Equity Profile
Pre-Earnings Brief
Palomar Holdings Inc (PLMR) operates in the financial sector, specifically in property and casualty insurance. The company plays a crucial role in providing coverage for various risks, which is especially important in today's unpredictable climate of natural disasters and economic fluctuations.
EPS
Earnings per share is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
Revenue figures provide insight into the company's growth and market demand for its insurance products.
Wall Street expectations, options signals, track record, and call prep available with Pro.
EPS Beat Streak
8Q
EPS Beat Rate
100%
Avg EPS Surprise
+28.12%
Avg Stock Reaction
+0.30%
In Q4 2025, Palomar reported an EPS of $2.24, significantly exceeding estimates, which indicates strong operational performance. However, revenue figures were not disclosed.
Management Promises & Guidance
Analysts are generally optimistic about Palomar's upcoming earnings, expecting solid EPS and revenue growth. The company has consistently beaten earnings estimates in the past, which builds positive sentiment.
Bull Case
If Palomar can maintain its track record of beating EPS estimates, it could signal robust demand for its insurance products and effective cost management.
Bear Case
Conversely, if the company fails to meet expectations or provides cautious guidance, it could raise concerns about its growth trajectory and market conditions.
EPS
$2.20Earnings per share is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
$248MRevenue figures provide insight into the company's growth and market demand for its insurance products.
Expectations
The print will turn on these two things.
Q1
Will the EPS exceed the consensus estimate of $2.20?
Given Palomar's history of beating EPS estimates, this figure will be crucial for maintaining investor confidence.
Q2
What guidance will management provide regarding future revenue growth?
Investors will closely watch for any hints about market conditions and growth strategies that could impact future performance.
Edge
Why consensus could be wrong
The Street may underestimate Palomar's ability to capitalize on emerging insurance needs, particularly in disaster-prone areas.
Supporting Evidence
Palomar has consistently outperformed EPS estimates, indicating strong management and operational execution.
The options market is pricing a larger move than historical averages, suggesting heightened expectations.
Insider selling could indicate confidence in the company's future performance despite the recent transactions.
Key Risk
If the company reports an EPS significantly below $2.14, it could challenge the current bullish sentiment.
Edge
Pre-commit to what would confirm each case.
The upcoming earnings report will test the company's ability to sustain its growth momentum in a competitive insurance market.
Bull Confirmed If
An EPS of $2.25 or higher would confirm strong operational performance and market demand.
Bear Confirmed If
An EPS below $2.14 could raise concerns about profitability and market conditions.
Pre-Earnings Positioning
Implied Move
±6.02%
Historical Avg
±1.4%
The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.
Options are pricing ±5.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.
30d HV
31.9%
Edge
Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.
Bought
$0.00
0 sh
0 insiders
Sold
$1.5M
11,634 sh
2 insiders
Net
$1.5M
Net selling
Most Active Insiders· 7 open-market trades
$871,563.28
Net selling
$624,142.19
Net selling
Recent Transactions
Apr 15, 2026 · @ $129.46
3,197 sh
$413,883.62
Apr 7, 2026 · @ $125.00
3,000 sh
$375,000.00
Open-market trades only (Form 4 codes P/S). Awards, exercises, and tax-withholding excluded as routine compensation noise.
Preparation
Likely market behavior by outcome — not investment advice.
Beat & Raise
If Palomar beats expectations, history suggests a potential stock increase of around +0.30%, confirming strong demand and operational efficiency.
In-Line / Cautious
If results are in line with expectations, the stock may remain stable, but cautious management commentary could lead to a muted response.
Miss
A miss on EPS could lead to a decline, with historical patterns suggesting a drop of around -1.43%.
Preparation
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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APPLE HOSPITALITY RE REIT
Apr 15, 2026 · @ $128.59
1,857 sh
$238,795.53
Apr 21, 2026 · @ $129.91
1,622 sh
$210,706.23
Apr 21, 2026 · @ $131.73
1,200 sh
$158,079.96