Kingstone Companies Incorporated (KINS)

In August 2025, Kingstone reported its Q2 earnings, beating EPS forecasts but missing revenue estimates, with net income up 150% year-over-year and an improved combined ratio. The company also announced plans for strategic expansion and provided 2025 guidance. In November 2025, Kingstone reported its Q3 earnings, surpassing EPS and revenue expectations, and declared a quarterly dividend in October and January 2026. In February 2026, Kingstone announced preliminary record fourth-quarter and full-year 2025 results, with the stock reacting positively, showing growth in direct premiums written and a high Return on Equity.

Demand for Kingstone Cos., Inc.'s products and services exhibits seasonality, particularly influenced by weather patterns and catastrophe activity. The company's fiscal year 2026 guidance assumes "normal seasonality and catastrophe activity." Severe weather events can significantly impact the insurance business, as reflected in the recognition of sliding scale contingent ceding commissions due to low catastrophe losses.

Kingstone Companies, Inc. is a regional property and casualty insurance holding company operating in the Financial Services sector, specifically in the Insurance - Property & Casualty industry. The company provides property and casualty insurance products to individuals and small businesses in the United States, including personal lines such as homeowners, dwelling fire, cooperative/condominiums, renters, and personal umbrella policies. Kingstone also offers commercial auto insurance products, including for-hire vehicle physical damage-only policies for livery and car service vehicles and taxicabs, as well as canine legal liability policies. Additionally, the company provides reinsurance products and underwrites its products through a network of retail and wholesale agents and brokers.

Kingstone's principal operating subsidiary, KICO, is a New York-domiciled carrier and was the 12th largest writer of homeowners insurance in New York State in 2024. Beyond New York, Kingstone is also licensed to operate in New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine.

Kingstone's reputation appears generally positive, driven by strong financial performance and strategic initiatives. The company achieved record-setting premiums and growth in its core personal lines business, partnered with Snapsheet to enhance claims efficiency, and received an upgrade to "Strong Buy" from Zacks Investment Research. Analyses highlighted Kingstone's solid strategy and successful capitalization on declining competition intensity, with preliminary record Q4 and full-year 2025 results further contributing to a positive brand image.

Kingstone Cos., Inc. has 193 institutional owners and shareholders, holding a total of 8,326,621 shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Renaissance Technologies Llc, Cruiser Capital Advisors, Llc, and Gator Capital Management, LLC. Institutional investors hold 37.05% of shares outstanding, while mutual funds and ETFs hold 19.39%, and public companies and retail investors hold 43.55%. Insiders own 23.29% of the company.