{"filings":[{"id":858196,"accession_number":"0001193125-26-257186","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-06-04T18:57:56+00:00","items":["5.07"],"status":"ready","headline":"Presurance Holdings shareholders elect two Class II directors, ratify Grant Thornton as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Timothy M. Lamothe elected with 19,020,996 votes for, 340,032 withheld.","Isolde G. O'Hanlon elected with 19,010,161 votes for, 350,867 withheld.","Ratification of Grant Thornton LLP as auditor: 20,542,043 for, 4,882 against, 1,005,956 abstain.","Quorum of 82.2% of outstanding shares (21,552,879 of 26,222,881) present.","Directors serve three-year term until the 2029 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":724157,"accession_number":"0001193125-26-245505","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-05-28T21:10:02+00:00","items":["3.03","5.03","7.01","8.01","9.01"],"status":"ready","headline":"Presurance Holdings announces 1-for-7 reverse stock split to meet Nasdaq listing requirements","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved 1-for-7 reverse stock split on May 11, 2026, effective June 1, 2026 at 5:00 p.m. ET.","Outstanding shares will reduce from ~26.2 million to ~3.7 million; authorized shares remain 100 million.","Stockholders approved the reverse split range (1-for-2 to 1-for-12) at the June 3, 2025 annual meeting.","Fractional shares will be rounded down and stockholders paid cash based on Nasdaq closing price.","Common stock continues trading under symbol PRHI; new CUSIP is 20731J 409."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":440836,"accession_number":"0001193125-26-223815","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-05-14T19:24:14+00:00","items":["2.02","9.01"],"status":"ready","headline":"Presurance Q1 net income improves to $2.6M; personal lines combined ratio turns profitable at 97.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.6M ($0.15/share) vs $522K ($0.04) YoY; adj. operating loss $2.8M ($0.16) vs $3.7M loss.","Gross written premiums $11.5M, down 29% YoY reflecting exit from commercial lines.","Combined ratio improved to 105.7% from 140.5%; personal lines combined ratio 97.9% (profitable).","Loss ratio improved to 56.2% from 89.7%; CEO cites repositioning to disciplined underwriting.","Net investment income $1.1M vs $1.3M prior year; book value $0.96 vs $2.09 per share."],"consensus_eps_estimate":null,"consensus_eps_actual":0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":11547000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104691,"accession_number":"0001193125-26-131827","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-03-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Presurance Holdings Q4 net loss $17.0M; combined ratio 333.5% on legacy run-off","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss allocable to common shareholders of $17.0M ($1.39/diluted share) vs loss of $25.4M a year ago.","Gross written premiums fell 41.9% YoY to $7.9M; personal lines comprised 100% of Q4 premium.","Combined ratio worsened to 333.5% from 292.9%, driven by 178.7-point adverse prior-year development from commercial lines run-off.","Book value per share dropped to $0.73 from $1.76; adjusted operating loss per share $1.24.","CEO cites 'lingering effects of legacy commercial lines run-off' as primary factor; company focusing on personal lines homeowners business."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104690,"accession_number":"0001193125-26-096466","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-03-06T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"Presurance Holdings receives Nasdaq delisting notice; bid price below $1.00 for 30 days","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Nasdaq notified Presurance on March 3, 2026, for non-compliance with minimum bid price of $1.00 per share.","Company has 180 calendar days (until August 31, 2026) to regain compliance by closing at $1.00+ for 10 consecutive days.","Shareholder-approved reverse stock split (1:2 to 1:12) authorized; board may implement before June 3, 2026, to cure.","If not cured by Aug 31, company may seek additional 180 days if eligible; otherwise delisting with appeal rights.","No assurance of regaining compliance; management monitoring options and considering available remedies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104689,"accession_number":"0001193125-26-081526","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-02-27T23:59:59+00:00","items":["1.01","3.02","3.03","5.03","7.01","9.01"],"status":"ready","headline":"Presurance Holdings closes $14M rights offering; redeems Series B Preferred Stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Rights offering closed Feb 27, 2026: 4,284,640 shares subscribed at $1.00/share, raising ~$4.3M from rights holders.","Clarkston backstop purchased 9,715,360 shares for ~$2.2M cash plus offset from Series B Preferred redemption.","Total gross proceeds $14M; used $7.5M to redeem all outstanding Series B Preferred Stock from Clarkston.","Certificate of Correction filed to fix Series B dividend rate and allow redemption at any time.","Warrant amended to correct errors and limit holder rights."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104688,"accession_number":"0001193125-26-048748","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Shareholder James Petcoff files lawsuit against Presurance Holdings alleging fiduciary breaches","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Complaint filed on Feb 10, 2026 by shareholder James Petcoff against company, directors, CEO, and Clarkston 91.","Alleges breaches of fiduciary duties and Michigan law related to Series B Preferred Stock and warrants sales (Feb/Mar 2025) and Series C Preferred Stock sale (Dec 2025) to Clarkston 91.","Company states it will vigorously defend the matter.","The lawsuit challenges the fairness and process of the preferred stock issuances to Clarkston 91."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104687,"accession_number":"0001193125-26-041390","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-02-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Presurance Holdings launches rights offering; stockholders can buy 1.145 shares per right at $1.00","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders of record on Feb 6, 2026 receive one non-transferable Subscription Right per share.","Each right entitles holder to purchase 1.145 shares of common stock at $1.00 per share.","Rights offering expires at 5:00 p.m. NYC time on February 24, 2026.","Beneficial owners must instruct brokers to exercise before the deadline.","Offering is made under effective Form S-1 (File No. 333-292735) and prospectus."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104686,"accession_number":"0001193125-26-025148","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Presurance Holdings sets Feb 6 record date for $14M rights offering at $1/share","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Record date of February 6, 2026 for previously announced $14,000,000 rights offering.","Non-transferable subscription rights to purchase up to 14,000,000 shares at $1.00 per share.","Distribution at no charge to holders of common stock as of record date; prospectus supplement pending."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120988,"accession_number":"0001193125-25-337040","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-12-30T23:59:59+00:00","items":["1.01","3.02","3.03","5.03","9.01"],"status":"ready","headline":"Presurance Holdings raises $8M via 15% Series C Preferred Stock sale to board affiliate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 1,600 shares of Series C Preferred at $5,000/share to Clarkston Companies (affiliate of director Jeffrey Hakala) for gross proceeds of $8M.","Preferred stock carries 15.0% annual dividend, matures April 2, 2027, and ranks senior to common stock.","Proceeds will be used for working capital and general corporate purposes.","Issuance was exempt from registration under Section 4(a)(2) of the Securities Act; Certificate of Designation filed with Michigan.","Company has the optional right to redeem the shares at the issue price upon 10 days' notice any time before maturity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120987,"accession_number":"0001193125-25-284817","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-11-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Presurance Holdings reports Q3 net loss of $0.32/share; personal lines combined ratio improves to 95.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss allocable to common shareholders of $3.97M ($0.32 diluted EPS) vs income of $52.8M ($4.32) year ago.","Gross written premiums slipped 2.9% to $14.6M; net earned premiums down 53.3% to $6.8M as commercial lines runoff continues.","Combined ratio improved to 141.2% from 143.1%; personal lines achieved underwriting profit with 95.2% combined ratio (vs 100.7%).","Adjusted operating loss narrowed to $2.7M ($0.22/share) from $6.9M ($0.56) loss a year ago.","Book value per common share fell to $2.07 from $4.01 one year ago, reflecting cumulative losses."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":38688000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120986,"accession_number":"0001193125-25-226738","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["5.03","7.01","9.01"],"status":"ready","headline":"Conifer Holdings rebrands to Presurance Holdings; tickers change to PRHI/PRHIZ","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Effective September 30, 2025, Conifer Holdings renamed to Presurance Holdings, Inc.","Common stock ticker changed from CNFR to PRHI on Nasdaq Capital Market.","9.75% Senior Notes due 2028 ticker changed from CNFRZ to PRHIZ; CUSIP numbers unchanged.","CEO Brian Roney said rebrand marks 'start of the Company's next chapter' and commitment to strengthening balance sheet.","No changes to operations, subsidiaries, or financial condition were made."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137588,"accession_number":"0001193125-25-182372","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-08-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer Holdings Q2 net income $2.1M ($0.17/sh) on earnout; gross premiums up 11%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income allocable to common shareholders of $2.1M ($0.17 diluted) vs $3.95M loss a year ago.","Adjusted operating loss of $2.1M ($0.17/sh), improved from $3.4M loss in Q2 2024.","Gross written premiums up 11.1% to $21.1M, led by Personal Lines growth of 46.8%.","Combined ratio improved to 121.1% from 123.6%, still above 100% indicating underwriting loss.","Book value per share rose to $2.31 from negative $0.10 at year-end 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":32009000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137587,"accession_number":"0000950170-25-095227","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-07-11T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Conifer Holdings dismisses Plante & Moran, hires Grant Thornton as auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dismissed Plante & Moran effective July 8, 2025; no disagreements on accounting principles or practices.","Material weakness identified in Q3 2024 related to disposal of agency business; management remediated in Q4 2024.","Audit reports for fiscal years 2024 and 2023 were unqualified, no adverse opinions.","Appointed Grant Thornton as new independent auditor for fiscal year ending December 31, 2025.","Plante Moran furnished letter agreeing with the Company's statements, filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154958,"accession_number":"0000950170-25-081734","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Conifer Holdings shareholders approve name change to Presurance Holdings and reverse stock split","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Name change to Presurance Holdings, Inc. approved with 9.03M common shares for, 1.57M against.","Reverse stock split (1:2 to 1:12 ratio) approved; Board to set exact ratio.","Issuance of up to 4M common shares upon exercise of 4M warrants approved via 5.09M for votes.","Joseph D. Sarafa elected as Class I director with 5.14M common votes for.","Plante & Moran ratified as auditor for FY2025; advisory say-on-pay passed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154957,"accession_number":"0000950170-25-079677","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-05-30T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Conifer Holdings receives $10M contingent payment from Conifer Insurance Services sale","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Received $10.0 million on May 30, 2025 as second contingent consideration from sale of Conifer Insurance Services.","Payment is under Interest Purchase Agreement dated August 30, 2024.","No additional details on future contingent payments or use of proceeds provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154955,"accession_number":"0000950170-25-073291","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K/A","filed_at":"2025-05-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer Q1 net income $0.04/shr, adjusted operating loss $0.30/shr, combined ratio 140.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income allocable to common shareholders $522k ($0.04/shr); adjusted operating loss $3.7M ($0.30/shr).","Gross written premiums fell 33.5% to $16.2M; shift away from Commercial Lines after agency sale.","Personal lines premiums up 22.3% to $14.1M, led by low-value dwelling in Texas.","Combined ratio worsened to 140.5% from 96.7%; loss ratio 89.7% impacted by seasonal storms.","Book value per share rose to $2.09; largely due to GAAP treatment of an earn-out payment."],"consensus_eps_estimate":null,"consensus_eps_actual":0.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":15875000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154956,"accession_number":"0000950170-25-071337","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer posts Q1 net income of $0.04/share but adjusted operating loss of $0.30; combined ratio spikes to 140.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income allocable to common shareholders $522k ($0.04/diluted share) vs $74k ($0.01) a year ago.","Adjusted operating loss of $3.7M ($0.30/share) vs operating income of $1.3M ($0.11) in Q1 2024.","Gross written premiums fell 33.5% to $16.2M due to Commercial Lines shrinkage after agency sale.","Combined ratio for Q1 2025 was 140.5% (loss ratio 89.7%, expense ratio 50.8%), up from 96.7% a year ago.","Personal lines production up 22%; book value per share $2.09."],"consensus_eps_estimate":null,"consensus_eps_actual":0.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":15875000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173467,"accession_number":"0000950170-25-047809","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer Q4 net loss $25.4M; personal lines premiums up 10.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net loss allocable to common shareholders of $25.4M ($2.08 diluted loss per share) vs $19.5M loss a year ago.","Full year 2024 net income allocable to common shareholders of $23.5M ($1.93 per share) aided by $61M gain on agency sale.","Personal lines gross written premiums rose 10.6% to $10.6M in Q4; commercial lines gross written premiums fell 79%.","Total combined ratio deteriorated to 292.9% in Q4 from 231.7% a year ago, reflecting commercial reserve strengthening.","Book value per share improved to $1.76 at Dec 31, 2024, up from $0.24 a year earlier."],"consensus_eps_estimate":null,"consensus_eps_actual":0.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":15875000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173465,"accession_number":"0000950170-25-039537","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K/A","filed_at":"2025-03-14T23:59:59+00:00","items":["1.01","3.02"],"status":"ready","headline":"Conifer Holdings amends 8-K to correct Series B Preferred shares issued: 500, not 5,000","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Corrected number of Series B Preferred shares issued on March 3, 2025 to 500 from 5,000.","No other changes to the Original 8-K filed March 4, 2025; correction only.","Issuance was made in reliance on Section 4(a)(2) and Rule 506 exemption from registration.","Shares are unregistered and may not be offered or sold in U.S. absent registration or exemption."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173466,"accession_number":"0000950170-25-032146","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["1.01","3.02","3.03","5.03","9.01"],"status":"ready","headline":"Conifer raises $7.5M via Series B Preferred and warrants to board-affiliated entity","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold 1,000 shares Series B Preferred at $5,000/share and warrants for 4M common shares at $1.50, raising $5M on Feb 27.","Sold additional 5,000 shares Series B Preferred for $2.5M on Mar 3, total $7.5M raised.","Warrants exercisable for 4M common shares at $1.50 per share, expire Jan 31, 2027.","Series B Preferred pays prime rate + 600 bps (floor 12%), ranks senior to common, matures Dec 31, 2026.","Proceeds to be used for working capital and general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190456,"accession_number":"0000950170-24-138354","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Conifer Holdings enters amended employment agreements with CEO and CFO; provides $2.235M in transaction bonuses","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Brian Roney and CFO Harold Meloche extend employment through June 30, 2027.","Roney receives $1,275,000 transaction bonus; Meloche receives $960,000, each in four equal installments starting December 2024.","Upon qualifying termination, executives receive remaining base salary through term and unpaid bonus installments.","Separate change-in-control severance benefits eliminated; new conditional benefits require signing a release.","Transaction bonuses forfeited if executive resigns without good reason, except pro-rata portion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190455,"accession_number":"0000950170-24-126395","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer posts Q3 net income of $53.3M on $61M agency sale gain; core loss deepens","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income allocable to common shareholders of $52.8M ($4.32/diluted share) vs. $(2.7M) a year ago; adjusted operating loss of $7.4M ($0.60/share).","Gross written premiums fell 60.9% to $15.1M; net earned premiums down 39.1% to $14.6M. Combined ratio worsened to 143.1% from 120.8%.","Commercial lines GWP plunged 85.9% to $4.0M; personal lines GWP rose 10.1% to $11.1M, now 73% of total premium.","Sale of insurance agency operations to Bishop Street Underwriters closed in August 2024, eliminating agency revenue going forward.","Book value per share rose to $4.01 from $0.24 a year ago, boosted by the sale gain."],"consensus_eps_estimate":null,"consensus_eps_actual":4.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":52545000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190454,"accession_number":"0001140361-24-042899","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K/A","filed_at":"2024-10-04T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Conifer Holdings completes sale of CIS for $43.4M; uses proceeds to reduce debt and redeem preferred","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Conifer completed sale of Conifer Insurance Services (CIS) on Aug 30, 2024, for ~$43.4M in cash.","Estimated net gain on sale of $40.4M; CIS will be reported as discontinued operations.","Net proceeds used to repay $9.3M Senior Secured Note (plus call premium) and redeem all preferred stock ($6M).","Pro forma balance sheet shows shareholders' equity improves from -$1.2M to $37.6M.","Continuing operations pro forma net loss of $3.3M for H1 2024, improved from -$3.6M historical."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206956,"accession_number":"0001140361-24-040472","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-09-06T23:59:59+00:00","items":["1.01","2.01","5.02","7.01","8.01","9.01"],"status":"ready","headline":"Conifer Holdings sells insurance agency for $45M plus earn-out; CEO steps down","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sold Conifer Insurance Services for $45M cash plus up to $25M earn-out; also sold Sycamore Specialty stake for $6.5M.","CEO Nicholas Petcoff resigned; President Brian Roney appointed CEO effective August 30, 2024.","Used proceeds to repay senior secured debt and redeem all Series A Preferred Stock.","Pro forma 2023 net income allocable to common of $18.0M vs historical loss of $25.9M, reflecting gain on sale.","Believes it now meets Nasdaq minimum stockholders' equity requirement of $2.5M after sale."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206955,"accession_number":"0000950170-24-099820","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-08-22T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"Conifer Holdings receives Nasdaq delisting notice for equity below $2.5M","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Stockholders' equity fell below $2.5M as reported in Q2 2024 Form 10-Q.","Company has 45 days (by Sept 30, 2024) to submit a plan to regain compliance.","No immediate impact on CNFR common stock trading on Nasdaq.","If Nasdaq accepts plan, the Company may get up to 180-day extension to cure.","Company intends to timely submit a compliance plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206954,"accession_number":"0000950170-24-096874","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-08-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Conifer Holdings presents strategic plan and Q2 2024 update on investor call August 14, 2024","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Held investor conference call and webcast on August 14, 2024 to discuss Q2 2024 results and strategic plan.","Presentation available on company website www.CNFRH.com under Investors tab.","No specific financial figures or updates are disclosed in the filing excerpt."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206953,"accession_number":"0000950170-24-096867","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-08-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer Q2 net loss of $0.32/diluted share; revenue falls 57.5% amid MGA shift","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss allocable to common shareholders of $4.0M, or $0.32 per diluted share.","Gross written premiums fell 57.5% to $19.0M as company shifts to commission-based MGA model.","Combined ratio worsened to 123.6% from 120.9%, driven by 91.5% loss ratio and 32.1% expense ratio.","Personal lines gross written premium grew 23.0% to $12.2M; commercial lines dropped 80.5% to $6.8M.","Book value per common share turned negative at ($0.10) vs $1.38 a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":49926000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224245,"accession_number":"0000950170-24-065888","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-05-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Conifer Holdings shareholders elect Smith and Hakala to board, ratify Plante & Moran as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["J. Grant Smith and Jeffrey Hakala elected to three-year terms ending 2027; Smith received 5,469,083 for, 330,796 withheld; Hakala received 5,500,636 for, 299,243 withheld.","Ratification of Plante & Moran as independent auditor for 2024 passed with 7,105,818 for, 651,493 against, 5,001 abstain.","Quorum of 63.5% (7,762,312 shares) represented out of 12,222,881 shares outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224244,"accession_number":"0000950170-24-060905","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Conifer Holdings presents strategic plan and Q1 2024 results on May 15 investor call","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company provided additional background and strategic plan on its Q1 2024 conference call/webcast.","Investor presentation attached as Exhibit 99.1 is available on the company's website under the Investors tab.","Presentation covers Conifer's role in specialty insurance markets as a long-term partner.","Filing includes Items 7.01 (Regulation FD Disclosure) and 9.01 (Financial Statements and Exhibits)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224243,"accession_number":"0000950170-24-060861","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer Holdings Q1 net income $74k ($0.01 EPS); combined ratio improves to 96.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income allocable to common shareholders $74k ($0.01 diluted EPS), down from $1.0M ($0.08) YoY.","Combined ratio improved 2.8 ppts to 96.7%; expense ratio fell to 34.7% from 37.3%.","Gross written premiums down 32.9% to $24.3M, reflecting planned shift to agency-based revenue model.","Personal lines GWP up 59.6% to $11.6M with combined ratio of 83.0% vs 106.1% prior.","Company targets redirecting all commercial GWP through MGA CIS by Q2 2024, using A- or better carriers."],"consensus_eps_estimate":-0.0204,"consensus_eps_actual":0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":23078000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224242,"accession_number":"0000950170-24-042756","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-04-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Conifer Holdings presents strategic plan and Q4 2023 results on investor call","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Investor presentation provided on April 5, 2024 conference call; available on company website.","Presentation covers background on Conifer and its long-term strategic plan as a specialty insurer.","No material financial or operational updates disclosed in the 8-K or exhibit summary.","Filing reports only Regulation FD disclosure; no new earnings guidance or event announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224241,"accession_number":"0000950170-24-042742","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-04-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Conifer reports Q4 2023 net loss of $19.5M; announces strategic shift to MGA model","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year 2023 net loss of $25.9M ($2.12 diluted EPS) vs loss of $10.7M in 2022; Q4 net loss $19.5M ($1.59).","Gross written premium up 4.2% to $143.8M; net investment income up 81.6% to $5.5M; expense ratio improved 130bps to 37.1%.","Combined ratio worsened to 134.9% (FY) and 231.7% (Q4) driven by 100% adverse prior year development in Q4.","Book value per share dropped from $1.55 to $0.24; commercial lines GWP down 48% in Q4; personal lines GWP up 59.7%.","Strategic shift: 100% of future commercial GWP via MGA with third-party A-rated insurers starting Q2 2024."],"consensus_eps_estimate":-0.0204,"consensus_eps_actual":0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":23078000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243585,"accession_number":"0000950170-24-035407","cik":1502292,"company_name":"Presurance Holdings, Inc.","ticker":"PRHI","form_type":"8-K","filed_at":"2024-03-22T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"Conifer Holdings transfers common stock listing from Nasdaq Global to Capital Market, curing MVPHS deficiency","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Received Nasdaq approval on March 19, 2024; transfer effective March 21, 2024.","Common stock continues trading under symbol CNFR on Nasdaq Capital Market.","Previously disclosed MVPHS deficiency of min $5M publicly held shares cured by the transfer.","The 9.75% Senior Notes due 2028 remain listed on Nasdaq Global Market."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":18348149.538705036,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}