{"filings":[{"id":667525,"accession_number":"0002077096-26-000174","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2026-05-26T20:05:14+00:00","items":["5.02","5.07"],"status":"ready","headline":"NI Holdings elects two new directors; shareholders ratify auditor and approve executive compensation","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dana J. Kaldor and Callie J. Thomas elected to board; Kaldor on Audit and Nominating committees, Thomas on Audit and Compensation.","Each new director granted 5,015 restricted stock units under standard non-employee director compensation.","All eight director nominees elected; votes for ranged from 15,693,164 to 18,226,070, with some withheld votes.","Forvis Mazars ratified as independent auditor for FY2026: 19,134,720 for, 92,312 against.","Advisory vote on named executive officer compensation approved: 17,176,881 for, 1,244,892 against, 836,385 broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94659,"accession_number":"0001174947-26-000571","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2026-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q1 EPS $0.60 vs $0.31; combined ratio improves to 79.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Gross premiums written $57.5M, down 15.1% YoY, driven by exit from Non-Standard Auto.","Combined ratio improved to 79.7% from 94.4%, driven by Home & Farm and Private Passenger Auto.","Net income $12.5M, up 93.6%; basic EPS $0.60 vs $0.31 in prior year quarter.","Net investment income $2.7M, down 6.4% on lower average fixed income portfolio.","Growth in Home & Farm (+7.3%) and All Other (+60.0%) partially offset auto declines."],"consensus_eps_estimate":null,"consensus_eps_actual":0.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":59602000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107189,"accession_number":"0001174947-26-000307","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2026-03-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q4 loss $0.15/sh; combined ratio 109.6% on reserve strengthening","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums fell 26% to $54.1M in Q4; full year down 15.3% to $289.8M.","Combined ratio 109.6% in Q4 (+29.6 pts), 109.9% FY 2025, on non-standard auto reserve strengthening.","Net loss of $3.2M in Q4 vs. income $9.8M prior year; full year net loss $10.4M, loss per share $0.50.","Strategic exit of Non-Standard Auto in IL, AZ, SD; historic ND Q2 catastrophe impacted Home and Farm segment.","Net investment income up 6.9% to $11.7M for full year; core lines remained solid per management."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107188,"accession_number":"0001174947-26-000212","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2026-02-23T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Duaine C. Espegard will not stand for re-election at NI Holdings 2026 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Duaine C. Espegard notified the Board he will not stand for re-election at the 2026 annual meeting.","Decision is not due to any disagreement with the Company's operations, policies, or practices.","Espegard will continue serving until his term expires at the 2026 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123525,"accession_number":"0001174947-25-001357","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q3 net loss $1.7M ($0.08/sh); direct premiums down 13.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums $58.5M, down 13.7% YoY; Non-Standard Auto down 80% due to strategic exit in IL, AZ, SD.","Combined ratio improved slightly to 109.1% from 111.0%, but still elevated; adverse prior-year development contributed 11.2 pts.","Net loss attributable to NI Holdings of $1.7M vs $2.7M loss in Q3 2024; basic loss per share $(0.08).","Net investment income up 8.1% to $3.0M; net investment gains fell 43.5% to $1.4M.","CEO Cindy Launer noted strategic shift away from non-standard auto for stronger underwriting performance."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":224059000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123524,"accession_number":"0001174947-25-001316","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-10-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CEO Seth Daggett terminated without cause; enters separation agreement for $2.56M severance","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Former CEO Seth Daggett receives $2,559,947 severance plus $72,968 for 24 months of health coverage.","Separation Agreement signed Oct 29, 2025, following without-cause termination on Oct 10, 2025.","Agreement includes mutual non-disparagement and cooperation for six months at $400/hour.","Executive releases all employment-related claims; retains vested benefits and ESOP/401(k) rights.","Seven-day revocation period applies; agreement effective after revocation expires."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123522,"accession_number":"0001174947-25-001307","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K/A","filed_at":"2025-10-29T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings sets CEO Cindy Launer's compensation: $750k salary, STI, equity grants","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Annual base salary of $750,000 effective Jan 1, 2026; pro rata for Oct-Dec 2025.","Short-term incentive target 80% of base salary (2026); payout range 50%-140% of target; 2025 STI target $150,000.","Long-term equity incentive of 100% of base salary with 3-year vesting (2026); 2025 RSU grant of $187,500.","Moving expense reimbursement and short-term housing provided until relocation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123523,"accession_number":"0002077096-25-000137","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-10-10T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"CEO Seth Daggett departs; Cindy Launer appointed President and CEO effective Oct 10, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Seth Daggett stepped down as President and CEO and resigned from the board, effective October 10, 2025.","Cindy Launer, a board member since Nov 2019 and former interim CEO, appointed as President and CEO effective same date.","Company expects ~$2.5M severance payment to Daggett under termination without cause, subject to separation agreement.","Launer previously served as COO of AIG's Commercial Insurance business and brings 18 years of insurance industry experience."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140202,"accession_number":"0002077096-25-000046","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"NI Holdings announces $5M share repurchase authorization, total $6.3M available","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $5M in new repurchases, plus $1.3M remaining from prior plan, for combined $6.3M capacity.","Repurchases subject to market conditions, trading price, and legal requirements; no obligation and plan may be suspended.","As of July 31, 2025, the company had 20,675,337 shares of common stock outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140201,"accession_number":"0001174947-25-001143","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-08-08T23:59:59+00:00","items":[],"status":"ready","headline":"NI Holdings Q2 net loss $12.1M; combined ratio 125.1% on catastrophic storm losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums fell 7.6% to $109.5M; Non-Standard Auto down 56.4% per strategic pullback.","Combined ratio worsened to 125.1% from 113.7%; $20M pre-tax catastrophe losses from ND storm.","Net loss from continuing ops $12.1M ($0.57 basic loss per share) vs $7.5M loss a year ago.","Net investment income rose 40.8% to $2.7M on higher reinvestment rates and realized gains.","Home and Farm premiums up 8.1% on rate increases and new business in North Dakota."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":147491000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157847,"accession_number":"0001174947-25-000859","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-05-27T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"NI Holdings appoints five senior leaders including CAO, CUO, CCO, Chief Actuary, and CIO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kevin Elfstrand promoted to SVP & Chief Accounting Officer effective June 1, 2025; base salary $310K plus STI and LTI.","Brandon Nicol promoted to SVP of Reinsurance & Chief Underwriting Officer; 19 years insurance experience.","Chris Oen promoted to SVP & Chief Claims Officer; 30 years in P&C insurance, joined NI Holdings in 2007.","Dominic Weber promoted to SVP & Chief Actuary; 42 years experience, FCAS and MAAA designations.","Doug Duncan hired as SVP & Chief Information Officer (newly created role); former CIO at Columbia Insurance Group."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157846,"accession_number":"0001174947-25-000858","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-05-27T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"NI Holdings shareholders elect all 8 director nominees, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; top vote-getter Cindy L. Launer with 18,421,522 votes for.","Ratification of Forvis Mazars as independent auditor for FY2025 approved: 19,445,074 for, 124,504 against.","Non-binding advisory vote to approve named executive officer compensation passed: 18,127,743 for, 402,553 against.","Annual meeting held May 20, 2025; 19,590,347 shares represented (approx. 99% of outstanding)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157844,"accession_number":"0001174947-25-000845","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K/A","filed_at":"2025-05-23T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings adds Dave L. Stende to Compensation Committee","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Dave L. Stende was appointed to the Board effective April 1, 2025.","On May 21, 2025, Stende was appointed to the Compensation Committee.","This completes the committee assignments for the new director."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":157845,"accession_number":"0001174947-25-000722","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q1 net income $6.46M, EPS $0.31; premiums down 18.4% on strategic Non-Standard Auto pullback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums $67.7M, down 18.4% YoY due to exiting Nevada and reducing Chicago Non-Standard Auto.","Combined ratio of 94.4% (vs 93.9% prior year); expense ratio up 0.8 pts to 37.3%.","Net investment income rose 3.0% to $2.8M on higher average invested assets.","Basic EPS $0.31 (cont. ops $0.31 vs $0.33 prior); ROAE 10.4% vs 12.1%.","Positive momentum in core personal lines; Home and Farm benefited from favorable weather and lower large loss frequency."],"consensus_eps_estimate":null,"consensus_eps_actual":0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":71434000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176229,"accession_number":"0001174947-25-000376","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-03-21T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings appoints Dave L. Stende to Board, expands to nine directors effective April 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board increased to nine directors and appointed Dave L. Stende as a director effective April 1, 2025.","Mr. Stende is independent under Nasdaq standards and will serve on the Audit Committee.","No family relationships with any director/executive officer; no material interest in any transactions.","Eligible for standard non-employee director compensation as described in prior proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176228,"accession_number":"0001174947-25-000306","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-03-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q4 net income $9.8M; full-year combined ratio 100.7% from Non-Standard Auto weakness","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income attributable $9.8M ($0.47 EPS); continuing ops net income fell 48.7% YoY to $9.8M.","Full-year combined ratio 100.7% vs 97.0%, driven by Non-Standard Auto reserve development and Home and Farm loss severity.","Net investment income increased 36.2% to $10.9M on higher fixed income reinvestment rates.","Direct written premiums Q4 down 7.9% to $73.1M; full year up 0.3% to $342.3M.","Management executing aggressive strategic actions in Non-Standard Auto to reduce earnings volatility."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176227,"accession_number":"0001174947-25-000267","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings appoints Matt Maki as permanent CFO effective March 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Matt Maki, previously Interim CFO, appointed full-time CFO effective March 1, 2025; will serve as principal financial and accounting officer.","Annual base salary of $435,000; short-term incentive at 50% of base salary (threshold 25%, target 50%, stretch 100%).","Long-term incentive at 70% of base salary; one-time cash bonus of $25,000 and RSU grant of $70,000 with three-year vesting.","Maki joined NI Holdings in Aug 2020 as VP of FP&A; prior roles at RAM Mutual Insurance and Travelers; CPA and UW-Eau Claire graduate.","Employment agreement expected with one-year term; severance provisions for termination without cause or for good reason."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176226,"accession_number":"0001174947-25-000257","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings director Stephen V. Marlow to not seek reelection at 2025 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Stephen V. Marlow notified the Company on February 25, 2025 of his decision.","His departure is not the result of any disagreement with NI Holdings.","Mr. Marlow's board term will end at the 2025 annual meeting of stockholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193117,"accession_number":"0001174947-24-001286","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-12-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"NI Holdings terminates SVP Operations Patrick Duncan without cause; receives $860K severance","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Patrick W. Duncan's employment as SVP Operations ended Nov. 20, 2024; separation agreement signed Nov. 27.","Severance payment of $859,706.39 (two years base salary plus average bonus) plus $35,641.71 for health coverage.","Company will pay COBRA premiums for 18 months; Duncan retains company-issued cell phone and iPad.","Duncan has 7-day revocation period; agreement includes non-disparagement and 6-month cooperation clause.","No acceleration of equity vesting triggered; Duncan not entitled to any short-term incentive bonus."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193116,"accession_number":"0001174947-24-001282","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-11-22T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"NI Holdings appoints Seth Daggett as permanent CEO, Matt Maki as Interim CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Seth Daggett, former CFO, becomes President and CEO effective Dec 1, 2024; Cindy Launer returns to Board.","Matt Maki, VP Financial Planning & Analysis, appointed Interim CFO effective Dec 1, 2024; permanent CFO search started.","Patrick Duncan, SVP Operations, departed Nov 20; company expects ~$859,706 in termination payments plus health benefits.","Daggett's CEO comp: $700k base, 80% base STI target, 100% base LTI, $100k cash bonus, $240k RSU grant vesting 3 yrs.","Maki Interim CFO: $25k/month (40% cash, 60% RSUs), plus existing VP comp ($320k base, 40% STI, 40% LTI)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193115,"accession_number":"0001174947-24-001228","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q3 net loss of $2.7M; combined ratio worsens to 111%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss from continuing ops of $2.7M vs income of $0.7M; basic loss per share $(0.13).","Combined ratio of 111.0% (up 10.2 pts) due to higher weather losses and CEO transition costs.","Direct written premiums $67.7M, flat YoY; Non-Standard Auto down 35.8%, Home and Farm up 11.6%.","Net investment income rose 32.5% to $2.8M on higher fixed income reinvestment rates.","Company sold Westminster American in Q2, refocusing on core business to return to profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":251290000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193114,"accession_number":"0001174947-24-001172","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["4.02","9.01"],"status":"ready","headline":"NI Holdings restates Q2 2024 results due to $3.4M accounting error from Westminster sale","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee concluded Q2 2024 financial statements should no longer be relied upon.","Error: failed to record ~$3.4M receivables in Westminster closing balance sheet, understating loss on sale of discontinued ops.","Net loss understated by $3.4M, or $0.17/$0.16 per basic/diluted share for 3- and 6-month periods ended June 30, 2024.","Company will file amended 10-Q/A as soon as practicable to correct the prior period.","Management is reevaluating disclosure controls and procedures as of June 30, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209497,"accession_number":"0001174947-24-001087","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-09-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"NI Holdings finalizes separation agreement with former CEO Michael Alexander for $3.8M severance","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Former CEO Michael Alexander terminated without cause Aug 13, 2024; separation agreement signed Sept 16, 2024.","Severance payment of $3,826,583.01 (three years base salary and avg bonus) paid within 10 days after revocation period.","Company to pay COBRA premiums for 18 months plus $65,493.07 for additional after-tax health coverage.","Agreement includes full release of claims, non-disparagement, and 6-month cooperation at $400/hour."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209493,"accession_number":"0001104659-24-092859","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K/A","filed_at":"2024-08-26T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"NI Holdings discloses interim CEO Cindy Launer compensation: $100k/month salary","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Interim CEO Cindy L. Launer receives $100,000 per month base salary beginning September 1, 2024.","Ms. Launer will not receive board compensation while serving as Interim CEO.","Employment agreement dated August 26, 2024 filed as Exhibit 10.1; at-will employment confirmed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209496,"accession_number":"0001174947-24-001013","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-08-15T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"NI Holdings CEO Michael J. Alexander departs; Cindy L. Launer named interim CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael J. Alexander stepped down as President/CEO and board member effective August 13, 2024.","Company expects ~$3.7 million in severance payments to Alexander subject to separation agreement.","Cindy L. Launer, board member since 2019, appointed interim CEO effective August 13, 2024.","Launer formerly COO of AIG's Commercial Insurance business; will remain on board.","Board begins search for permanent CEO with no definitive timeline."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209495,"accession_number":"0001174947-24-000979","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q2 net loss of $16.2M; combined ratio 113.7%; closed sale of Westminster","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Basic loss per share from continuing ops ($0.36) vs ($0.12) YoY; net loss $16.2M vs $8.1M.","Combined ratio 113.7% (107.1% prior year) on weather losses and unfavorable reserve development.","Direct written premiums down 2.6% to $118.5M; Non-Standard Auto grew 26.4%, Home & Farm up 11.5%.","Closed sale of Westminster American Insurance, one-time after-tax loss of $7.8M.","Net investment income rose 31.2% to $2.5M on higher reinvestment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":162306000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209494,"accession_number":"0001104659-24-078089","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-07-05T23:59:59+00:00","items":["2.01","9.01"],"status":"ready","headline":"NI Holdings completes $10.5M sale of commercial insurer Westminster; records $14.4M loss on sale","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sale of Westminster American Insurance Company closed June 30, 2024 for $10.5 million in cash to Scott Insurance Holdings.","Estimated net loss on sale of $14.4 million reduces pro forma shareholders' equity from $255.8M to $241.4M.","Transaction represents strategic exit from majority of commercial insurance operations; results classified as discontinued operations.","Pro forma net income for Q1 2024 is $7.0M vs $6.4M as reported; 2023 pro forma net income $16.2M vs $(5.5M) loss.","Post-closing adjustment based on Westminster's statutory surplus vs $20M threshold; amount not yet estimable."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227567,"accession_number":"0001174947-24-000801","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-06-05T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"NI Holdings replaces auditor after Mazars merger with FORVIS","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Mazars USA LLP resigned as auditor on June 1, 2024, after its partners/employees joined FORVIS, which renamed to Forvis Mazars, LLP.","Audit Committee appointed Forvis Mazars, LLP as new independent registered public accounting firm effective June 1, 2024.","Mazars' audit reports for FY 2023 and 2022 contained no adverse opinion or qualification.","No disagreements with Mazars on accounting principles or audit scope during FY 2022, 2023, or interim 2024.","Letter from Mazars to SEC confirming agreement with statements filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227566,"accession_number":"0001104659-24-064566","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"NI Holdings shareholders elect all 8 directors, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["19,708,579 shares represented at May 21, 2024 annual meeting.","All eight director nominees elected with votes ranging from 15.9M to 17.5M for.","Ratification of Mazars USA LLP as auditor approved: 19,515,768 for, 180,211 against.","Non-binding advisory vote on executive compensation approved: 17,072,090 for, 1,720,485 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227565,"accession_number":"0001174947-24-000724","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q1 net income $6.4M vs loss; combined ratio improves to 97.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums up 13.4% to $102.7M, led by Non-Standard Auto (+23.2%) and Home & Farm (+13.1%).","Combined ratio improved to 97.2% from 112.2% a year ago, driven by rate increases and lower weather losses.","EPS of $0.31 vs -$0.20; net income attributable to NI Holdings of $6.4M vs -$4.2M.","Net investment income rose to $3.6M on higher fixed-income reinvestment rates; net investment gain $1.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":91350000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227564,"accession_number":"0001174947-24-000694","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"NI Holdings sells Westminster American Insurance for $10.5M cash to Scott Insurance Holdings","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sale of wholly-owned subsidiary Westminster American Insurance for $10.5M cash to Scott Insurance Holdings.","Buyer affiliated with John Scott Sr., father of subsidiary president John Scott Jr.","Approved by board; closing expected in 2024 subject to regulatory approval and reinsurance.","Proceeds for general corporate purposes; sale refocuses on core businesses away from commercial habitational market."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246386,"accession_number":"0001174947-24-000363","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2024-03-15T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q4 net income $6.6M ($0.32 EPS), full-year loss narrows to $0.26/sh","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums Q4 up 16.2% to $102.4M; full year up 7.4% to $418.4M.","Q4 combined ratio improved 23.5 pts to 85.9%; full year improved 16.5 pts to 103.4%.","Q4 net investment income $2.8M (Q4 2022: $2.5M); full year $10.5M vs $7.8M.","Full-year net loss of $5.5M versus $53.1M in 2022, driven by improved underwriting.","Repurchased 548,549 shares for $7.3M at avg price $13.15 in 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":263821,"accession_number":"0001174947-23-001342","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q3 EPS $0.01 vs loss $0.47; combined ratio improves to 102% from 114.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $231K vs net loss of $9.985M in Q3 2022; diluted EPS $0.01.","Direct written premiums $81.2M, flat YoY; net earned premiums $90.8M, up 1.4%.","Combined ratio 102.0% vs 114.4%; loss ratio improved to 70.0% from 88.1%.","Repurchased 310,385 shares for $4.0M at avg $12.86 per share.","Net investment income rose to $2.8M from $2.0M, driven by higher reinvestment rates."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":271281000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":281033,"accession_number":"0001174947-23-000991","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q2 net loss narrows to $0.38/sh; combined ratio 114%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to NI Holdings of $8.1M vs $45.9M loss in Q2 2022; loss per share $0.38 vs $2.15.","Combined ratio improved to 114.0% from 159.6% due to lower weather losses, partly offset by elevated loss costs and inflation.","Net earned premiums up 11.4% to $94.2M; direct written premiums flat at $144.3M.","Net investment income rose to $2.5M from $2.0M; net investment loss of $0.2M vs $11.1M loss.","Repurchased 192,065 shares at avg $13.55 for $2.6M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.58,"consensus_revenue_estimate":null,"consensus_revenue_actual":178532000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299740,"accession_number":"0001104659-23-064619","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-05-25T23:59:59+00:00","items":["5.03","5.07","9.01"],"status":"ready","headline":"Shareholders approve board declassification, eliminate supermajority voting at NI Holdings annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders approved immediate declassification of the Board (19.4M for, 16.5K against) and elimination of supermajority voting requirements (17.5M for, 1.9M against).","Shareholders approved the right to call special meetings (19.4M for, 5.5K against) and amended bylaws to reflect these changes.","Directors Michael J. Alexander and Jeffrey R. Missling were elected with 16.8M and 16.4M votes for, respectively; each had 782K broker non-votes.","Ratification of Mazars USA LLP as independent auditor for FY 2023 passed with 19.8M votes for.","Non-binding say-on-pay approved (16.5M for); advisory vote on executive compensation to be held annually."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":299739,"accession_number":"0001174947-23-000738","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q1 net loss of $4.2M; combined ratio deteriorates to 112.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums rose 19.9% to $90.6M, led by Non-Standard Auto (+52%).","Net loss per share of $0.20 vs EPS of $0.09 in prior year; combined ratio 112.2% vs 91.3%.","Elevated loss severity, winter storm impacts, and unfavorable prior-year reserve development drove underwriting loss.","Net investment income increased over 35% YoY to $2.2M; company repurchased $0.6M of stock."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":81556000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319844,"accession_number":"0001174947-23-000314","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-03-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports 2022 net loss of $53.1M; combined ratio 119.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year net loss of $53.1M ($2.49 loss per share) vs. $8.4M income ($0.39 EPS) in 2021.","Combined ratio of 119.9% for 2022, up from 104.3% in 2021, driven by elevated loss costs and $68.5M in catastrophe losses.","Direct written premiums grew 13.9% to $389.7M; Non-Standard Auto led with 26.8% increase.","Q4 net income of $0.9M ($0.04 EPS) compared to $6.1M ($0.29 EPS) a year ago; Q4 combined ratio 109.4% vs 98.6%.","Management cites improved trends in Personal Auto and Home/Farm segments from rate and underwriting actions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319842,"accession_number":"0001174947-23-000309","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K/A","filed_at":"2023-03-08T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings assigns new director Prakash Mathew to Nominating and Executive Committees","summary_kind":"llm","event_type":"leadership","confidence":"medium","bullets":["Prakash Mathew appointed to Board effective February 1, 2023, as reported in prior 8-K.","On March 6, 2023, Board assigned Mathew to the Nominating and Corporate Governance Committee.","Mathew also assigned to the Executive Committee of the Board."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":319843,"accession_number":"0001174947-23-000010","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2023-01-10T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"NI Holdings appoints Prakash Mathew as Class II director, effective Feb 1, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board of Directors expanded from seven to eight members.","Prakash Mathew appointed to Class II, term until 2024 Annual Meeting.","Mathew determined independent under Nasdaq listing standards.","No committee assignments yet; amendment to follow when appointed.","Mathew eligible for standard non-employee director compensation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":338053,"accession_number":"0001174947-22-001177","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q3 2022 EPS loss of $0.47; combined ratio worsens to 114.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Direct written premiums grew 17.8% to $81.1M, driven by Non-Standard Auto and Commercial segments.","Combined ratio of 114.4% vs 110.8%, impacted by inflation, catastrophe losses, and adverse development.","Pre-tax catastrophe losses net of reinsurance were $19.6M for Q3, $68.7M YTD, adding 22.7 pts to combined ratio.","Net investment losses of $2.9M in Q3 due to unfavorable equity markets.","Repurchased 62,175 shares for $0.9M at avg price $15.11."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":231105000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":355407,"accession_number":"0001174947-22-000921","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings reports Q2 net loss of $45.9M driven by $49.1M catastrophe losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $45.9M vs $2.6M loss in Q2 2021; diluted EPS loss of $2.15.","Direct written premiums grew 15.5% to $145.0M, led by Crop, Commercial, and Non-Standard Auto.","Underwriting loss of $50.3M from $49.1M pre-tax catastrophe losses (prior year $10.0M).","Net investment losses of $11.1M vs gains of $4.7M a year ago, due to equity market conditions.","Repurchased 56,372 shares at avg $16.58 for $0.9M during the quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":141930000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":355406,"accession_number":"0001174947-22-000844","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-07-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings estimates $49M pre-tax catastrophe losses for Q2 2022 from storms in SD/NE","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pre-tax catastrophe losses of ~$49 million net of reinsurance for Q2 2022.","Losses concentrated in Home/Farm and Private Passenger Auto segments.","Multiple severe storms in South Dakota and Nebraska driving losses.","CEO cites industry-wide unpredictability of storm frequency/severity.","Full Q2 2022 results to be released on August 4, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373568,"accession_number":"0001104659-22-064636","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-05-25T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"NI Holdings reports 2022 annual meeting vote results; all proposals pass","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected directors Aasmundstad (16.4M for), Launer (17.0M for), Marlow (16.6M for) with 835K broker non-votes each.","Ratified Mazars USA LLP as auditor with 19.6M for, 709K against, 13K abstentions.","Broker non-votes totaled 835,161 on director elections; no such non-votes on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373567,"accession_number":"0001174947-22-000645","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-05-09T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"NI Holdings announces $10M share repurchase authorization, total $12M available","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $10M in share repurchases; combined with $2M remaining from prior plan, total ~$12M available.","Company had 21,235,174 shares outstanding as of April 30, 2022.","Repurchases at management's discretion; plan may be suspended or modified at any time.","Intended to create long-term shareholder value and support capital deployment strategy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":373566,"accession_number":"0001174947-22-000639","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q1 net income drops 80% to $1.9M ($0.09/sh) on investment losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.9M ($0.09/sh) vs $9.7M ($0.45/sh) prior-year, down 80.3%.","Combined ratio improved to 91.3% from 92.1%; underwriting gain up 20.9% to $6.1M.","ROE fell to 2.3% from 11.2% due to unrealized investment losses from rising rates and equity markets.","Direct written premiums grew 4.3% to $75.5M; shareholders' equity down 4.4% to $332.3M.","Repurchased 54,872 shares at avg $18.17 for $1.0M during the quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":66140000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":392259,"accession_number":"0001174947-22-000386","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-03-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"NI Holdings enters employment agreement with CFO Seth Daggett; base salary $285,000","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CFO Seth Daggett's new agreement includes $285,000 base salary and participation in equity incentive and short-term performance plans.","Severance on termination without cause/for good reason includes base salary plus average three-year bonus, prorated for remaining employment period.","Agreement includes standard non-disclosure, release requirement, and Section 409A compliance provisions.","Effective March 15, 2022; automatically extends daily to maintain a one-year term unless notice given."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":392258,"accession_number":"0001174947-22-000354","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2022-03-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q4 net income falls 72% to $6.1M; full-year combined ratio above 100%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $6.1M ($0.29 EPS) vs $21.6M ($1.01 EPS) prior year; full-year $8.4M ($0.39 EPS) vs $40.4M ($1.86 EPS).","Direct written premiums +7.4% in Q4, +8.9% for year, driven by commercial and non-standard auto segments.","Combined ratio: Q4 98.6% vs 79.1%; full-year 104.4% vs 89.4% – weather, inflation, drought impacted.","Repurchased 56,812 shares ($19.44 avg) in Q4 for $1.1M; full-year 225,205 shares for $4.3M.","No earnings conference call to be held for Q4 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":410581,"accession_number":"0001174947-21-001003","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2021-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q3 net loss $4.7M (-$0.22/sh) vs net income $3.7M a year ago; combined ratio 110.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss attributable of $4.7M (-$0.22/sh) vs net income $3.7M ($0.17/sh) in prior-year Q3.","Direct written premiums +0.9% to $68.9M; net earned premiums +12.0% to $82.2M.","Combined ratio worsened to 110.9% from 103.6%, driven by weather, auto claims frequency, and drought on crop segment.","After-tax decrease of $2.0M in net unrealized gains on equity securities hurt EPS by -$0.25 vs prior-year quarter.","New $5M share repurchase authorization approved; 49,862 shares repurchased in Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":238620000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":429385,"accession_number":"0001174947-21-000795","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2021-08-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"NI Holdings announces $5M share repurchase authorization","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to $5M of common stock, in addition to existing authorization.","Repurchases at management's discretion; no obligation to buy shares.","Company had 21,285,433 shares outstanding as of July 31, 2021.","Repurchase plan may be suspended, discontinued, or modified at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":429384,"accession_number":"0001174947-21-000748","cik":1681206,"company_name":"NI Holdings, Inc.","ticker":"NODK","form_type":"8-K","filed_at":"2021-08-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"NI Holdings Q2 net loss of $2.6M vs profit $18.7M a year ago; combined ratio worsens","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $2.644M (-$0.12 per share) vs net income of $18.733M ($0.86) in Q2 2020.","Direct written premiums grew 11.4% to $125.6M, driven by commercial and non-standard auto.","Combined ratio deteriorated to 113.4% from 87.8% on higher weather losses, auto frequency, and drought.","Shareholders' equity up 8.1% to $350.9M; 118,531 shares repurchased for $2.267M in H1 2021.","No earnings conference call held; management cites expected improvement in second half."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":154011000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":286535312.1196581,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2021-08-04T23:59:59+00:00|429384"}