KINGSTONE COMPANIES, INC. — fact timeline

KINGSTONE COMPANIES, INC. reported first quarter ended March 31, 2026 results: revenue $55,869, net income $(5,808), EPS $(0.40). Guidance reaffirmed.

“www.kingstonecompanies.com . Key Financial and Operational Highlights Three Months Ended March 31, ($ in thousands, except per share data) 2026 2025 Change Net premiums earned $ 55,869 $ 43,523 28.4% Direct premiums written 1 $ 69,603 $ 58,175 19.6% Net combined ratio 112.0% 93.7% 18.3pts Catastrophe loss ratio 1 26.0% 1.7% 24.3pts Underlying combined ratio 1”

KINGSTONE COMPANIES, INC. reported the year ended December 31, 2025 results: revenue $187,127, net income $40,767, EPS $2.88. Guidance initiated.

“Net premiums earned $ 49,463 $ 35,967 37.5% $ 187,127 $ 128,498 45.6% Direct premiums written 1 $ 82,753 $ 72,533 14.1% $ 277,801 $ 241,980 14.8% Net combined ratio 64.2% 78.5% (14.3)pts 75.0% 80.0% (5.0)pts Underlying combined ratio 1 62.6% 78.9% (16.3)pts 74.4% 79.5% (5.1)pts Net income $ 14,760 $ 5,439 171.4% $ 40,767 $ 18,358 122.1% Net income per share - diluted $ 1.03 $ 0.40 157.5% $ 2.88 $ 1.48 94.6%”

KINGSTONE COMPANIES, INC. reported the fourth quarter ended December 31, 2025 results: revenue $49,463, net income $14,760, EPS $1.03. Guidance initiated.

“Net premiums earned $ 49,463 $ 35,967 37.5% $ 187,127 $ 128,498 45.6% Direct premiums written 1 $ 82,753 $ 72,533 14.1% $ 277,801 $ 241,980 14.8% Net combined ratio 64.2% 78.5% (14.3)pts 75.0% 80.0% (5.0)pts Underlying combined ratio 1 62.6% 78.9% (16.3)pts 74.4% 79.5% (5.1)pts Net income $ 14,760 $ 5,439 171.4% $ 40,767 $ 18,358 122.1% Net income per share - diluted $ 1.03 $ 0.40 157.5% $ 2.88 $ 1.48 94.6%”

KINGSTONE COMPANIES, INC. engaged CBIZ CPAs P.C. as its auditor.

“On April 8, 2025, the Audit Committee of the Company’s Board of Directors engaged CBIZ as the Company’s independent registered public accounting firm.”

Marcum LLP resigned as auditor of KINGSTONE COMPANIES, INC..

“On April 8, 2025, Marcum informed Kingstone Companies, Inc. (the "Company") that Marcum resigned as the Company’s independent registered public accounting firm as a result of such acquisition.”

Jennifer Gravelle resigned as Chief Financial Officer at KINGSTONE COMPANIES, INC..

“On March 28, 2025, Jennifer Gravelle, Vice President, Chief Financial Officer and Treasurer of Kingstone Companies, Inc. (the “Company”), advised the Company that she will be resigning from her positions for personal reasons to pursue other opportunities.”

Timothy McFadden departed as director at KINGSTONE COMPANIES, INC..

“On March 12, 2025, Timothy McFadden, a director of Kingstone Companies, Inc. (the “Company”), informed the Board of Directors of the Company (the “Board”) that he will not be seeking re-election to the Board at the 2025 annual meeting of stockholders.”

Thomas Newgarden was appointed as Non-Executive Chairman at KINGSTONE COMPANIES, INC..

“On August 28, 2024, in connection with the retirement of Mr. Goldstein as the Company’s Executive Chairman of the Board, the Board of Directors of the Company (the “Board”) approved the appointment of Thomas Newgarden, a director of the Company, as Non-Executive Chairman of the Board, to be effective as of September 10, 2024.”

Barry Goldstein resigned as Executive Chairman at KINGSTONE COMPANIES, INC..

“On August 28, 2024, Mr. Goldstein notified the Company that he will be retiring and resigning from his position as Executive Chairman of the Board effective as of September 10, 2024.”

Thomas Newgarden was appointed as Director at KINGSTONE COMPANIES, INC..

“Effective as of June 14, 2024, Thomas Newgarden was appointed a director of Kingstone Companies, Inc. (the “Company”).”

KINGSTONE COMPANIES, INC. reported financial results for the first quarter ended March 31, 2024.

“On May 13, 2024, Kingstone Companies, Inc. (the "Company") issued a press release announcing its financial results for the first quarter ended March 31, 2024 (the "Press Release").”

Victor Brodsky was appointed as Chief Accounting Officer at KINGSTONE COMPANIES, INC..

“Kingstone Companies, Inc. (the “Company”) has appointed Victor Brodsky as its new Chief Accounting Officer to replace Michelle Gage in such capacity.”

Michelle Gage was terminated as Chief Accounting Officer at KINGSTONE COMPANIES, INC..

“Ms. Gage’s employment was terminated on April 26, 2024.”

KINGSTONE COMPANIES, INC. reported preliminary financial results for first quarter ended March 31, 2024.

“On April 29, 2024, Kingstone Companies, Inc. (the “Company”) issued a press release announcing certain preliminary financial results for its first quarter ended March 31, 2024”

Manmohan Singh was appointed as director at KINGSTONE COMPANIES, INC..

“On April 9, 2024, Manmohan Singh was appointed a director of Kingstone Companies, Inc. (the “Company”).”

KINGSTONE COMPANIES, INC. reported financial results for the fourth quarter and year ended December 31, 2023.

“On March 27, 2024, Kingstone Companies, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2023 (the “Press Release”).”

KINGSTONE COMPANIES, INC. reported preliminary financial results for the fourth quarter ended December 31, 2023.

“On February 27, 2024, Kingstone Companies, Inc. (the “Company”) issued a press release announcing certain preliminary financial results for the fourth quarter ended December 31, 2023 (the “Press Release”).”

KINGSTONE COMPANIES, INC. reported preliminary financial results for the fourth quarter of 2023.

“On February 7, 2024, Kingstone Companies, Inc. (the " Company ") issued a press release announcing estimated catastrophe losses for the fourth quarter of 2023.”

KINGSTONE COMPANIES, INC. reported financial results for the fiscal period ended September 30, 2023.

“announcing its financial results for the fiscal period ended September 30, 2023”

KINGSTONE COMPANIES, INC. reported preliminary financial results for the third quarter of 2023.

“On November 1, 2023, Kingstone Companies, Inc. (the “ Company ”) issued a press release announcing estimated catastrophe losses for the third quarter of 2023.”

KINGSTONE COMPANIES, INC. reported financial results for the fiscal period ended June 30, 2023.

“On August 10, 2023, Kingstone Companies, Inc. (the “Company”) issued a press release (the “Earnings Press Release”) announcing its financial results for the fiscal period ended June 30, 2023.”

KINGSTONE COMPANIES, INC. shareholders approved Advisory vote on the compensation of the Company’s named executive officers at the 2023-08-09 meeting.

“4. Advisory vote on the compensation of the Company’s named executive officers : For 3,784,529 Against 1,475,775 Abstentions 40,652 Broker Non-Votes 2,244,944”

KINGSTONE COMPANIES, INC. shareholders approved Ratification of the selection of Marcum LLP as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2023 at the 2023-08-09 meeting.

“3. Ratification of the selection of Marcum LLP as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2023: For 6,985,964 Against 558,349 Abstentions 1,587”

KINGSTONE COMPANIES, INC. shareholders approved Approval of an amendment to the Company’s Amended and Restated 2014 Equity Participation Plan (the “2014 Plan”) to increase the number of shares of common stock authorized to be issued pursuant to the 2014 Plan from 1,400,000 to 1,900,000 at the 2023-08-09 meeting.

“2. Approval of an amendment to the Company’s Amended and Restated 2014 Equity Participation Plan (the “2014 Plan”) to increase the number of shares of common stock authorized to be issued pursuant to the 2014 Plan from 1,400,000 to 1,900,000 For 6,794,290 Against 749,327 Abstentions 2,283”

KINGSTONE COMPANIES, INC. shareholders approved Election of Board of Directors at the 2023-08-09 meeting.

“1. Election of Board of Directors: Number of Shares For Withheld Broker Non-Votes Barry B. Goldstein 4,494,674 806,282 2,244,944 Meryl S. Golden 4,816,473 484,483 2,244,944 Floyd R. Tupper 4,402,065 898,891 2,244,944 Timothy P. McFadden 4,678,957 621,999 2,244,944 William L. Yankus 4,523,687 777,269 2,244,944 Carla A. D’Andre 4,463,764 837,192 2,244,944”

KINGSTONE COMPANIES, INC. reported preliminary financial results for second quarter of 2023.

“estimates net pre-tax catastrophe losses for the second quarter of 2023 of $1.38 million ($1.09 million after-tax)”

KINGSTONE COMPANIES, INC. reported financial results for the fiscal period ended March 31, 2023.

“On May 11, 2023, Kingstone Companies, Inc. (the “Company”) issued a press release (the “Press Release”) announcing its financial results for the fiscal period ended March 31, 2023.”

KINGSTONE COMPANIES, INC. reported financial results for the fourth quarter and year ended December 31, 2022.

“On March 30, 2023, Kingstone Companies, Inc. (the "Company") issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2022 (the "Press Release").”

KINGSTONE COMPANIES, INC. reported preliminary financial results for the fourth quarter of 2022.

“On February 1, 2023, Kingstone Companies, Inc. (the " Company ") issued a press release announcing estimated catastrophe losses for the fourth quarter of 2022.”

Jennifer Gravelle was appointed as Chief Financial Officer at KINGSTONE COMPANIES, INC..

“Jennifer Gravelle has joined the Company’s management team as its Chief Financial Officer effective as of January 17, 2023”

Victor Brodsky was appointed as Chief Accounting Officer (interim) at KINGSTONE COMPANIES, INC..

“Victor Brodsky, an accounting consultant to the Company and formerly its Chief Financial Officer, will be assuming Mr. Swartz’s accounting responsibilities on an interim basis.”

Richard Swartz resigned as Chief Accounting Officer and Treasurer at KINGSTONE COMPANIES, INC..

“On December 21, 2022, Richard Swartz, Chief Accounting Officer and Treasurer of Kingstone Companies, Inc. (the “Company”), advised the Company of his desire to resign for personal reasons to pursue other opportunities.”

KINGSTONE COMPANIES, INC. incurred senior notes of new 12.0% Senior Notes due December 30, 2024 of the Company in the aggregate approximate principal amount of $19,950,000 with Exchanging Noteholders at 12.0% maturing December 30, 2024.

“On December 9, 2022, Kingstone Companies, Inc. (the “Company”) entered into a Note and Warrant Exchange Agreement (the “Exchange Agreement”) with several holders (the “Exchanging Noteholders”) of the Company’s outstanding 5.50% Senior Notes due 2022 (the “Existing Notes”). On the date of the Exchange Agreement, the Exchanging Noteholders held Existing Notes in the aggregate principal amount of $21,545,000 of the $30,000,000 aggregate principal amount of Existing Notes then outstanding. Pursuant to the Exchange Agreement, at the closing scheduled for December 15, 2022, the Exchanging Noteholders will exchange their respective Existing Notes for the following: (i) new 12.0% Senior Notes due December 30, 2024 of the Company in the aggregate approximate principal amount of $19,950,000 (the “New Notes”); (ii) cash in the aggregate approximate amount of $1,595,000, together with accrued interest on the Existing Notes; and (iii) three-year warrants for the purchase of an aggregate of 969,525”

KINGSTONE COMPANIES, INC. entered into Exchange Agreement with Exchanging Noteholders valued at $21,545,000 (effective 2022-12-09).

“On December 9, 2022, Kingstone Companies, Inc. (the “Company”) entered into a Note and Warrant Exchange Agreement (the “Exchange Agreement”) with several holders (the “Exchanging Noteholders”) of the Company’s outstanding 5.50% Senior Notes due 2022 (the “Existing Notes”).”

KINGSTONE COMPANIES, INC. reported financial results for the fiscal period ended September 30, 2022.

“On November 14, 2022, Kingstone Companies, Inc. (the “Company”) issued a press release (the “Press Release”) announcing its financial results for the fiscal period ended September 30, 2022.”