Welcome to our dedicated page for Palomar Holdings SEC filings (Ticker: PLMR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Palomar Holdings, Inc. (NASDAQ: PLMR), a specialty property and casualty insurance holding company. Through these documents, investors can review Palomar’s regulatory disclosures about its earthquake, inland marine and other property, casualty, fronting, and crop insurance activities, as well as its capital structure and risk profile.
Palomar’s annual reports on Form 10-K and quarterly reports on Form 10-Q typically present detailed information on underwriting results, loss and expense ratios, reinsurance arrangements, investment portfolios, and risk factors. These filings also describe the operations of subsidiaries such as Palomar Specialty Insurance Company (PSIC), Palomar Specialty Reinsurance Company Bermuda Ltd. (PSRE), Palomar Excess and Surplus Insurance Company (PESIC), First Indemnity of America Insurance Co. (FIA), and Palomar Crop Insurance Services, Inc. (PCIS), along with the inclusion of Laulima Exchange as a variable interest entity.
Current reports on Form 8-K are especially relevant for tracking material events. Recent 8-Ks have covered the release of quarterly financial results, the approval of a share repurchase program authorizing repurchases of Palomar’s common stock over a multi-year period, and the entry into a material definitive agreement to acquire The Gray Casualty & Surety Company for a specified cash purchase price subject to customary adjustments and regulatory approvals. These filings often include or reference press releases that provide additional context and numerical detail.
Investors interested in insider and executive activity can review Forms 3, 4, and 5 (when available) for information on equity ownership changes and transactions by directors, officers, and significant shareholders. Proxy statements and related filings provide further detail on governance, board composition, and executive compensation.
On Stock Titan, Palomar’s SEC filings are updated in near real time as they are posted to the SEC’s EDGAR system. AI-powered summaries help explain lengthy documents such as 10-Ks and 10-Qs by highlighting key sections on underwriting performance, catastrophe exposure, reinsurance structures, non-GAAP metrics like adjusted net income and adjusted combined ratio, and material corporate actions. This allows users to quickly understand the implications of new filings without reading every page, while still having direct access to the full original documents for deeper analysis.
Palomar Holdings, Inc. is a fast-growing specialty property and casualty insurer focused on earthquake, casualty, inland marine/other property, crop and fronting business. Gross written premiums reached $2.0 billion for the year ended December 31, 2025, up from $1.54 billion in 2024, with earthquake accounting for 28% of premiums and California representing 31% of 2025 premiums.
The company has been profitable since 2016 and reports 2014–2025 compound annual growth of about 55% in gross written premiums and 46% in net income, with 2025 ROE of 23.6% and adjusted ROE of 25.9%. Palomar continues to expand through new products and acquisitions, including FIA (surety), AAP (crop MGA), and Gray Surety, and supports this growth with a new unsecured $450 million credit facility maturing in 2031.
A comprehensive reinsurance program limits single-event pre-tax net losses to $20 million for earthquakes and $11 million for hurricanes, with earthquake coverage up to $3.1 billion and Hawaii hurricane coverage up to $735 million. Investments totaled about $1.35 billion at December 31, 2025, primarily high-grade fixed maturities. The filing also highlights a data-driven underwriting platform, multi-channel distribution, strong A.M. Best ratings for its insurance subsidiaries, and detailed risk factors including catastrophe exposure, climate change, reinsurance availability, and regulatory and technology risks.
Palomar Holdings, Inc. released an updated investor presentation highlighting strong 2025 growth and profitability. Gross written premiums reached
Fourth quarter adjusted net income was
Palomar Holdings, Inc. Chief Financial Officer T. Christopher Uchida reported equity award activity tied to previously granted restricted stock units. On February 18, 2026, 1,530 RSUs were exercised and converted into an equal number of shares of common stock at $0.00 per share, increasing his directly held common stock to 15,535 shares.
On the same date, 783 common shares were sold at an average price of $128.04 per share. According to the footnote, these shares were automatically sold by the company under a mandatory sell-to-cover provision to satisfy minimum statutory tax withholding arising from the RSU vesting. After this tax-related sale, Uchida directly held 14,752 common shares.
Palomar Holdings, Inc. president Jon Christianson reported routine equity compensation activity involving restricted stock units (RSUs). On February 18, 2026, 1,020 RSUs were exercised and converted into an equal number of common shares at a price of $0.00 per share.
On the same date, 522 common shares were sold at $128.04 per share in an open‑market transaction that the company executed automatically under a mandatory sell‑to‑cover provision to satisfy minimum tax withholding tied to the RSU vesting. After these transactions, Christianson directly held 65,919 common shares and 3,060 RSUs, which include 2,410 shares previously purchased through the 2019 Employee Stock Purchase Plan.
Palomar Holdings Chief Risk Officer Jonathan Knutzen reported RSU-related transactions. On February 18, 2026, he exercised 612 Restricted Stock Units, which converted into 612 shares of common stock. Following this, he directly held 27,860 shares of Palomar common stock.
On the same date, 281 shares of common stock were sold at $128.04 per share. A footnote explains these shares were automatically sold by the company under a mandatory sell-to-cover provision to satisfy minimum statutory tax withholding obligations triggered by the RSU vesting. After this sale, Knutzen directly owned 27,579 common shares, including 1,386 shares purchased through the company’s 2019 Employee Stock Purchase Plan.
Jon Christianson filed a notice of proposed sale under Rule 144 covering 612 shares of common stock with an aggregate market value of 77,730, to be sold through Morgan Stanley Smith Barney LLC on or about 02/18/2026 on the NASDAQ market. The issuer has 26,494,524 shares of this class outstanding. Christianson acquired 1,020 restricted common shares from the issuer as compensation on 02/18/2026. Over the prior three months, he has already sold multiple blocks of common shares, including 522 shares for gross proceeds of 67,254 on 11/18/2025 and 1,691 shares for 235,895 on 12/23/2025, as well as additional sales in January 2026.
PLMR insider Chris Uchida filed a notice of proposed stock sales under Rule 144. The filing covers 918 shares of common stock to be sold through Morgan Stanley Smith Barney LLC on NASDAQ, with an aggregate market value of 116,595 and 26,494,524 shares outstanding.
The securities to be sold were acquired on 02/18/2026 as restricted stock from the issuer as compensation, totaling 1,530 shares acquired on that date. Over the past three months, Uchida has also sold 782, 2,103, 1,326, and 545 common shares on prior dates, with respective gross proceeds of 100,753, 252,108, 161,829, and 66,351.
Armstrong Mac reported open-market sale transactions in a Form 4 filing for PLMR. The filing lists transactions totaling 5,000 shares at a weighted average price of $122.60 per share. Following the reported transactions, holdings were 348,088 shares.
Palomar Holdings insider Mac Armstrong has filed a notice to sell 5,000 shares of common stock through Morgan Stanley Smith Barney on or around 02/12/2026, with the shares listed on NASDAQ. The filing shows 26,501,692 common shares outstanding at the time the notice was prepared.
The 5,000 shares to be sold were recently acquired as restricted stock units, including 2,061 units and 2,939 units that vested on 01/31/2026 and 01/29/2026. Over the past three months, Armstrong and the Armstrong Family Trust have already sold multiple blocks of Palomar common stock, such as 11,484 shares on 01/28/2026 for about $1.38 million and 5,000 shares on 01/21/2026 under a Rule 10b5-1 plan.
Palomar Holdings reported very strong fourth quarter and full year 2025 results, driven by rapid premium growth and higher profitability. For Q4 2025, net income rose to $56.2 million, or $2.06 per diluted share, up from $35.0 million, or $1.29, a year earlier. Adjusted net income increased to $61.1 million, or $2.24 per diluted share.
Fourth quarter gross written premiums grew 31.8% to $492.6 million, while the combined ratio was 76.8% and adjusted combined ratio 73.4%, indicating solid underwriting profitability. Annualized return on equity reached 24.7%, with annualized adjusted return on equity of 26.9%.
For full year 2025, gross written premiums climbed 31.5% to $2.0 billion. Net income increased 67.6% to $197.1 million, and adjusted net income rose 61.9% to $216.1 million. The full year combined ratio improved to 76.9% and adjusted combined ratio to 72.7%, supporting a 23.6% return on equity. The company issued 2026 guidance for adjusted net income of $260 million to $275 million, which includes an estimate of $8 million to $12 million of catastrophe losses.