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PLPLMR

Palomar Holdings, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 60% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (19 mentions/wk)
$PLMR·$3.6B·Insurance - Property & Casualty·Financial Services
$135.22+0.7%YTD-0.2%1Y-6.8%
Mentions · last 7 days
2026-07-10: 3 posts2026-07-11: 0 posts2026-07-12: 2 posts2026-07-13: 1 posts2026-07-14: 1 posts2026-07-15: 7 posts2026-07-16: 3 posts190%
Price updated 8m ago·X counts updated 18h ago
PLPLMR
$PLMRPalomar Holdings, Inc.
$135.22+0.74%19 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $PLMR, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersWinding up for a moveAI verdict · as of 2026-07-17

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

Specialty catastrophe insurer near 52-week highs, added to Nasdaq indices, tagged 'Top Momentum' by Zacks four separate times.

Palomar Holdings underwrites specialty property insurance the majors avoid: earthquake, catastrophe-exposed coastal property, crop insurance, and fronting arrangements.

  • Index inclusion: an 8-K disclosed addition to Nasdaq's index — passive-flow tailwind.
  • Corporate governance: standard annual meeting outcome (all management items approved); new director Scott L Beiser filed an initial Form 3.
  • Sell-side attention is concentrated and consistent: Zacks named PLMR a 'Top Momentum Stock' twice, flagged a 200-day-average breakout, and noted a 7.2% surge — momentum-quant coverage is stacking up ahead of hurricane season.
  • Valuation: PE ~15, P/S ~2.9 — reasonable for a specialty P&C with double-digit growth. The multiple has room if underwriting stays disciplined.
  • Price: $134.23, up 2% on the day but only flat YTD and -7% twelve-month — the recent rally has retraced part of a larger drawdown.

Close: The coil is around a Q2 print and the beginning of Atlantic hurricane season. What breaks it upward: a benign event season with earned-premium acceleration. What breaks it lower: a genuine cat-loss event.

Agrees with X sentimentX sentiment reflects the same hurricane-season thesis and specialty-lines-Palomar-writes-what-others-avoid framing — verdict aligns; note the recommenders in the X thread are model-based, not fundamental analysts.

What to watch: Next quarterly earnings for gross-written-premium growth; NOAA hurricane-season forecasts and any actual Atlantic land-falling events; California earthquake exposure; reinsurance renewal terms.

On the calendar: Q2 2026 earnings (date TBD)

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment5 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 the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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 — climate-driven cat events push combined ratios higher across P&C underwriters, keeping reinsurance costs sticky even as rate cycles moderate.

What this means for $PLMR

Direct beneficiary — Writes specialty property insurance for earthquake, residential flood, and catastrophe perils underserved by standard carriers; the company is structurally positioned to capture the climate-driven cat events and P&C rate hardening.

Top industry ETF

$KIESPDR S&P Insurance ETF
+5.6%YTD
+10.9%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
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%
Q2 2025Aug 4, 2025$1.76$1.68+4.8%
Next earningsMon, Aug 3·consensus EPS $2.19

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$9.83$9.34 – $10.124
FY27$3.2B$3.1B – $3.3B$11.09$10.64 – $11.703
FY28$1.4B$1.4B – $1.5B$12.24$11.87 – $12.721

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.1.4×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.71%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.+13.5%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.+9.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 25.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.7% 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.β0.415-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

SellJul 2Jon ChristiansonPresident4.4K sh$618KSellJun 28Timothy CarterChief People Officer480 sh$60KSellJun 22Mac ArmstrongCEO3.5K sh$395KSellMay 21Mac ArmstrongCEO3.5K sh$400KSellMay 18Jonathan KnutzenChief Risk Officer281 sh$32KSellMay 18Uchida T ChristopherCFO783 sh$90KSellMay 18Jon ChristiansonPresident522 sh$60KSellApr 21Mac ArmstrongCEO3.5K sh$458KSellApr 15Mac ArmstrongCEO3.2K sh$414KSellApr 15Jon ChristiansonPresident1.9K sh$249K
1–10 of 21
+ 24 other (17 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 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.

8-KPress release / Reg FDFeb 238-K — Item 7.01: Press release / Reg FD
8-KMaterial agreementFeb 28-K — Item 1.01: Material agreement · Item 2.01: Acquisition completed · Item 2.03: Material debt obligation · Item 7.01: Press release / Reg FD
+ 10 other (2 13Gs · 2 proxys · 1 10-Q · 1 8-K) in window

Recent news

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

Why Palomar (PLMR) is a Top Momentum Stock for the Long-Termzacks.com·1d agoPLMR Outperforms Industry, Trades Near 52-Week High: Time to Exit?zacks.com·14d agoPalomar (PLMR) Recently Broke Out Above the 200-Day Moving Averagezacks.com·18d agoPalomar (PLMR) Surges 7.2%: Is This an Indication of Further Gains?zacks.com·18d agoPalomar (PLMR) is a Top-Ranked Momentum Stock: Should You Buy?zacks.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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