{"schema_version":"secwatch.filing_event.v1","accession":"0000033992-25-000024","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.723072+00:00","generated_at":"2026-05-17T00:04:23.284021+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Kingstone Q3 net income rises 56% to $10.9M; diluted EPS $0.74","bullets":["Direct premiums written $75.8M, up 13.8% YoY; net combined ratio 72.7%.","Net income $10.9M (diluted EPS $0.74) vs $6.98M ($0.55) in prior year.","Annualized ROE 42.9%; net earned premium growth >40% for 3rd consecutive quarter.","CEO cites strong retention, hard Downstate NY market, lower catastrophe losses."],"urls":{"canonical":"https://secwatch.observer/filing/0000033992-25-000024","json":"https://secwatch.observer/filing/0000033992-25-000024.json","markdown":"https://secwatch.observer/filing/0000033992-25-000024.md","text":"https://secwatch.observer/filing/0000033992-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000024/0000033992-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000003399225000024/kins-20251106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:04:23.284021+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"}