secwatch.observer — SEC 8-K summary
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Issuer:     KINGSTONE COMPANIES, INC. (KINS)
CIK:        0000033992
Form:       8-K
Filed at:   2026-03-05T23:59:59+00:00
Accession:  0000033992-26-000005
Event type: earnings
Sentiment:  positive
Materiality: 0.90
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Kingstone posts record Q4 and FY 2025: net combined ratio 64.2%, EPS $1.03/$2.88, guides 2026
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/0000033992-26-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/33992/000003399226000005/kins-20260305.htm
  HTML page:      https://secwatch.observer/filing/0000033992-26-000005

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer