{"schema_version":"secwatch.filing_event.v1","accession":"0000033992-26-000005","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2026-03-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.365805+00:00","generated_at":"2026-05-15T20:10:53.684512+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Kingstone posts record Q4 and FY 2025: net combined ratio 64.2%, EPS $1.03/$2.88, guides 2026","bullets":["Q4 GAAP net combined ratio 64.2% (vs 78.5% YoY); annualized ROE 51.3% (vs 34.4% YoY).","Q4 diluted EPS $1.03 (up 157.5% YoY); operating EPS $1.08; FY diluted EPS $2.88 (up 94.6%).","Full year net premiums earned $187.1M (+45.6% YoY); direct premiums written $277.8M (+14.8%).","2026 guidance: direct premiums written growth 16%-20%; underlying combined ratio 74%-76%."],"urls":{"canonical":"https://secwatch.observer/filing/0000033992-26-000005","json":"https://secwatch.observer/filing/0000033992-26-000005.json","markdown":"https://secwatch.observer/filing/0000033992-26-000005.md","text":"https://secwatch.observer/filing/0000033992-26-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/0000033992-26-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/kins-20260305.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T20:10:53.684512+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"}