Conifer Holdings, Inc. (CNFR)
NASDAQ: CNFR · Real-Time Price · USD
1.760
+0.628 (55.48%)
At close: Sep 16, 2025, 4:00 PM EDT
1.800
+0.040 (2.27%)
After-hours: Sep 16, 2025, 7:59 PM EDT

Conifer Holdings Statistics

Total Valuation

CNFR has a market cap or net worth of $21.51 million. The enterprise value is $17.50 million.

Market Cap21.51M
Enterprise Value 17.50M

Important Dates

The next estimated earnings date is Wednesday, November 12, 2025, after market close.

Earnings Date Nov 12, 2025
Ex-Dividend Date n/a

Share Statistics

CNFR has 12.22 million shares outstanding.

Current Share Class 12.22M
Shares Outstanding 12.22M
Shares Change (YoY) n/a
Shares Change (QoQ) n/a
Owned by Insiders (%) 41.82%
Owned by Institutions (%) 3.31%
Float 3.38M

Valuation Ratios

The trailing PE ratio is 0.72.

PE Ratio 0.72
Forward PE n/a
PS Ratio 0.41
Forward PS 0.54
PB Ratio 0.76
P/TBV Ratio 0.76
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 0.58
EV / Sales 0.33
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 0.74, with a Debt / Equity ratio of 0.64.

Current Ratio 0.74
Quick Ratio 0.28
Debt / Equity 0.64
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage -8.02

Financial Efficiency

Return on equity (ROE) is -218.23% and return on invested capital (ROIC) is -65.20%.

Return on Equity (ROE) -218.23%
Return on Assets (ROA) -7.90%
Return on Invested Capital (ROIC) -65.20%
Return on Capital Employed (ROCE) -78.91%
Revenue Per Employee $5.85M
Profits Per Employee $3.33M
Employee Count9
Asset Turnover 0.18
Inventory Turnover n/a

Taxes

Income Tax -1.36M
Effective Tax Rate n/a

Stock Price Statistics

The stock price has increased by +74.95% in the last 52 weeks. The beta is 0.65, so CNFR's price volatility has been lower than the market average.

Beta (5Y) 0.65
52-Week Price Change +74.95%
50-Day Moving Average 0.86
200-Day Moving Average 0.87
Relative Strength Index (RSI) 82.58
Average Volume (20 Days) 2,443,749

Short Selling Information

The latest short interest is 33,341, so 0.27% of the outstanding shares have been sold short.

Short Interest 33,341
Short Previous Month 16,743
Short % of Shares Out 0.27%
Short % of Float 0.99%
Short Ratio (days to cover) 3.64

Income Statement

In the last 12 months, CNFR had revenue of $52.65 million and earned $29.98 million in profits. Earnings per share was $2.45.

Revenue52.65M
Gross Profit -22.43M
Operating Income -36.42M
Pretax Income -26.67M
Net Income 29.98M
EBITDA -34.94M
EBIT -36.42M
Earnings Per Share (EPS) $2.45
Full Income Statement

Balance Sheet

The company has $58.34 million in cash and $17.95 million in debt, giving a net cash position of $4.01 million or $0.33 per share.

Cash & Cash Equivalents 58.34M
Total Debt 17.95M
Net Cash 4.01M
Net Cash Per Share $0.33
Equity (Book Value) 28.21M
Book Value Per Share 2.31
Working Capital -60.58M
Full Balance Sheet

Cash Flow

Operating Cash Flow -48.74M
Capital Expenditures n/a
Free Cash Flow -48.74M
FCF Per Share -$3.99
Full Cash Flow Statement

Margins

Gross margin is -42.60%, with operating and profit margins of -69.17% and 57.89%.

Gross Margin -42.60%
Operating Margin -69.17%
Pretax Margin -58.62%
Profit Margin 57.89%
EBITDA Margin -66.36%
EBIT Margin -69.17%
FCF Margin n/a

Dividends & Yields

CNFR does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield n/a
Shareholder Yield n/a
Earnings Yield 139.36%
FCF Yield -226.58%

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 3