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PLPLMR

Palomar Holdings, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 60% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (6 mentions/wk)
$PLMR·$3.5B·Insurance - Property & Casualty·Financial Services
$139.59+1.4%YTD-0.8%1Y+24.0%
Price updated 3h ago·X counts updated 12d ago
PLPLMR
$PLMRPalomar Holdings, Inc.
$139.59+1.44%6 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $PLMR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

6X posts · last 7 days
Sep 28Oct 4
Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-06-16

Palomar Holdings is a fresh buy in the AI-portfolio basket on a hurricane-season thesis and rises 4% on day one of the position, with Palomar described as writing earthquake, catastrophe, crop, and fronting coverage that big carriers avoid. Multiple independent recommenders converge on PLMR including a DCA optimizer and wealth manager. Sentiment skews uniformly accumulation-on-thesis.

Read what X is saying about $PLMR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $PLMR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Palomar growing 60%+ YoY in specialty insurance and still at just 15x earnings — the quality grower cooling into Q3.

Palomar Holdings has delivered the kind of growth-at-a-reasonable-price profile that specialty-insurance investors wait for — four EPS beats of 6-27%, Q1 revenue of $279M up 60% YoY, and consistent operating profitability.

  • The revenue growth cadence reads Q1 +60%, Q4 +63%, Q3 +65%, Q2 +53% YoY — this is unusual sustained growth for a P&C specialty insurer, driven by earthquake, catastrophe, crop, and fronting coverage expansion.
  • CEO Armstrong's September 21 sale of 3,500 shares at $134.98 for $472K is modest; sell-side 2026 EPS of $10.08 and 2027 of $11.33 give forward multiples of 12.5x and 11.2x against $126.49 — cheap relative to the growth rate.
  • At 55% of the 52-week range, the stock has not yet re-rated to its growth profile; the September 11 PLMR add to AI-portfolio basket for hurricane-season thesis plus the Zacks growth-stock momentum pieces suggest the sell-side is still catching up.

The November 5 Q3 earnings is the next catalyst — a continuation of the 50%+ revenue growth plus confirmation of the specialty-line pricing power would compress the valuation gap; the near-term risk is any catastrophe-season loss adjustment that resets 2026 margin.

Agrees with X sentimentX is bullish framing PLMR as a specialty-insurance hurricane-season beneficiary with multi-analyst conviction; the TickerTalks read agrees the growth-plus-value profile is attractive heading into Q3.

What to watch: November 5 Q3 earnings and specialty-line pricing commentary; 2026 hurricane and earthquake loss trajectory; any further CEO or executive sales after Armstrong's September trim.

On the calendar: Q3 earnings scheduled 2026-11-05

Read the AI verdict on $PLMR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Writes specialty property insurance for earthquake, residential flood, and catastrophe perils underserved by standard carriers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Insurance - Property & Casualty sits in its cycle right now — and what that implies for $PLMR.

Insurance - Property & Casualty · Financial Services

No material change from last week — Hard P&C pricing cycle with premium rates still outpacing loss-cost inflation and elevated investment yields remain the twin earnings drivers.

What this means for $PLMR

Neutral — Writes specialty property insurance for earthquake, residential flood, and catastrophe perils underserved by standard carriers.

Top industry ETF

$KIESPDR S&P Insurance ETF
+1.1%YTD
+11.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
14.6How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
11.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
25.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
12.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
21.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
60.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 4, 2026$2.36$2.19+7.8%
Q1 2026May 6, 2026$2.31$2.17+6.5%
Q4 2025Feb 11, 2026$2.24$2.06+8.7%
Q3 2025Nov 6, 2025$2.01$1.58+27.2%
Next earningsThu, Nov 5·consensus EPS $2.58

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$278.9M+59.7%68.8%19.2%$1.62$47.0M
Q4 FY25$253.4M+62.8%72.0%28.7%$2.12$115.6M
Q3 FY25$244.7M+64.9%47.2%27.4%$1.93$83.6M
Q2 FY25$201.0M+53.1%51.3%29.8%$1.74$119.2M

Forward consensus

3-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.6B$2.6B – $2.7B$10.08$9.75 – $10.254
FY27$3.1B$3.0B – $3.2B$11.33$10.94 – $11.873
FY28$3.2B$3.2B – $3.2B$12.23$11.33 – $12.702

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.79%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+5.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+9.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 25.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.355-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 21Mac ArmstrongCEO3.5K sh$472KBuySep 2Daryl BradleyDirector1 sh$135SellAug 21Mac ArmstrongCEO3.5K sh$457KSellAug 18Uchida T ChristopherCFO791 sh$101KSellAug 18Jon ChristiansonPresident528 sh$67KSellAug 18Jonathan KnutzenChief Risk Officer296 sh$38KSellJul 31Rodolphe HerveCOO1.2K sh$163KSellJul 21Mac ArmstrongCEO3.5K sh$480KSellJul 20Jon ChristiansonPresident3.0K sh$419KSellJul 15Mac ArmstrongCEO60.7K sh$8.0M
1–10 of 18
+ 18 other (11 exempts · 7 awards) in window

See when $PLMR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDAug 118-K — Item 7.01: Press release / Reg FD
AI summary

Palomar Holdings (PLMR) filed an 8-K on August 12, 2026 (event date August 10) under Item 7.01 (Regulation FD), furnishing an investor presentation or data supplement simultaneously disclosed to the public. The excerpt is the cover page; the actual presentation is in the attached exhibit. Palomar is a specialty property insurer focused on earthquake and other catastrophe risks. Reg FD filings at Palomar typically relate to conference presentations or earnings-related materials.

8-KPress release / Reg FDMay 298-K — Item 7.01: Press release / Reg FD · Item 8.01: Other event
AI summary

Palomar Holdings, Inc. (PLMR) disclosed its addition to Nasdaq Stock Market LLC Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 under 8-K Item 8.01 (other events). Index inclusions are significant because they trigger automatic buying from passive index funds and ETFs that track the benchmark, often resulting in increased share price and trading volume. Index providers typically announce additions in advance of the effective rebalancing date, giving institutions time to adjust their holdings. The event increases PLMR's institutional ownership base and enhances its market visibility and liquidity profile.

8-KOfficer or director changeMay 268-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote · Item 7.01: Press release / Reg FD
AI summary

Palomar Holdings, Inc. (PLMR) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on multiple proposals. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

3New insider — initial holdingsMay 263
AI summary

Beiser Scott L filed a Form 3 with the SEC, disclosing initial beneficial ownership of PLMR securities. This filing is required under Section 16(a) of the Securities Exchange Act within 10 days of becoming a reporting person (officer, director, or 10%+ holder). The filing reports 4 shares of common stock. Form 3 filings establish a baseline ownership record for subsequent Form 4 (changes) and Form 5 (annual) filings, providing transparency into insider positions at PLMR.

+ 5 other (2 10-Qs · 2 8-Ks · 1 13G) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Will Palomar (PLMR) Beat Estimates Again in Its Next Earnings Report?zacks.com·3d agoPalomar: Focus On Earthquake Business And AI Utilizationseekingalpha.com·4d agoHere's Why Palomar (PLMR) is a Strong Growth Stockzacks.com·5d agoHere is Why Growth Investors Should Buy Palomar (PLMR) Nowzacks.com·11d agoSpecialty Insurance: 4 Stocks to Watch in Niche Risks Creating Demandzacks.com·21d ago

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Voices on X · last 7 days

No standout posts about $PLMR on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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