Kingstone CEO reports record 2025 results, announces California E&S expansion in Q2 2026

KINGSTONE COMPANIES, INC.

Net income $40.8M in 2025 (more than doubled); diluted EPS $2.88 (+95%); combined ratio 75% producing 43% ROE.
Expanding into California E&S homeowners market in Q2 2026; California to be <5% of 2026 premium with New York >95%.
E&S model allows rate-to-risk matching and rapid price adjustment; 30% quota share placed on California business.
Targeting low-to-moderate wildfire exposure using market-leading models; aims for high-quality, selective book.
5-year growth plan to reach $500M written premium by 2029; California expected to be 20% of premium by then.

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