The takeaway
Palomar Holdings Inc shows a pronounced seasonal pattern over 7 years of data — strongest in May (+15.7%) and softest in September (−2.3%).
Right now
In July, the stock has risen 71% of years, averaging +4.3%, about +2.1 pts better than the S&P 500.
The full picture
Palomar Holdings Inc's most dependable month has been May, higher in 7 of 7 years; September has been its least reliable, up just 29% of the time.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
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| 2019 | — | — | — |
Month by month
The stock's clearest edge over the S&P 500 lands in May (+15.0 pts); it has trailed the market most in April (−3.7 pts).
“vs S&P” is Palomar Holdings Inc’s average for a month minus the S&P 500’s average for that same month — isolating Palomar Holdings Inc’s own seasonal edge from broad market drift.
Reality check
Over the last 5 years, May has closed higher 100% of the time versus 100% across the last 7 years — the pattern is weakening.
Figures are the typical (median) May return and how often it rose — the last 5 years versus the last 7(the heatmap’s default window). This verdict stays anchored to that 7-year window even if you zoom the chart, so it never disagrees with the badges above.
In plain English
Strip the year back and a single month does the heavy lifting: May, up in all 7 Mays while the other eleven tend to blur together.
Its average (+15.7%) and median (+12.7%) land within a hair of each other — the tell of steady, year-after-year gains rather than one outlier doing the work. That reliability comes with real swings, mind — even May ranges by 10.1% from year to year, so any single year can land far from the average. Crucially, the gain is the stock's own rather than a rising tide's: May has cleared the S&P 500 by +15.0 points above the index. That consistency sets it apart from the field, where the average stock manages May only about 55% of the time.
The strength clusters rather than stands alone — May–August forms a firm stretch that carries much of the year. The weaker half of the year is plainer: September has been the soft spot — the weakest of 4 months that average a loss (−2.3%), and the edge isn't year-round — the stock has trailed the S&P 500 in April, November, and December. Its roughest month on record was a −29.8% November in 2022 — a reminder of how hard even a seasonal name can fall.
May has now closed higher 7 years running. The pattern has softened of late, May's last five years slipping below its longer-run record.
The takeaway is less about when to buy than what to expect: May aside, the stock's months offer little reliable tilt. With a short 7-year record and returns that swing hard year to year, the signal is best held loosely.
Short answers on the stock's best month (May), its worst (September), and whether it really trades seasonally.
Yes, to a pronounced degree. Since 2019 its best month (May, +15.7%) has run well ahead of its worst (September, −2.3%) — the heatmap above shows how steady that gap has been year to year.
May has been the strongest, averaging +15.7% and closing higher in all 7 years on record since 2019.
It's the weakest, averaging −2.3% — historically a soft spot, though it still varies from year to year.
Explore
These names have the strongest July track records on record — a starting point for comparison.
Before you trade