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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
BJs RESTAURANTS INC is the larger business by last-quarter revenue ($355.4M vs $253.4M, roughly 1.4× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 3.2%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 2.6%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
BJRI vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $253.4M |
| Net Profit | $12.6M | — |
| Gross Margin | 74.5% | — |
| Operating Margin | 3.1% | 28.7% |
| Net Margin | 3.6% | — |
| Revenue YoY | 3.2% | 62.7% |
| Net Profit YoY | -24.2% | — |
| EPS (diluted) | $0.58 | $2.05 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $355.4M | $253.4M | ||
| Q3 25 | $365.6M | $244.7M | ||
| Q2 25 | $348.0M | $203.3M | ||
| Q1 25 | — | $174.6M | ||
| Q4 24 | $325.7M | $155.8M | ||
| Q3 24 | $349.9M | $148.5M | ||
| Q2 24 | $337.3M | $131.1M | ||
| Q1 24 | — | $118.5M |
| Q4 25 | $12.6M | — | ||
| Q3 25 | $22.2M | $51.5M | ||
| Q2 25 | $13.5M | $46.5M | ||
| Q1 25 | — | $42.9M | ||
| Q4 24 | $-2.9M | — | ||
| Q3 24 | $17.2M | $30.5M | ||
| Q2 24 | $7.7M | $25.7M | ||
| Q1 24 | — | $26.4M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.8% | — | ||
| Q1 24 | — | — |
| Q4 25 | 3.1% | 28.7% | ||
| Q3 25 | 5.8% | 27.4% | ||
| Q2 25 | 4.3% | 29.5% | ||
| Q1 25 | — | 30.8% | ||
| Q4 24 | -0.8% | 28.9% | ||
| Q3 24 | 3.8% | 25.9% | ||
| Q2 24 | 2.4% | 25.5% | ||
| Q1 24 | — | 29.0% |
| Q4 25 | 3.6% | — | ||
| Q3 25 | 6.1% | 21.0% | ||
| Q2 25 | 3.9% | 22.9% | ||
| Q1 25 | — | 24.6% | ||
| Q4 24 | -0.9% | — | ||
| Q3 24 | 4.9% | 20.5% | ||
| Q2 24 | 2.3% | 19.6% | ||
| Q1 24 | — | 22.3% |
| Q4 25 | $0.58 | $2.05 | ||
| Q3 25 | $0.97 | $1.87 | ||
| Q2 25 | $0.58 | $1.68 | ||
| Q1 25 | — | $1.57 | ||
| Q4 24 | $-0.13 | $1.29 | ||
| Q3 24 | $0.72 | $1.15 | ||
| Q2 24 | $0.32 | $1.00 | ||
| Q1 24 | — | $1.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.8M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $942.7M |
| Total Assets | $1.0B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $106.9M | ||
| Q3 25 | $26.0M | $111.7M | ||
| Q2 25 | $19.0M | $81.3M | ||
| Q1 25 | — | $119.3M | ||
| Q4 24 | $18.4M | $80.4M | ||
| Q3 24 | $16.2M | $86.5M | ||
| Q2 24 | $18.8M | $47.8M | ||
| Q1 24 | — | $61.4M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $942.7M | ||
| Q3 25 | $386.6M | $878.1M | ||
| Q2 25 | $371.5M | $847.2M | ||
| Q1 25 | — | $790.4M | ||
| Q4 24 | $376.2M | $729.0M | ||
| Q3 24 | $386.5M | $703.3M | ||
| Q2 24 | $375.4M | $532.6M | ||
| Q1 24 | — | $501.7M |
| Q4 25 | $1.0B | $3.1B | ||
| Q3 25 | $1.0B | $2.9B | ||
| Q2 25 | $1.0B | $2.8B | ||
| Q1 25 | — | $2.4B | ||
| Q4 24 | $1.0B | $2.3B | ||
| Q3 24 | $1.0B | $2.3B | ||
| Q2 24 | $1.0B | $2.0B | ||
| Q1 24 | — | $1.9B |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $409.1M |
| Free Cash FlowOCF − Capex | — | $409.0M |
| FCF MarginFCF / Revenue | — | 161.4% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $409.1M | ||
| Q3 25 | $62.3M | $83.6M | ||
| Q2 25 | $4.6M | $120.9M | ||
| Q1 25 | — | $87.2M | ||
| Q4 24 | $27.3M | $261.2M | ||
| Q3 24 | $20.2M | $100.3M | ||
| Q2 24 | $22.3M | $55.1M | ||
| Q1 24 | — | $33.1M |
| Q4 25 | — | $409.0M | ||
| Q3 25 | $41.9M | $83.6M | ||
| Q2 25 | $-12.1M | $120.8M | ||
| Q1 25 | — | $87.1M | ||
| Q4 24 | $7.6M | $260.9M | ||
| Q3 24 | $735.0K | $100.1M | ||
| Q2 24 | $448.0K | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 161.4% | ||
| Q3 25 | 11.5% | 34.2% | ||
| Q2 25 | -3.5% | 59.4% | ||
| Q1 25 | — | 49.9% | ||
| Q4 24 | 2.3% | 167.5% | ||
| Q3 24 | 0.2% | 67.4% | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 5.6% | 0.0% | ||
| Q2 25 | 4.8% | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | 6.0% | 0.2% | ||
| Q3 24 | 5.6% | 0.1% | ||
| Q2 24 | 6.5% | 0.0% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | 2.80× | 1.63× | ||
| Q2 25 | 0.34× | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.18× | 3.29× | ||
| Q2 24 | 2.89× | 2.14× | ||
| Q1 24 | — | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
