---
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"
generated_at: "2026-05-17T00:04:23.284021+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kingstone Q3 net income rises 56% to $10.9M; diluted EPS $0.74

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000033992-25-000024
- JSON: https://secwatch.observer/filing/0000033992-25-000024.json
- Plain text: https://secwatch.observer/filing/0000033992-25-000024.txt

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