{"schema_version":"secwatch.filing_event.v1","accession":"0000033992-25-000014","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.937643+00:00","generated_at":"2026-05-22T05:54:40.757819+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Kingstone Q1 net income up 172% to $3.9M; core premiums grew 23%","bullets":["Net income of $3.9M ($0.29 basic EPS) vs $1.4M in Q1 2024; ROE annualized 20.8%.","Core business direct premiums written $57.2M, up 22.7% YoY; net combined ratio 93.7%.","Catastrophe losses 3.5 ppt lower YoY due to mild winter; higher fire loss severity offset.","Sixth consecutive quarter of profitability; full-year 2025 guidance reaffirmed.","CEO cites favorable competitive landscape in Downstate NY driving new business growth."],"urls":{"canonical":"https://secwatch.observer/filing/0000033992-25-000014","json":"https://secwatch.observer/filing/0000033992-25-000014.json","markdown":"https://secwatch.observer/filing/0000033992-25-000014.md","text":"https://secwatch.observer/filing/0000033992-25-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000014/0000033992-25-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000014/kins-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T05:54:40.757819+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}