Palomar Holdings, Inc. (PLMR) Stock Analysis
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $122.09, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: California; Earnings in 5 days (event risk).
Palomar Holdings is a specialty insurance company providing property and casualty products across Earthquake, Casualty, Inland Marine, Crop, and Fronting categories in admitted and E&S markets. It grew gross written premiums from $16.6 million at founding to $2.0 billion by end... Read more
Hold if already holding. Not a fresh buy at $122.09, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: California; Earnings in 5 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.
Passes 5/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and earnings proximity 5d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicCalifornia10-K Item 1A: 'Our business is concentrated in California and we are exposed more significantly to California loss activity and regulatory environments'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $122.09, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: California; Earnings in 5 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $142.83 (+17.0%), stop $115.70 (−5.5%), A.R:R 2.9:1. Score 6.5/10, moderate confidence.
Take-profit target: $142.83 (+16.9% upside). Target $142.83 (+17.0%), stop $115.70 (−5.5%), A.R:R 2.9:1. Stop-loss: $115.70.
Concentration risk — Geographic: California; Earnings in 5 days (event risk); Negative momentum.
Palomar Holdings, Inc. trades at a P/E of 16.8 (forward 10.9). TrendMatrix value score: 8.0/10. Verdict: Hold.
14 analysts cover PLMR with a consensus score of 4.1/5. Average price target: $164.
What does Palomar Holdings, Inc. do?Palomar Holdings is a specialty insurance company providing property and casualty products across Earthquake, Casualty,...
Palomar Holdings is a specialty insurance company providing property and casualty products across Earthquake, Casualty, Inland Marine, Crop, and Fronting categories in admitted and E&S markets. It grew gross written premiums from $16.6 million at founding to $2.0 billion by end of 2025, and is the 2nd largest earthquake insurer in California and 3rd largest in the U.S.