American Coastal InsuranceACIC -1.74%52 PB Ratio is 1.57 as of Jun. 25, 2026, which is 16% above its 10-year median of 1.35. GuruFocus rates ACIC with a GF Score™ of 52/100 and a GF Value™ of $11.54 (Fairly Valued). The stock has 2 warning signs investors should review. Among 497 Insurance companies, American Coastal Insurance ranks worse than 57.75% on this metric.
American Coastal Insurance Corp stock PB Ratio (=1.6) is close to 3-year low of 1.5.
The historical rank and industry rank for American Coastal Insurance's PB Ratio or its related term are showing as below:
ACIC'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 1.35 Max: 3.77
Current: 1.57
During the past 13 years, American Coastal Insurance's highest PB Ratio was 3.77. The lowest was 0.16. And the median was 1.35.
ACIC's PB Ratio is ranked worse than 57.75% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs ACIC: 1.57
During the past 12 months, American Coastal Insurance's average Book Value Per Share Growth Rate was 27.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of American Coastal Insurance was 25.00% per year. The lowest was -26.80% per year. And the median was 5.40% per year.
Back to Basics: PB Ratio
American Coastal Insurance (NAS:ACIC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
American Coastal Insurance PB Ratio Related Terms
American Coastal Insurance PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, American Coastal Insurance's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
American Coastal Insurance PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, American Coastal Insurance's PB Ratio distribution charts can be found below:
* The bar in red indicates where American Coastal Insurance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
American Coastal Insurance (ACIC) has a PB Ratio of 1.57 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Coastal Insurance and its competitors. This is 16% above median its historical median of 1.35. Over the past decade, American Coastal Insurance's PB Ratio has ranged from 0.16 to 3.77. According to the industry distribution chart, American Coastal Insurance ranks #287 out of 497 companies in the Insurance industry, placing it in the top 57.7%.
Is American Coastal Insurance's PB Ratio too high?
American Coastal Insurance's current PB Ratio of 1.57 is 16% above median its 10-year median of 1.35. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 3.77. The Insurance industry median PB Ratio is 1.38. American Coastal Insurance's value of 1.57 is 13.8% above this industry median. Based on the distribution chart, American Coastal Insurance ranks #287 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, American Coastal Insurance has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does American Coastal Insurance's PB Ratio compare to GBLI and DGICA?
According to the Insurance industry distribution chart, American Coastal Insurance ranks #287 out of 497 companies for PB Ratio. This places American Coastal Insurance in the lower half of its industry. The industry median PB Ratio is 1.38. American Coastal Insurance's value of 1.57 is 13.8% above this benchmark. Historically, American Coastal Insurance's own PB Ratio has ranged from 0.16 to 3.77 over the past decade. While the company's 10-year median is 1.35 vs. the industry median of 1.38, American Coastal Insurance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Coastal Insurance's current PB Ratio of 1.57 is 13.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on American Coastal Insurance and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Coastal Insurance's current PB Ratio is 1.57, which is 16% above median its own 10-year median of 1.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is American Coastal Insurance stock overvalued right now?
Based on GuruFocus' analysis, American Coastal Insurance (ACIC) is currently considered Fairly Valued. The stock's GF Value™ is $11.54, compared to a current price of $10.77 — trading 6.7% below its estimated fair value. The current PB Ratio is 1.57, which is 16% above median its 10-year median of 1.35 and 13.8% above the Insurance industry median of 1.38. American Coastal Insurance's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For American Coastal Insurance (ACIC), the current PB Ratio is 1.57 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is American Coastal Insurance (ACIC) Overvalued in 2026?
Based on GuruFocus' analysis, American Coastal Insurance stock appears to be undervalued.
The current stock price of $10.77 is trading 6.7% below its estimated GF Value™ of $11.54.
GuruFocus considers American Coastal Insurance to be Fairly Valued.
Key valuation signals for ACIC:
PB Ratio: 1.57 (16% above median its 10-year median of 1.35)
GF Value™: $11.54 vs. price of $10.77 (6.7% below fair value)
Industry Position: 13.8% above the Insurance median (#287 of 497)
No single metric tells the full story. See the ACIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
American Coastal Insurance Corp is a holding company that underwrites commercial residential property and casualty insurance policies in the United States through its wholly-owned insurance subsidiary.
52GF Score
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