Conifer Holdings (NASDAQ: CNFR) reported Q4 EPS of $0.02, $0.04 better than the analyst estimate of ($0.02).

• Commercial lines net earned premiums increased by 10.1% in the fourth quarter
• Partially offsetting the Commercial lines growth was a 19.7% decline in Personal lines net earned premiums for the same period
• Overall, net earned premiums increased 4.0% to $25.4 million
• Loss ratio improved to 58.3% from 73.4%; Expense ratio improved to 41.4% from 45.3%
• Combined ratio was 99.7% for the period, compared to 118.7% in the prior year period
• Net income of $221,000, or $0.03 per diluted share based on 8.5 million weighted average common diluted shares outstanding

For earnings history and earnings-related data on Conifer Holdings (CNFR) click here.