BOW Financial Services

Bowhead Specialty Holdings Inc.

$34.16+0.62%

Price as of close on Nov 3, 2026 · Financials updated Oct 6, 2026

Basics

Sector: Financial Services
Industry: Insurance - Property & Casualty
Country: United States
Market cap: 1.1B USD
Full-time employees: 296

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of peers.
Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of its peers.

StockQuotient Score

52/ 100

Oct 5 52 → Nov 4 52

Valuation

Is the price right?

18/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield42.0%

SEC filings · latest balance sheetReported value40% base weight · Z-score -1.32Sector median: 0.7950 · MAD: 0.2843

Earnings yield5.5%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.94Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield8.2%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield29.2%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

63/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 5.2%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth25.1%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.51Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth43.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth25.0%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

75/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets2.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.83Sector median: 0.0117 · MAD: 0.0062

Return on equity13.2%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.62Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Bowhead Specialty

Is Bowhead Specialty getting weaker?: Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is unchanged at 52/100 since Oct 28, 2026.
How is Bowhead Specialty valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 18/100 against 950 banks & insurance peers. Book yield 42.0% vs a peer median of 79.5% (weaker than 84% of peers).Book yield 42.0% vs peers 79.5% (weaker than 84% of peers).
Is Bowhead Specialty growing?: Yes, faster than most of its peers. Growth scores 63/100 against 950 banks & insurance peers. Earnings per share growth 25.1% vs a peer median of 16.0% (stronger than 63% of peers).Earnings per share growth 25.1% vs peers 16.0% (stronger than 63% of peers).
How profitable is Bowhead Specialty?: More profitable than most of its peers. Profitability scores 75/100 against 950 banks & insurance peers. Return on assets 2.3% vs a peer median of 1.2% (stronger than 80% of peers).Return on assets 2.3% vs peers 1.2% (stronger than 80% of peers).
How risky is Bowhead Specialty?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 3, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	584.6M USD	615.2M USD	+5.2%
Net income (12 months)	58.4M USD	62.2M USD	+6.5%
Free cash flow (12 months)	343.7M USD	328.8M USD	−4.3%
Debt	146.5M USD	146.6M USD	+0.0%
Cash	97.2M USD	141.7M USD	+45.9%
Shares outstanding	32.8M	32.9M	+0.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Insurance - Property & Casualty · 31 companies

Valuations in Insurance - Property & Casualty are within their usual range since 2016.

48% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +14% and earnings +58% (medians): earnings grew faster than prices.
Median price-to-book is −38% vs the whole market, against a usual −47%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	6.0%	8.8%	9.0%	9.8%	▲ 0.8 pts
Return on assets (ROA)	—	2.4%	2.3%	2.3%	▼ 0.0 pts
Return on equity (ROE)	—	13.0%	10.3%	12.0%	▲ 1.7 pts
Debt to equity	—	—	0.00×	0.33×	—

BOW price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Bowhead Specialty

Is Bowhead Specialty getting weaker?

Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is unchanged at 52/100 since Oct 28, 2026.

How is Bowhead Specialty valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 18/100 against 950 banks & insurance peers. Book yield 42.0% vs a peer median of 79.5% (weaker than 84% of peers).Book yield 42.0% vs peers 79.5% (weaker than 84% of peers).

Is Bowhead Specialty growing?

Yes, faster than most of its peers. Growth scores 63/100 against 950 banks & insurance peers. Earnings per share growth 25.1% vs a peer median of 16.0% (stronger than 63% of peers).Earnings per share growth 25.1% vs peers 16.0% (stronger than 63% of peers).

How profitable is Bowhead Specialty?

More profitable than most of its peers. Profitability scores 75/100 against 950 banks & insurance peers. Return on assets 2.3% vs a peer median of 1.2% (stronger than 80% of peers).Return on assets 2.3% vs peers 1.2% (stronger than 80% of peers).

How risky is Bowhead Specialty?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

584.6M USD

615.2M USD

+5.2%

Net income (12 months)

58.4M USD

62.2M USD

+6.5%

Free cash flow (12 months)

343.7M USD

328.8M USD

−4.3%

Debt

146.5M USD

146.6M USD

+0.0%

Cash

97.2M USD

141.7M USD

+45.9%

Shares outstanding

32.8M

32.9M

+0.3%

Key ratios

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

6.0%

8.8%

9.0%

9.8%

▲ 0.8 pts

Return on assets (ROA)

—

2.4%

2.3%

▼ 0.0 pts

Return on equity (ROE)

—

13.0%

10.3%

12.0%

▲ 1.7 pts

Debt to equity

—

0.00×

0.33×

—