{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-014532","form_type":"8-K","ticker":"PLMR","cik":"0001761312","company_name":"Palomar Holdings, Inc.","filed_at":"2025-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.622066+00:00","generated_at":"2026-05-22T17:56:20.931697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"confidence":"high","headline":"Palomar Q1 net income $42.9M, adj. EPS $1.87; raises FY adjusted net income outlook to $186-200M","bullets":["Net income $42.9M ($1.57 diluted EPS), adjusted net income $51.3M ($1.87), up from $26.4M ($1.04) YoY.","Gross written premiums +20.1% to $442.2M; combined ratio improved to 73.1% from 76.9%.","Adjusted combined ratio improved to 68.5% from 73.0%; catastrophe loss ratio -0.3%.","FY2025 adjusted net income guidance raised to $186-200M from prior $180-192M.","Acquired Advanced AgProtection to enhance Crop franchise; same-store premium growth 37%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-014532","json":"https://secwatch.observer/filing/0001437749-25-014532.json","markdown":"https://secwatch.observer/filing/0001437749-25-014532.md","text":"https://secwatch.observer/filing/0001437749-25-014532.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1761312/000143774925014532/0001437749-25-014532-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1761312/000143774925014532/plmr20250107_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T17:56:20.931697+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}