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PLPLMR

Palomar Holdings, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 60% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (10 mentions/wk)
$PLMR·$3.5B·Insurance - Property & Casualty·Financial Services
$131.63+1.6%YTD+1.2%1Y+6.1%
Mentions · last 7 days
2026-08-19: 1 posts2026-08-20: 0 posts2026-08-21: 1 posts2026-08-22: 1 posts2026-08-23: 1 posts100%
Price updated 8h ago·X counts updated 5d ago
PLPLMR
$PLMRPalomar Holdings, Inc.
$131.63+1.61%10 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 numbersAcceleratingAI verdict · as of 2026-08-28

The move is getting stronger, with heavier trading behind it.

Four straight beats and 60% premium growth in specialty catastrophe insurance, at 14.6x earnings.

Palomar Holdings is roughly flat over twelve months while the underlying business has grown remarkably: revenue rose 53%, 65%, 63% and 60% year over year across four quarters, and the last four reports beat consensus EPS by 27%, 9%, 6% and 8%. ROE of 21.7%, a 12.7% free-cash-flow yield and a 14.6x P/E on that growth rate are an unusual combination.

The business is specialty property insurance — residential and commercial earthquake, Hawaii hurricane, inland marine, flood — written where large carriers have withdrawn. That is the whole model: underwrite risks the majors avoid, price them properly, and reinsure the tail. It works until it doesn't, and the failure mode is a single large catastrophe overwhelming the reinsurance structure. Earthquake exposure in particular is low-frequency and high-severity, so a decade of good results tells you less than it appears to.

The flat share price against 60% premium growth suggests the market is discounting exactly that: growth in catastrophe exposure is not the same as growth in earnings quality, and hurricane season is an annual reminder.

August insider activity was consistent selling across the leadership team — CEO Mac Armstrong sold $457,000, plus four officers exercising and selling smaller amounts. Modest in scale, but uniformly one-directional.

X sentiment is bullish on a hurricane-season thesis with several independent recommenders converging, which is a coherent read of the growth but light on the catastrophe-tail risk.

Agrees with X sentimentBullish X chatter correctly identifies the niche — writing catastrophe risk the majors avoid — and the growth is real. It does not engage the tail risk that defines this business model, or the uniform August insider selling.

What to watch: Catastrophe loss experience through hurricane season, and whether the reinsurance program holds at reasonable cost. Whether premium growth stays above 40%. November 5 earnings against a $2.68 estimate.

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

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

Neutral — Writes specialty property insurance for earthquake, residential flood, and catastrophe perils underserved by standard carriers; limited read-through from insurance - property & casualty macro dynamics to this specific revenue mix.

Top industry ETF

$KIESPDR S&P Insurance ETF
+7.7%YTD
+8.6%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 $2.68

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 – $10.114
FY27$3.2B$3.1B – $3.3B$11.04$10.68 – $11.743
FY28$1.4B$1.4B – $1.5B$11.98$10.84 – $13.121

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.0.6×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.66%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.-0.3%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.+5.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 25.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.5% 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.

Insider activity

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

Recent transactions

SellAug 21Mac ArmstrongCEO3.5K sh$457KSellAug 18Jonathan KnutzenChief Risk Officer296 sh$38KSellAug 18Uchida T ChristopherCFO791 sh$101KSellAug 18Jon ChristiansonPresident528 sh$67KSellJul 31Rodolphe HerveCOO1.2K sh$163KSellJul 21Mac ArmstrongCEO3.5K sh$480KSellJul 20Jon ChristiansonPresident3.0K sh$419KSellJul 15Mac ArmstrongCEO60.7K sh$8.0MSellJul 2Jon ChristiansonPresident4.4K sh$618KSellJun 28Timothy CarterChief People Officer480 sh$60K
1–10 of 21
+ 21 other (14 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.

+ 9 other (2 10-Qs · 2 8-Ks · 2 13Gs · 2 proxys) in window

Recent news

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

48,512 Shares in Palomar Holdings, Inc. $PLMR Acquired by Deutsche Bank AGdefenseworld.net·4d agoBlackRock Inc. Buys Shares of 4,401,832 Palomar Holdings, Inc. $PLMRdefenseworld.net·4d agoDanske Bank A S Purchases New Stake in Palomar Holdings, Inc. $PLMRdefenseworld.net·6d agoDanske Bank A S Purchases New Stake in Palomar Holdings, Inc. $PLMRdefenseworld.net·6d agoCan Strong Premium Growth Sustain Palomar's Earnings Momentum?zacks.com·8d 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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