secwatch.observer — SEC 8-K summary
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Issuer:     KINGSTONE COMPANIES, INC. (KINS)
CIK:        0000033992
Form:       8-K
Filed at:   2026-05-07T23:59:59+00:00
Accession:  0000033992-26-000018
Event type: earnings
Sentiment:  negative
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Kingstone reports Q1 net loss of $5.8M, diluted EPS -$0.40; underlying combined ratio improves to 88.3%
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- Net premium earned $55.9M (+28% YoY); direct premiums written $69.6M (+20%).
- GAAP net combined ratio 112.0% (vs 93.7%) due to 11 winter catastrophe events; catastrophe loss ratio 26.0% (vs 1.7%).
- Underlying combined ratio improved 5.1 points to 88.3%, reflecting lower non-cat loss frequency and expense discipline.
- Net loss $5.8M ($0.40 diluted loss per share) vs net income $3.9M ($0.27 profit) in prior year.
- Reaffirms full year 2026 guidance; plans California entry Q2 and Connecticut launch via Kingstone America in Q3.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/0000033992-26-000018-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/33992/000003399226000018/kins-20260507.htm
  HTML page:      https://secwatch.observer/filing/0000033992-26-000018

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