HRTG

Heritage Insurance is expected to report a 36.2% year-over-year decline in quarterly earnings despite a 2.3% revenue increase. With a negative Earnings ESP of -3.38% and a Zacks Rank #3, the stock is not considered a compelling earnings-beat candidate. The company has a mixed recent history, beating estimates in 3 of the last 4 quarters but most recently delivering a significant 107% surprise.

First American Financial reported Q3 2026 earnings of $1.78 per share, missing the consensus estimate of $1.85 per share, and revenues of $2.08 billion, missing estimates by 1.06%. The company received a Zacks Rank #3 (Hold) rating, with mixed estimate revisions. FAF has underperformed the S&P 500 year-to-date, gaining 7.9% versus the market's 12.7%.

Skyward Specialty Insurance Group (SKWD) is expanding its autonomous vehicle (AV) insurance offerings through ibott, acquired as part of Apollo in January 2026. The move leverages ibott's specialized AV underwriting expertise combined with Skyward's distribution and market access. Q2 2026 results showed managed premiums up 17.5% to $1.1 billion and fee-generating GWP up 28.8%, positioning the company to capture emerging opportunities in the evolving AV insurance market.

AMERISAFE (AMSF) has posted nine consecutive quarters of premium growth with voluntary premiums up 5.7% and renewal retention above 93%, supported by disciplined underwriting in high-hazard industries. However, the stock has underperformed significantly, declining 30.6% in three months.

Key headwinds include rising claims costs, declining workers' compensation rates, and reduced reserve development, which could pressure underwriting results. The company maintains strong financial flexibility with $771 million in investments and returned capital through dividends and share buybacks.