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Kingstone Companies, Inc. reported a sharp turnaround to a loss in the first quarter of 2026. Net premiums earned rose to $55.9 million from $43.5 million and total revenues increased to $59.8 million from $50.5 million, reflecting strong premium growth.
Despite higher revenue, Kingstone recorded a net loss of $5.8 million, compared with net income of $3.9 million a year earlier, as loss and loss adjustment expenses climbed to $45.6 million from $27.2 million and investment results swung to $1.0 million in net losses. Comprehensive results moved to a $7.9 million loss. Total assets reached $465.3 million, stockholders’ equity was $114.5 million, and the company generated $8.7 million of operating cash flow while paying a $0.05 per-share dividend.
Kingstone Companies, Inc. reported first quarter 2026 results showing a net loss of $5.8 million, or $(0.40) per diluted share, as eleven winter catastrophe events drove a GAAP net combined ratio of 112.0%. Net premiums earned rose 28.4% to $55.9 million, and direct premiums written grew 19.6% to $69.6 million, reflecting strong top-line momentum. Excluding catastrophes and prior-year reserve development, the underlying combined ratio improved to 88.3% from 93.4%, highlighting better core underwriting and expense control. Management reaffirmed full-year 2026 guidance, including direct premiums written growth of 16%–20%, a net combined ratio of 81%–86%, diluted net income per share of $2.20–$2.90, and return on equity of 24%–30%, while assuming a catastrophe loss ratio of 7%–10%.
Kingstone Companies, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.05 per share on its common stock. The dividend will be paid on May 26, 2026 to stockholders of record as of the close of business on May 11, 2026.
Kingstone is a regional property and casualty insurance holding company whose main subsidiary, Kingstone Insurance Company, focuses on homeowners insurance. The company writes business primarily in New York and several other Northeastern states through retail and wholesale agents and brokers.
Kingstone Companies, Inc. has extended President and CEO Meryl Golden’s employment term through January 10, 2029 under a Fourth Amended and Restated Employment Agreement effective January 11, 2027. Her annual base salary remains $550,000, with an annual bonus equal to 3% of consolidated income from operations before taxes, capped at 1.25× her base salary.
Under certain conditions, she may receive severance equal to her base salary and 3% bonus for the remaining term, or 1.5× salary plus accrued 3% bonus after a change of control. She is also eligible for grants of 40,000 shares of restricted stock in each of January 2027 and January 2028, or equivalent cash if grants cannot be made. The Board cited her leadership in returning Kingstone to record profitability and highlighted a 2029 goal of $500 million in direct written premium.
Kingstone Companies, Inc. Chief Accounting Officer Victor J. Brodsky reported routine equity-related movements in company stock. On April 15, he had 2,453 shares of Common Stock withheld at $16.61 per share to cover withholding taxes on a vested stock grant, a non-market, tax-withholding disposition. After this event, he directly held 62,341 shares, which include 14,055 shares from unvested restricted stock grants scheduled to vest in tranches through 2028. He also reported 15,000 shares held indirectly in an IRA, reflecting a separate long-term position.
Kingstone Companies, Inc. director William L. Yankus sold 13,500 shares of Common Stock at $18.00 per share in an open-market transaction. After this sale, he directly holds 84,972 shares, including 3,149 unvested shares received as director fees. The sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on September 8, 2025, indicating the trade was scheduled in advance rather than timed discretionarily.
Kingstone Companies, Inc. plans to release its financial results for the first quarter ended March 31, 2026 after the market closes on May 7, 2026. Management will then hold a conference call on May 8, 2026 at 8:30 a.m. ET to discuss business operations and first quarter results.
The call will be accessible via U.S. toll-free and international dial-in numbers and through a webcast in the Investor Relations section of the company’s website. A replay of the webcast will be available for about 30 days, giving investors extended access to management’s commentary.
Kingstone Companies, Inc. released a shareholder letter highlighting record 2025 results and a disciplined expansion into California’s excess and surplus homeowners market. Net income more than doubled to $40.8 million, diluted EPS rose 95% to $2.88, and the combined ratio improved to 75%, driving a 43% return on equity. Since year-end 2023, direct premiums written grew 39% while the combined ratio improved by 30 points, which management describes as structural rather than weather-driven. The company targets $500 million in written premium by year-end 2029 and plans to enter California in Q2 2026 on an E&S basis, initially keeping California under 5% of 2026 premium and ceding a 30% quota share on that business.
KINGSTONE COMPANIES, INC. Chief Actuary and Senior VP Minlei Chen reported compensation-related equity transactions. On March 3, 2026, Chen exercised stock options covering 3,333 shares of common stock at $2.25 per share and received a restricted stock grant of 8,624 common shares.
To cover withholding taxes on the vested stock grant, 1,512 shares were withheld, recorded as a tax-withholding disposition rather than an open-market sale. After these transactions, Chen directly owned 39,786 shares of common stock. Footnotes state that this total includes 16,060 unvested restricted shares scheduled to vest in tranches between June 18, 2026 and March 3, 2028.