{"schema_version":"secwatch.filing_event.v1","accession":"0001021771-26-000016","form_type":"8-K","ticker":"KINS","cik":"0000033992","company_name":"KINGSTONE COMPANIES, INC.","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.365591+00:00","generated_at":"2026-05-16T05:06:48.573496+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 reports record preliminary Q4 and FY2025 results; ROE 49-51%","bullets":["Q4 GAAP net combined ratio 64%-66% vs 79% YoY; net income per diluted share $0.98-$1.03.","Full year direct premiums written $278M (+15% YoY); net combined ratio 75%-77% vs 80%.","Q4 operating net income per diluted share $1.03-$1.08; full year $2.71-$2.79.","Q4 return on equity 49%-51% (up from 34% YoY); full year ROE 41%-43%.","Conference call on March 6, 2026 at 8:30am ET for analysts and investors."],"urls":{"canonical":"https://secwatch.observer/filing/0001021771-26-000016","json":"https://secwatch.observer/filing/0001021771-26-000016.json","markdown":"https://secwatch.observer/filing/0001021771-26-000016.md","text":"https://secwatch.observer/filing/0001021771-26-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33992/000102177126000016/0001021771-26-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33992/000102177126000016/kins-20260204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:06:48.573496+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"}