---
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"
generated_at: "2026-05-22T05:54:40.757819+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kingstone Q1 net income up 172% to $3.9M; core premiums grew 23%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-25-000014
- JSON: https://secwatch.observer/filing/0000033992-25-000014.json
- Plain text: https://secwatch.observer/filing/0000033992-25-000014.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.