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PLMRPalomar Holdings, Inc.Hold6.6·$115.21+0.05%
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Palomar Holdings, Inc. (PLMR) Stock Analysis

Recovery setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Insurance - Property & Casualty

Hold if already holding. Not a fresh buy at $115.21, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.0%/30d (confirmed downtrend).

Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting products through admitted and E&S market subsidiaries with an A-rated financial strength. Gross written premiums grew to $2.0 billion in 2025; the company... Read more

$115.21+16.4% A.UpsideScore 6.6/10#2 of 29 Insurance - Property & Casualty
QualityF-score7 / 9FCF yield17.31%
Stop $107.15Target $134.13(analyst − 13%)A.R:R 1.3:1
Analyst target$154.17+33.8%6 analysts
$134.13our TP
$115.21price
$154.17mean
$168

Hold if already holding. Not a fresh buy at $115.21, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.0%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 52. Maintain position. Not compelling to add more. Score 6.6/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 52d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-12
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Aug 3, 202652d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Below 200-MA, MA slope -2.0%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)16.1
P/E (Fwd)10.3
Mkt Cap$3.1B
EV/EBITDA12.3
Profit Mgn20.1%
ROE22.5%
Rev Growth59.7%
Beta0.44
DividendNone
Rating analysts15

Quality Signals

Piotroski F7/9MoatNarrow

Options Flow

P/C0.67bullish
IV58%elevated
Max Pain$150+30.2% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicCalifornia31%
    10-K Item 1: 'California represents our largest current exposure with 31% of our gross written premiums for the year ended December 31, 2025'
  • MEDIUMProductearthquake insurance28%
    10-K Item 1: 'approximately 28% of our gross written premiums were related to earthquake insurance'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
1.8
Bollinger
2.3
52w Position
3.1
GatesA.R:R 1.3 < 1.5@spotDeath cross (50MA < 200MA)Momentum 5.7>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 52d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
52 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $100.81Resistance $118.27

Price Targets

$107
$134
A.Upside+16.4%
A.R:R1.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! asymmetry at 1.3 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-03 (52d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PLMR stock a buy right now?

Hold if already holding. Not a fresh buy at $115.21, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.0%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 52. Maintain position. Not compelling to add more. Target $134.13 (+16.4%), stop $107.15 (−7.5%), A.R:R 1.3:1. Score 6.6/10, moderate confidence.

What is the PLMR stock price target?

Take-profit target: $134.13 (+16.4% upside). Target $134.13 (+16.4%), stop $107.15 (−7.5%), A.R:R 1.3:1. Stop-loss: $107.15.

What are the risks of investing in PLMR?

Below 200-MA, MA slope -2.0%/30d (confirmed downtrend).

Is PLMR overvalued or undervalued?

Palomar Holdings, Inc. trades at a P/E of 16.1 (forward 10.3). TrendMatrix value score: 8.1/10. Verdict: Hold.

What do analysts say about PLMR?

15 analysts cover PLMR with a consensus score of 4.1/5. Average price target: $154.

What does Palomar Holdings, Inc. do?Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting...

Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting products through admitted and E&S market subsidiaries with an A-rated financial strength. Gross written premiums grew to $2.0 billion in 2025; the company distributes through retail agents, wholesale brokers, and program administrators, with California as its largest state at 31% of GWP.

Related stocks: SLDE (Slide Insurance Holdings, Inc.) · STC (Stewart Information Services Co) · ORI (Old Republic International Corp) · MCY (Mercury General Corporation) · HCI (HCI Group, Inc.)
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