PLMR
Palomar Holdings, Inc. Financial Services - Specialty Insurance Investor Relations →
Palomar Holdings, Inc. (PLMR) closed at $133.66 as of 2026-09-11, trading 40.2% above its 200-week moving average of $95.32. The stock is currently moving closer to the line, down from 43.8% last week. The 14-week RSI sits at 70, indicating neutral momentum.
Trading volume is running at 0.7x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.87 ratio) is neutral — neither side is clearly dominating.
Over the past 338 weeks of data, PLMR has crossed below its 200-week moving average 2 times. On average, these episodes lasted 50 weeks. The average one-year return after crossing below was -10.9%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $3.5 billion, PLMR is a mid-cap stock. The company generates a free cash flow yield of 16.1%, which is notably high. Return on equity stands at 22.2%, indicating strong profitability. The stock trades at 3.6x book value.
Share count has increased 6.0% over three years, indicating dilution. PLMR passes our Buffett quality screen: high return on equity, low debt, and positive free cash flow.
Over the past 6.6 years, a hypothetical investment of $100 in PLMR would have grown to $274, compared to $323 for the S&P 500. PLMR has returned 16.5% annualized vs 19.5% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 34.9% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: PLMR vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After PLMR Crosses Below the Line?
Across 2 historical episodes, buying PLMR when it crossed below its 200-week moving average produced an average return of -17.5% after 12 months (median -5.0%), compared to -2.0% for the S&P 500 over the same periods. After 24 months, the average return was +31.0% vs +27.5% for the index.
Each line shows $100 invested at the moment PLMR crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices PLMR would reach each dislocation threshold.
Dislocation Price Levels
Prices where PLMR's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-11-05.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $120.16 | Unusually cheap — analysis point |
| Value | +1σ | $127.48 | Cheap vs. own history |
| Fair Value | +0σ | $135.75 | Historical mean behavior |
| Expensive | -1σ | $145.17 | Expensive vs. own history |
| Deep Expensive | -2σ | $155.99 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-08-04 | $2.21 | $2.36 | +6.6% |
| 2026-05-06 | $2.20 | $2.31 | +5.1% |
| 2026-02-11 | $2.09 | $2.24 | +7.1% |
| 2025-11-06 | $1.61 | $2.01 | +24.8% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from PLMR's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
PLMR has crossed below its 200-week MA 2 times with an average 1-year return of +-10.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Dec 2021 | Aug 2022 | 34 | 30.7% | -19.0% | +109.4% |
| Nov 2022 | Feb 2024 | 65 | 31.5% | -2.8% | +119.4% |
| Average | 50 | — | +-10.9% | — |
Frequently Asked Questions
Is PLMR below its 200-week moving average?
No. Palomar Holdings, Inc. (PLMR) is currently 40.2% above its 200-week moving average of $95.32. It would need to fall to $95.32 to cross below the line.
What is PLMR's 200-week moving average price?
Palomar Holdings, Inc.'s 200-week moving average is $95.32 as of 2026-09-11. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when PLMR drops below its 200-week moving average?
PLMR has crossed below its 200-week moving average 2 times in our data. The average one-year return after these crossings was -10.9%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 50 weeks on average.
Is PLMR a good value right now?
Here's what our data says about PLMR as of 2026-09-11: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 70. Free cash flow yield is 16.1%. Return on equity is 22.2%. Price-to-book is 3.6x. This is not a buy or sell recommendation — always do your own research.
How does PLMR compare to the S&P 500?
Over the past 6.6 years, $100 invested in PLMR would have grown to $274, compared to $323 for the S&P 500. That's 16.5% annualized vs 19.5% for the index. PLMR has underperformed the broader market over this period.
Does PLMR pay a dividend?
Yes. Palomar Holdings, Inc. currently pays a dividend yield of 135.00%.
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 week of 2026-09-11