Which has the lower trailing P/E, ACIC or AMSF?

ACIC has the lower trailing P/E: ACIC trades at 4.62 and AMSF at 9.39. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, ACIC or AMSF?

Neither grew: over the past five years both shrank revenue, with AMSF's decline the smaller — ACIC at a -15.60% CAGR versus AMSF at -0.02%.

Does ACIC or AMSF pay a bigger dividend?

AMSF pays a dividend (11.25% yield), while ACIC is a former payer with no current dividend run rate.

Is ACIC or AMSF more profitable?

ACIC runs the higher net margin — ACIC at 30.33% versus AMSF at 14.00%.

How have ACIC and AMSF total returns compared?

Over the past 10 years, ACIC delivered -3.70% and AMSF delivered -2.95% annualized total return. Past performance doesn't predict future results.

American Coastal Insurance Corporation (ACIC) vs AMERISAFE, Inc. (AMSF)

A side-by-side comparison of American Coastal Insurance Corporation and AMERISAFE, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ACIC

American Coastal Insurance Corporation

$450M

$9.28Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

AMSF

AMERISAFE, Inc.

$435M

$23.28Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

Total return — ACIC vs AMSF

growth of $100 · dividends reinvested · last 10y

ACIC -29.3% (-3.4%/yr)AMSF -25.5% (-2.9%/yr)AMSF compounded faster over this window

ACIC AMSF

ACIC vs AMSF: by the numbers

•ACIC is the larger company ($450M vs $435M market cap).
•ACIC trades at the lower trailing earnings multiple (4.62 vs 9.39 P/E), one valuation lens rather than an overall verdict.
•ACIC converts more revenue to profit (30.33% vs 14.00% net margin).
•Both shrank revenue over the past five years; AMSF's decline was smaller (-0.02% vs -15.60% CAGR).
•AMSF pays a dividend (11.25% yield), while ACIC is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	ACIC	AMSF
P/E ratio	4.62	9.39
Forward P/E	9.67	11.79
P/S ratio	1.36	1.30
P/B ratio	1.32	1.74

Profitability

Metric	ACIC	AMSF
Operating margin	40.30%	18.55%
Net margin	30.33%	14.00%
ROE	29.40%	18.79%

American Coastal Insurance Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

AMERISAFE, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	ACIC	AMSF
Dividend yield	N/A	11.25%
Payout ratio	N/A	105.65%

Growth (annualized)

Metric	ACIC	AMSF
Revenue CAGR (5Y)	-15.60%	-0.02%
EPS CAGR (5Y)	N/A	-11.20%
Total return CAGR (5Y)	20.03%	-9.78%

Frequently asked

Which has the lower trailing P/E, ACIC or AMSF?: ACIC has the lower trailing P/E: ACIC trades at 4.62 and AMSF at 9.39. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, ACIC or AMSF?: Neither grew: over the past five years both shrank revenue, with AMSF's decline the smaller — ACIC at a -15.60% CAGR versus AMSF at -0.02%.
Does ACIC or AMSF pay a bigger dividend?: AMSF pays a dividend (11.25% yield), while ACIC is a former payer with no current dividend run rate.
Is ACIC or AMSF more profitable?: ACIC runs the higher net margin — ACIC at 30.33% versus AMSF at 14.00%.
How have ACIC and AMSF total returns compared?: Over the past 10 years, ACIC delivered -3.70% and AMSF delivered -2.95% annualized total return. Past performance doesn't predict future results.

Go deeper

Full ACIC analysis Full AMSF analysis Interactive comparison tool

Dig into the metrics

American Coastal Insurance P/E ratio AMERISAFE P/E ratio AMERISAFE dividend yield American Coastal Insurance ROE AMERISAFE ROE American Coastal Insurance operating margin AMERISAFE operating margin American Coastal Insurance revenue growth AMERISAFE revenue growth

American Coastal Insurance & AMERISAFE appear in these rankings

Highest Dividend Yield Stocks Highest ROE Stocks Highest Operating Margin Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.