(CNFR) Conifer Holding - Ratings and Ratios

Conifer Holdings, Inc. operates as a specialty insurance holding company, focusing on niche property and casualty insurance markets. The company provides tailored insurance solutions for underserved segments, including small businesses and specialty personal lines. Its product portfolio includes commercial insurance for owner-operated businesses in sectors like hospitality, artisan contractors, and security services, as well as personal lines such as low-value dwelling insurance. The company also offers wholesale agency services, distributing commercial and personal lines products to its subsidiaries and third-party insurers. Conifer Holdings leverages a network of independent agents across all 50 U.S. states to market and distribute its insurance products. Founded in 2009, the company is headquartered in Troy, Michigan, and has established itself as a niche player in the specialty insurance market.

From a financial perspective, Conifer Holdings has a market capitalization of $12.10 million, reflecting its position as a smaller player in the insurance industry. The company reported a return on equity (RoE) of 61.71%, indicating strong profitability relative to shareholder equity. However, the forward P/E ratio of 72.99 suggests high expectations for future earnings growth. The price-to-book (P/B) ratio of 0.25 indicates that the stock is trading at a significant discount to its book value, which may attract value investors. The companys trailing 20-day average volume of 3,730 shares highlights its relatively low liquidity, which can lead to higher volatility in its stock price.