BRO BROWN & BROWN, INC.

BULLISH Impact: 1/10 ANALYST-UPGRADE
Processed 1d 1h ago SEC analyst-BRO-citizens-20260521
Citizens initiates coverage on BRO at Market Outperform

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Executive Summary

Citizens initiated coverage on Brown & Brown, Inc. (BRO) at Market Outperform with a $70 price target, implying 25.7% upside from the current $55.69. The call adds a bullish voice to a consensus that is heavily tilted toward Hold — 19 of 25 analysts rate it Hold, 6 are Buy/Strong Buy, and none are Sell. The mean target of $73.80 offers 32.5% upside, with a high of $90 and low of $65. Citizens’ accuracy on 137 calls is just 38%, well below the top-tier firms covering BRO (RBC Capital and Raymond James at 67%). Momentum is positive: 2 upgrades and 0 downgrades in the past 30 days, though EPS revisions have been trending lower — 9 downward revisions vs 4 upward in the last 30 days for the next quarter. A single insider buy of $114k by Director H. Palmer Jr. on May 5 provides a mild bullish contra-signal to the broader cautious consensus. Bottom line: Citizens’ initiation is a modest bullish signal from a low-accuracy firm, but the consensus hold-heavy backdrop and declining EPS estimates temper conviction.

Impact Score

Base Score
0/7
LLM Adjustment
+1
Final Score
1/10

Consensus & Targets

Buy / Strong Buy
6 (24%)
Hold
19
Sell / Strong Sell
0
Total Analysts
15
Mean PT
$73.80
Median PT
$72.00
High PT
$90.00
Low PT
$65.00
Current Price
$55.69
Implied Upside
+32.5%

Of 25 analysts covering BRO, 1 is Strong Buy, 5 are Buy, 19 are Hold, 0 are Sell, and 0 are Strong Sell. The consensus is heavily skewed toward Hold (76%), indicating broad caution despite the bullish initiation.

Current price: $55.69. Mean target: $73.80 (32.5% upside). Median: $72. High: $90 (Truist Securities). Low: $65. Citizens’ $70 target is below the mean and median, ranking 6th lowest among 15 analysts. The implied upside is below the consensus average.

Recent Analyst Activity

DateFirmActionRatingPrice Target
2026-05-21 Citizens initiate Market Outperform $70.00
2026-05-21 Morgan Stanley maintain Equal-Weight $60.00
2026-05-06 Citigroup upgrade Buy $70.00
2026-04-29 RBC Capital maintain Sector Perform $72.00
2026-04-29 Wells Fargo maintain Equal-Weight $69.00
2026-04-29 Keefe, Bruyette & Woods maintain Market Perform $72.00
2026-04-29 Truist Securities maintain Buy $90.00
2026-04-14 B of A Securities maintain Neutral $88.00
2026-04-13 Mizuho maintain Outperform $84.00
2026-04-09 JP Morgan maintain Neutral $85.00

30-day analyst activity: 2 upgrades (Citigroup from Neutral to Buy on May 6, Citizens initiation today), 0 downgrades. EPS revision trend is negative: next-quarter estimates saw 9 downward revisions vs 4 upward in the last 30 days, and the current EPS estimate ($1.0836) is down from $1.10016 a month ago. Full-year estimates also declining.

Firm Track Record — Citizens

Citizens accuracy: 38% on 137 calls | avg return: -6.6%

Industry benchmark: mean 51% ± 11%. Top tier: ≥61% (mean + 1σ). Based on 12 firms with ≥5 scored calls.

FirmAccuracyCallsAvg Returnvs Average
RBC Capital 67% 2/3 4.2% top tier
Raymond James 67% 2/3 -0.9% top tier
Keefe, Bruyette & Woods 60% 6/10 -1.6% above average
Wells Fargo 55% 6/11 -1.2% above average
B of A Securities 50% 3/6 1.7% below average
Citigroup 50% 2/4 1.6% below average
Truist Securities 38% 3/8 0.5% below average
Morgan Stanley 33% 2/6 -10.9% below average
UBS 33% 1/3 -1.8% below average
BMO Capital 33% 1/3 -14% below average

Citizens has a 38% accuracy rate on 137 calls, with an average return of -6.6%. This places it among the lower-tier firms covering BRO. Top performers are RBC Capital and Raymond James (both 67% on 3 calls) and Keefe, Bruyette & Woods (60% on 10 calls). Worst performers include Jefferies (0% on 3 calls) and Barclays (29% on 7 calls).

Earnings Estimates

PeriodEPS Est.EPS RangeRevenueRevisions (7d)
+1q $1.08 $1.05 — $1.16 $1.8B ↑2 ↓0
+1y $4.88 $4.63 — $5.03 $7.5B ↑2 ↓0
0q $1.08 $1.00 — $1.17 $1.7B ↑2 ↓0
0y $4.50 $4.35 — $4.67 $7.1B ↑0 ↓0

Cross-Platform Signals

Insider Trades (90d)
1 buys / 0 sells
Congressional
April McClain Delaney (democrat) — sell $1,001 - $15,000
Congressional
Jared Moskowitz (democrat) — sell $1,001 - $15,000
Congressional
Jared Moskowitz (democrat) — sell $1,001 - $15,000
Institutional
NORGES BANK — new
Institutional
TWO SIGMA INVESTMENTS, LP — exit (-100%)
Institutional
FMR LLC — add (41.6%)
Short Interest
Short: 421,258 | Exempt: 74,891 | TRF Vol: 703,909 | Short Ratio: 59.8% | Off-exchange volume (dark pool + OTC)

Insider trades: One buy of $114k by Director H. Palmer Jr. on May 5 — a bullish signal that aligns with the initiation. Congressional trades: 5 small sells (all $1k-$15k) by Reps. Delaney and Moskowitz since Feb 2026 — non-informative given size. Institutional: Norges Bank added a new $517M position, while FMR LLC increased by 41.6% to $1.12B. Short interest ratio is 59.8% of TRF volume, elevated but not extreme. Overall, insider buying and large institutional adds converge with the bullish analyst signal.

Actionable Insight

The initiation adds a bullish voice, but with low firm accuracy and declining EPS estimates, traders should treat this as a modest positive. The $70 target is below consensus, so upside may be limited relative to peers. Watch for earnings date — if within 30 days, the PT move could gain significance.

Documents Analyzed

Report based on filing metadata.

8 reports for BRO
Performance horizon

Track record builds as more directional reports settle.

Filters
Rows
Reports for BRO — sortable, filterable
Type Now
May 21, 2026
1d ago
ANALYST-UPGRADE
BULLISH ★ 1/10
$57.85 awaiting T+5awaiting T+5$57.67 (−0.32%)
May 16, 2026
5d ago
ANALYST-UPGRADE
BULLISH ★ 3/10
$71.21 awaiting T+5awaiting T+5$57.67 (−19.02%)
May 6, 2026
15d ago
ANALYST-UPGRADE
BULLISH ★ 2/10
$56.51 $55.77▼ −1.30%▼ −2.43%$57.67 (+2.05%)
Apr 27, 2026
24d ago
8-K
MIXED ★ 5/10
$63.03 $57.64▼ −8.54%▼ −10.24%$57.67 (−8.50%)
Apr 27, 2026
24d ago
Press Release
MIXED ★ 5/10
$63.03 $57.64▼ −8.54%▼ −10.24%$57.67 (−8.50%)
Apr 16, 2026
5w ago
ANALYST-UPGRADE
MIXED ★ 5/10
$68.81 $67.53▼ −1.86%▼ −2.84%$57.67 (−16.19%)
Apr 9, 2026
6w ago
8-K
NEUTRAL ★ 3/10
$67.13 $68.81▲ +2.50%▼ −0.68%$57.67 (−14.09%)
Mar 24, 2026
8w ago
DEFA14A
NEUTRAL ★ 3/10
$64.09 $64.36▲ +0.42%▲ +0.66%$57.67 (−10.02%)
Showing 8 of 8

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