIRST TRUST ADVISORS LP $899,199 81,009 0.71% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $861,626 77,624 0.68% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $827,039 74,508 0.66% Shares
Pacific Ridge Capital Partners, LLC $826,761 74,483 0.66% Shares
RAYMOND JAMES FINANCIAL INC $818,514 73,740 0.65% Shares
BANK OF AMERICA CORP /DE/ $814,152 73,347 0.65% Shares
Cubist Systematic Strategies, LLC $777,310 68,245 0.62% Shares
Beacon Pointe Advisors, LLC $754,301 67,955 0.60% Shares
Quantinno Capital Management LP $702,963 63,330 0.56% Shares
TWO SIGMA ADVISERS, LP $678,231 53,700 0.54% Shares
JANE STREET GROUP, LLC $672,749 60,608 0.53% Shares
Tactive Advisors, LLC $610,667 55,015 0.48% Shares
Bank of New York Mellon Corp $606,859 54,672 0.48% Shares
IHT Wealth Management, LLC $602,819 54,308 0.48% Shares
Cornerstone Wealth Group, LLC $505,596 2,885 0.40% Shares
Empowered Funds, LLC $504,950 45,491 0.40% Shares
STATE OF WISCONSIN INVESTMENT BOARD $488,333 43,994 0.39% Shares
MANGROVE PARTNERS IM, LLC $478,443 43,103 0.38% Shares
STRS OHIO $478,410 43,100 0.38% Shares
MILLENNIUM MANAGEMENT LLC $455,788 41,062 0.36% Shares
CANADA PENSION PLAN INVESTMENT BOARD $405,150 36,500 0.32% Shares
Geller Advisors LLC $403,800 30,000 0.32% Shares
ALLIANCEBERNSTEIN L.P. $400,950 35,640 0.32% Shares
RHUMBLINE ADVISERS $344,282 31,017 0.27% Shares
Militia Capital Management LLC $340,304 30,658 0.27% Shares
REGIONS FINANCIAL CORP $326,828 29,444 0.26% Shares
FIFTH THIRD BANCORP $321,179 28,935 0.25% Shares
EntryPoint Capital, LLC $315,728 28,444 0.25% Shares
MARTINGALE ASSET MANAGEMENT L P $297,836 26,832 0.24% Shares
Cox Capital Mgt LLC $281,074 25,322 0.22% Shares
DEUTSCHE BANK AG\ $272,938 24,589 0.22% Shares
AlphaQuest LLC $263,500 20,863 0.21% Shares
Welch Group, LLC $258,497 23,288 0.21% Shares
WELLS FARGO & COMPANY/MN $234,232 21,102 0.19% Shares
Sowell Financial Services LLC $216,017 19,461 0.17% Shares
Graham Capital Management, L.P. $201,809 18,181 0.16% Shares
Balyasny Asset Management L.P. $192,607 17,352 0.15% Shares
MetLife Investment Management, LLC $185,315 16,695 0.15% Shares
Palumbo Wealth Management LLC $184,787 16,647 0.15% Shares
Squarepoint Ops LLC $173,005 15,586 0.14% Shares
VANGUARD GROUP INC $159,795 12,652 0.13% Shares
OSAIC HOLDINGS, INC. $152,402 13,730 0.12% Shares
AXA Investment Managers S.A. $147,352 12,937 0.12% Shares
Atom Investors LP $144,422 13,011 0.11% Shares
Metis Global Partners, LLC $136,119 12,263 0.11% Shares
BlackRock, Inc. $130,414 11,749 0.10% Shares
Vident Advisory, LLC $130,358 11,744 0.10% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $128,816 11,605 0.10% Shares
D. E. Shaw & Co., Inc. $126,784 11,422 0.10% Shares
Marble Wealth, LLC $123,049 11,085 0.10% Shares
Quadrature Capital Ltd $122,944 11,076 0.10% Shares
Kingsview Wealth Management, LLC $120,881 10,745 0.10% Shares
Daytona Street Capital LLC $111,450 10,000 0.09% Shares
Invesco Ltd. $111,122 10,011 0.09% Shares
Rockefeller Capital Management L.P. $111,000 10,000 0.09% Shares
Vanguard Global Advisers, LLC $104,951 9,455 0.08% Shares
FMR LLC $93,895 8,459 0.07% Shares
Farther Finance Advisors, LLC $87,721 7,903 0.07% Shares
NEW YORK STATE COMMON RETIREMENT FUND $80,675 7,268 0.06% Shares
Police & Firemen's Retirement System of New Jersey $72,594 6,540 0.06% Shares
Nuveen Asset Management, LLC $50,085 3,721 0.04% Shares
BNP PARIBAS FINANCIAL MARKETS $45,832 4,129 0.04% Shares
MORGAN STANLEY $44,400 4,000 0.04% Shares
NORTHERN TRUST CORP $43,412 3,911 0.03% Shares
Nuveen, LLC $41,303 3,721 0.03% Shares
Tower Research Capital LLC (TRC) $34,177 3,079 0.03% Shares
Ameritas Investment Partners, Inc. $28,061 2,528 0.02% Shares
Ancora Advisors LLC $26,862 2,420 0.02% Shares
BARCLAYS PLC $25,542 2,301 0.02% Shares
Legal & General Group Plc $25,197 2,270 0.02% Shares

Company insiders 42 insiders · 21 officers · 15 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Brad Martz President & CEO May 27, 2025 M 365,943 0 0 $0
John Forney President & CEO May 26, 2020 A 124,491 0 0 $0
Svetlana Castle Chief Financial Officer May 7, 2025 A 5,201 0 0 $0
Nicholas W Griffin Chief Financial Officer March 25, 2009 A 58,310 0 0 $0
Christopher Griffith Chief Operating Officer June 5, 2025 M 121,431 0 0 $0
Paul F Difrancesco Chief Operating Officer Aug. 18, 2020 A 20,533 0 0 $0
Troy J Crawford Chief Underwriting Officer July 15, 2026 F 12,107 0 0 $0
Brooke Adler General Counsel May 27, 2025 M 103,265 0 0 $0
James Andy Gray Chief Compliance/Risk Officer May 14, 2025 M 195,594 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 0 0 $0
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

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.

ETF ownership Held by 33 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
GSSC · Goldman Sachs ETF Trust 0.04% 33,833 NS May 31, 2026 N-PORT
AVUV · AMERICAN CENTURY ETF TRUST 0.03% 681,552 NS May 31, 2026 N-PORT
AVSC · AMERICAN CENTURY ETF TRUST 0.01% 38,737 NS May 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.01% 158,187 NS April 30, 2026 N-PORT
RSSL · Global X Funds 0.01% 10,604 NS April 30, 2026 N-PORT
ITWO · ProShares Trust 0.01% 1,151 NS May 31, 2026 N-PORT
EBI · RBB Fund Trust 0.00% 2,949 NS May 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.00% 50,529 NS April 30, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 1,293 NS April 30, 2026 N-PORT
UWM · ProShares Trust 0.00% 900 NS May 31, 2026 N-PORT
URTY · ProShares Trust 0.00% 906 NS May 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 4,450 NS April 30, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 6,441 NS April 30, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 13,739 NS April 30, 2026 N-PORT
MSSM · MORGAN STANLEY PATHWAY FUNDS 0.00% 888 NS May 31, 2026 N-PORT
HDG · ProShares Trust 0.00% 23 NS May 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 37,406 NS April 30, 2026 N-PORT
AVUS · AMERICAN CENTURY ETF TRUST 0.00% 7,639 NS May 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 4,888 NS April 30, 2026 N-PORT
DFUV · Dimensional ETF Trust 0.00% 44 NS April 30, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
VTI · VANGUARD INDEX FUNDS — — July 15, 2026 Daily
VFQY · VANGUARD WELLINGTON FUND — — July 30, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS — — July 15, 2026 Daily
IWV · iShares Trust — — Aug. 18, 2026 Daily
IWN · iShares Trust — — Aug. 17, 2026 Daily
IWM · iShares Trust — — Aug. 18, 2026 Daily
IWC · iShares Trust — — Aug. 18, 2026 Daily
SVAL · iShares Trust — — Aug. 3, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… — — July 13, 2026 Daily
VFH · VANGUARD WORLD FUND — — July 20, 2026 Daily