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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
Utz Brands, Inc. is the larger business by last-quarter revenue ($341.0M vs $253.4M, roughly 1.3× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -3.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $16.5M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -1.5%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
PLMR vs UTZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $341.0M |
| Net Profit | — | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | 28.7% | 2.1% |
| Net Margin | — | 0.7% |
| Revenue YoY | 62.7% | -3.1% |
| Net Profit YoY | — | 108.3% |
| EPS (diluted) | $2.05 | $0.04 |
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 | $253.4M | — | ||
| Q3 25 | $244.7M | — | ||
| Q2 25 | $203.3M | — | ||
| Q1 25 | $174.6M | — | ||
| Q4 24 | $155.8M | $341.0M | ||
| Q3 24 | $148.5M | $365.5M | ||
| Q2 24 | $131.1M | $356.2M | ||
| Q1 24 | $118.5M | $346.5M |
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | — | ||
| Q2 25 | $46.5M | — | ||
| Q1 25 | $42.9M | — | ||
| Q4 24 | — | $2.3M | ||
| Q3 24 | $30.5M | $-2.2M | ||
| Q2 24 | $25.7M | $19.8M | ||
| Q1 24 | $26.4M | $-4.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
| Q4 25 | 28.7% | — | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 29.5% | — | ||
| Q1 25 | 30.8% | — | ||
| Q4 24 | 28.9% | 2.1% | ||
| Q3 24 | 25.9% | 5.3% | ||
| Q2 24 | 25.5% | 6.3% | ||
| Q1 24 | 29.0% | 2.8% |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | — | ||
| Q2 25 | 22.9% | — | ||
| Q1 25 | 24.6% | — | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | 20.5% | -0.6% | ||
| Q2 24 | 19.6% | 5.6% | ||
| Q1 24 | 22.3% | -1.2% |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | — | ||
| Q2 25 | $1.68 | — | ||
| Q1 25 | $1.57 | — | ||
| Q4 24 | $1.29 | $0.04 | ||
| Q3 24 | $1.15 | $-0.03 | ||
| Q2 24 | $1.00 | $0.23 | ||
| Q1 24 | $1.04 | $-0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $106.9M | $56.1M |
| Total DebtLower is stronger | — | $768.6M |
| Stockholders' EquityBook value | $942.7M | $696.9M |
| Total Assets | $3.1B | $2.7B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | — | ||
| Q3 25 | $111.7M | — | ||
| Q2 25 | $81.3M | — | ||
| Q1 25 | $119.3M | — | ||
| Q4 24 | $80.4M | $56.1M | ||
| Q3 24 | $86.5M | $64.9M | ||
| Q2 24 | $47.8M | $66.6M | ||
| Q1 24 | $61.4M | $47.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M |
| Q4 25 | $942.7M | — | ||
| Q3 25 | $878.1M | — | ||
| Q2 25 | $847.2M | — | ||
| Q1 25 | $790.4M | — | ||
| Q4 24 | $729.0M | $696.9M | ||
| Q3 24 | $703.3M | $685.7M | ||
| Q2 24 | $532.6M | $686.0M | ||
| Q1 24 | $501.7M | $671.1M |
| Q4 25 | $3.1B | — | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.4B | — | ||
| Q4 24 | $2.3B | $2.7B | ||
| Q3 24 | $2.3B | $2.6B | ||
| Q2 24 | $2.0B | $2.7B | ||
| Q1 24 | $1.9B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
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 | $54.2M |
| Free Cash FlowOCF − Capex | $409.0M | $16.5M |
| FCF MarginFCF / Revenue | 161.4% | 4.8% |
| Capex IntensityCapex / Revenue | 0.1% | 11.1% |
| Cash ConversionOCF / Net Profit | — | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | — | ||
| Q2 25 | $120.9M | — | ||
| Q1 25 | $87.2M | — | ||
| Q4 24 | $261.2M | $54.2M | ||
| Q3 24 | $100.3M | $52.2M | ||
| Q2 24 | $55.1M | $8.9M | ||
| Q1 24 | $33.1M | $-9.1M |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | — | ||
| Q2 25 | $120.8M | — | ||
| Q1 25 | $87.1M | — | ||
| Q4 24 | $260.9M | $16.5M | ||
| Q3 24 | $100.1M | $29.1M | ||
| Q2 24 | — | $-15.3M | ||
| Q1 24 | — | $-22.7M |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | — | ||
| Q2 25 | 59.4% | — | ||
| Q1 25 | 49.9% | — | ||
| Q4 24 | 167.5% | 4.8% | ||
| Q3 24 | 67.4% | 8.0% | ||
| Q2 24 | — | -4.3% | ||
| Q1 24 | — | -6.5% |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.2% | 11.1% | ||
| Q3 24 | 0.1% | 6.3% | ||
| Q2 24 | 0.0% | 6.8% | ||
| Q1 24 | 0.0% | 3.9% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | — | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | 23.67× | ||
| Q3 24 | 3.29× | — | ||
| Q2 24 | 2.14× | 0.45× | ||
| Q1 24 | 1.26× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
