NODK NASDAQ Week ended 24 Jul 2026

Weekly Investor Report

NI Holdings Inc · Financial Services · Insurance - Property & Casualty

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Latest close 15.85 USD
-0.4% latest week
Weekly setup

Mixed setup

The weekly trend is active. Price is 13.8% above the Trend Line and sits at 81.0% of its 52-week range. The latest completed week returned -0.4%, after a -2.9% four-week move. The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive. The latest news-sentiment score is 53/100. Near-term considerations: earnings are due in 8d.

Setup score 54 out of 100
Latest Close 15.85 USD 24 Jul 2026
1W Return -0.4% latest completed week
4W Return -2.9% short-term follow-through
12W Return 22.9% quarterly tape
Trend Breadth 50.0% 26 of 52 weeks active
Volume Ratio 1.0x vs 13-week average
What is working
  • The trend backdrop is active with a 7-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • Next-week expectancy is negative at 41.61% based on similar historical setup states.
  • 2 reversal markers appear in the recent smart-money tape.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through -0.4% Latest completed week; four-week move -2.9%. Indicator stack 52/69 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Negative 41.61% Historical one-week expectancy contributes to the evidence score when direction is confirmed. News sentiment 53/100 23 relevant articles in the latest sentiment read. Event risk 8d Next report is scheduled for 07 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 13.8% above the Trend Line and sits at 81.0% of its 52-week range. The latest completed week returned -0.4%, after a -2.9% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.0x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
30 Jan 6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.8212-week average 0.36

12-week confirmation

Trend active7/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure10/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership4/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.82Current proprietary activity-pressure read.
Buy signals1Accumulation signal count in the latest 12 weeks.
Reversal markers22 reversal markers

No recent accumulation markers. 2 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -2.9% over four weeks, 22.9% over 12 weeks, and 20.0% over one year. The current trend has remained active for 7 consecutive weeks.

Performance by holding period

1W-0.4%
4W-2.9%
12W22.9%
26W19.6%
52W20.0%
Active trend streak7 weeks
Active weeks in one year26
Trend breadth50.0%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.17Latest activity-pressure read.
Pressure change-25.5%Four-week change in activity pressure.
Leadership6.27Latest relative-leadership reading.
RS change10.7%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks weakly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 82% Model confidence 78%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength59/100Blend of value, momentum, and quality. Underlying universe rank 42; rank 1 is best.
Value69/100Relative valuation strength. Underlying universe rank 32; rank 1 is best.
Quality4/100Profitability and accounting quality. Underlying universe rank 97; rank 1 is best.
Momentum71/100Medium-term price momentum. Underlying universe rank 30; rank 1 is best.
Growth16/100Revenue and earnings growth. Underlying universe rank 85; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
-
Price divided by trailing earnings.
Price / sales
1.2x
Market value relative to trailing revenue.
EV / EBITDA
-
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
-9.9%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
16.2%
Gross profit retained from each unit of revenue.
Operating margin
-1.6%
Operating profit retained from revenue.
Free-cash-flow margin
-9.7%
Free cash flow generated from revenue.
Return on invested capital
-1.7%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
-15.2%
Latest one-year revenue growth.
EPS growth
-
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-180.0%
Latest one-year free-cash-flow growth.
Piotroski F-score
3/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
0.7%
Net share repurchases relative to market value.
Shareholder yield
0.7%
Dividend yield plus net buyback yield.
Net debt / EBITDA
16.0x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Insider activity7 / 0

7 acquisitions and 0 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment53/100

Weighted news tone is neutral across 23 relevant articles.

6 positive · 14 neutral · 3 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings8dNext report is scheduled for 07 Aug 2026; event risk rises as the date approaches.
Options expected move-Nearest-chain priced movement where available.
52-week drawdown-5.1%Distance below the 52-week high.
13-week volatility3.1%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher15 of 2611 weeks finished lower.
Best week+7.7%Week of 15 May.
Worst week-5.0%Week of 27 Mar.
Latest week-0.4%Week of 24 Jul.

Shape of recent returns

Strong gains3
Modest gains12
Flat weeks0
Modest losses10
Sharp losses1
Recent vol3.1%13-week weekly-return volatility.
Base vol2.7%52-week weekly-return volatility.
Up/down split27/23Count of positive and negative weeks in the 52-week window.
Average skew2.4% / -2.0%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape53/100

Trend, activity pressure, participation, and risk combine to a 53/100 tape read.

 Indicator analysis58/100

Latest 12-week confirmation: trend 7/12, activity pressure 10/12, relative leadership 4/12.

Activity pressure 0.82; 2 reversal markers Next-Week ExpectancyNegative 41.61%

Next-week expectancy is negative with a 41.61% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors49/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 33; Small Cap Core rank 37 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Sentiment53/100

Weighted news tone is neutral across 23 relevant articles.

NI Holdings Inc (NODK) Revenue Breakdown: Business Segments, Regional Revenue & Profit Contribution Insiders7 / 0

7 acquisitions and 0 disposals in the latest 180-day insider tape.

 Earnings8d

Next report is scheduled for 07 Aug 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
24 Jul 202615.85 USD-0.4%13.93 USD14.01 USD1.176.27114.0KOn
17 Jul 202615.91 USD1.0%13.85 USD14.00 USD1.334.9567.8KOn
10 Jul 202615.75 USD-2.1%13.79 USD13.99 USD1.49-0.4977.3KOn
3 Jul 202616.09 USD-1.5%13.73 USD13.97 USD1.533.32113.7KOn
26 Jun 202616.33 USD2.6%13.63 USD13.96 USD1.575.66291.2KOn
19 Jun 202615.91 USD2.2%13.54 USD13.95 USD1.40-1.79190.8KOn
12 Jun 202615.56 USD4.6%13.47 USD13.94 USD1.30-1.5860.9KOn
5 Jun 202614.87 USD6.4%13.40 USD13.93 USD1.25-3.91135.7KOff
29 May 202613.98 USD0.4%13.35 USD13.93 USD0.59-13.9959.9KOff
22 May 202613.93 USD0.9%13.32 USD13.93 USD0.13-12.3497.2KOff
15 May 202613.80 USD7.7%13.31 USD13.93 USD-0.28-12.53127.8KOff
8 May 202612.81 USD-0.7%13.30 USD13.92 USD-0.77-19.4269.7KOff
1 May 202612.90 USD-2.6%13.31 USD13.93 USD-0.77-14.9647.7KOff
24 Apr 202613.24 USD1.7%13.32 USD13.93 USD-0.90-11.9243.4KOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.