Kingstone Companies

KINS

Market cap $215M

Kingstone Companies, Inc. ( KINS ) Q3 2025 Earnings Call November 7, 2025 8:30 AM EST Company Participants Meryl Golden - President, CEO & Director Randy Patten - Chief Financial Officer Conference Call Participants Robert Farnam - Janney Montgomery Scott LLC, Research Division Gabriel McClure Presentation Operator Greetings. Welcome to Kingstone Companies' Third Quarter 2025 Earnings Conference Call.

Direct Premiums Written Grow 14% and Net Income Increases 56% to $10.9 Million Management to Host Conference Call Tomorrow at 8:30 a.m. Eastern Time KINGSTON, N.Y.

KINGSTON, NEW YORK / ACCESS Newswire / October 31, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced that its Board of Directors has declared a quarterly cash dividend of $0.05 per share of common stock. The Company will pay the dividend on November 26, 2025, to stockholders of record at the close of business on November 11, 2025.

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HRTG's strong rebound, disciplined underwriting, and cost-effective reinsurance make it a more compelling pick than KINS for higher returns.

KINGSTON, NEW YORK / ACCESS Newswire / October 16, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) ("Kingstone" or the "Company"), a Northeast regional property and casualty insurance holding company, today announced that it will issue financial results for the third quarter ended September 30, 2025, after the market closes on Thursday, November 6, 2025. Management will host a conference call to discuss the Company's business operations and financial results at 8:30am ET on Friday, November 7, 2025.

Kingstone aims to double in size with $0.5B in premiums, but faces concentration risks despite stronger profitability and expansion plans.

Kingstone Companies is refocusing on homeowners insurance in New York, exiting non-core lines to improve capital efficiency and market understanding. KINS launched a Select homeowners product using advanced underwriting techniques, resulting in ~31% lower claim frequency and a significantly reduced expense ratio since 2021. The company diversified reinsurance by issuing its first catastrophe bond, aiming to reduce loss volatility and strengthen financial resilience.

KINGSTON, NEW YORK / ACCESS Newswire / September 24, 2025 / Kingstone Companies, Inc. (NASDAQ:KINS) (the "Company" or "Kingstone"), a Northeast regional property and casualty insurance holding company, today announced financial guidance for fiscal year 2026 and additional guidance for fiscal year 2025, as follows: Guidance Metrics 2025E 2026E Direct premiums written growth 12% to 17% 15% to 20% Core Business1 direct premiums written growth 15% to 20% NA2 Net premiums earned $187 million $233 million Net combined ratio 79% to 83% 79% to 83% Net income per share - basic $2.10 to $2.50 $2.15 to $2.85 Net income per share - diluted $1.95 to $2.35 $2.10 to $2.80 Return on equity 30% to 38% 26% to 36% 1Kingstone refers to New York business as its "Core" business and business outside of New York as its "Non-Core" business. 2Beginning with the period ending September 30, 2025, the Company will no longer be reporting Core operating results vs.

KINGSTON, NEW YORK / ACCESS Newswire / September 10, 2025 / Kingstone Companies, Inc. (Nasdaq:KINS) ("Kingstone" or the "Company"), a Northeast regional property and casualty insurance holding company, today announced that Meryl Golden, President and Chief Executive Officer, will present at the Sidoti Small-Cap Virtual Conference on Wednesday, September 17, 2025, at 10:45 AM ET. Investors can access the live webcast of the presentation by registering here.