NODK
NI Holdings, Inc. Financial Services - Insurance - Property & Casualty Investor Relations →
NI Holdings, Inc. (NODK) closed at $13.57 as of 2026-02-02, trading 3.6% below its 200-week moving average of $14.08. This places NODK in the below line zone. The stock is currently moving closer to the line, down from -3.4% last week. The 14-week RSI sits at 57, indicating neutral momentum.
Over the past 416 weeks of data, NODK has crossed below its 200-week moving average 12 times. On average, these episodes lasted 24 weeks. Historically, investors who bought NODK at the start of these episodes saw an average one-year return of +0.1%.
With a market cap of $281 million, NODK is a small-cap stock. The company generates a free cash flow yield of 19.0%, which is notably high. Return on equity stands at 1.1%. The stock trades at 1.1x book value.
Management has been repurchasing shares, with a 2.6% reduction over three years. This stock also meets the Yartseva multibagger criteria as a small-cap with strong free cash flow yield and reasonable book value.
Over the past 8.1 years, a hypothetical investment of $100 in NODK would have grown to $82, compared to $288 for the S&P 500. NODK has returned -2.3% annualized vs 14.0% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Growth of $100: NODK vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After NODK Crosses Below the Line?
Across 12 historical episodes, buying NODK when it crossed below its 200-week moving average produced an average return of -1.2% after 12 months (median +0.0%), compared to +13.5% for the S&P 500 over the same periods. 42% of those episodes were profitable after one year. After 24 months, the average return was -2.8% vs +29.5% for the index.
Each line shows $100 invested at the moment NODK crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
NODK has crossed below its 200-week MA 12 times with an average 1-year return of +0.1% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Feb 2018 | Mar 2018 | 2 | 2.7% | -6.6% | -17.7% |
| Mar 2018 | Jun 2018 | 14 | 3.7% | -4.6% | -17.9% |
| Jul 2018 | Aug 2018 | 6 | 2.1% | +5.3% | -17.6% |
| Sep 2018 | Sep 2018 | 1 | 0.4% | +0.6% | -19.0% |
| Oct 2018 | May 2019 | 29 | 10.7% | +7.7% | -17.2% |
| Aug 2019 | Aug 2019 | 1 | 2.2% | +4.2% | -16.4% |
| Nov 2019 | Dec 2019 | 3 | 2.2% | +6.4% | -16.7% |
| Dec 2019 | Jul 2020 | 30 | 37.5% | -1.0% | -18.2% |
| Aug 2020 | Sep 2020 | 5 | 2.7% | +23.1% | -14.6% |
| Apr 2022 | Jun 2022 | 10 | 8.1% | -16.3% | -15.2% |
| Jul 2022 | Nov 2024 | 121 | 23.8% | -17.7% | -19.4% |
| Dec 2024 | Ongoing | 60+ | 18.6% | Ongoing | -11.4% |
| Average | 24 | — | +0.1% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02