{"id":1018121,"date":"2026-11-05T23:17:38","date_gmt":"2026-11-06T04:17:38","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/kingstone-reports-third-quarter-2026-results\/"},"modified":"2026-11-05T23:17:38","modified_gmt":"2026-11-06T04:17:38","slug":"kingstone-reports-third-quarter-2026-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/kingstone-reports-third-quarter-2026-results\/","title":{"rendered":"Kingstone Reports Third Quarter 2026 Results"},"content":{"rendered":"
\n

\n
\n Most Profitable Quarter in Company History\u00a0<\/em>
\n <\/strong>
\n
\n
\n Diluted Net Income Per Share of <\/em>
\n <\/strong>
\n
\n $1.19<\/em>
\n <\/strong>
\n
\n | Annualized Return on Equity of <\/em>
\n <\/strong>
\n
\n 53%<\/em>
\n <\/strong>
\n
\n
\n Net Premiums Earned Growth of <\/em>
\n <\/strong>
\n
\n 30%<\/em>
\n <\/strong>
\n
\n | Direct Premiums Written Growth<\/em>
\n <\/strong>
\n
\n
\n 1<\/em>
\n <\/strong>
\n <\/sup>
\n
\n of <\/em>
\n <\/strong>
\n
\n 14.5%<\/em>
\n <\/strong>
\n
\n
\n GAAP Net Combined Ratio of <\/em>
\n <\/strong>
\n
\n 65.6%<\/em>
\n <\/strong>\n <\/p>\n

\n
\n Company Updates 2026 Outlook; Raises and Narrows Diluted EPS Guidance to $2.70 to $2.90<\/em>
\n <\/strong>\n <\/p>\n

\n
\n Management to Host Conference Call Tomorrow at 8:30 a.m. Eastern Time<\/em>
\n <\/strong>\n <\/p>\n

KINGSTON, N.Y., Nov. 05, 2026 (GLOBE NEWSWIRE) — Kingstone Companies, Inc. (Nasdaq: KINS)<\/strong> (\u201cKingstone\u201d or the \u201cCompany\u201d), a regional property and casualty insurance holding company, today announced its financial results for the third quarter ended September\u00a030, 2026. The Company has also provided an investor presentation that can be accessed through the News & Events\/Presentations section of the Company website at www.kingstonecompanies.com<\/a><\/u>.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n Key Financial and Operational Highlights<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Quarters Ended<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n September 30,<\/strong>\n <\/td>\n\n September 30,<\/strong>\n <\/td>\n<\/tr>\n
\n ($ in thousands, except per share data)<\/em>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n<\/tr>\n
Net premiums earned<\/td>\n$<\/td>\n62,412<\/td>\n$<\/td>\n47,925<\/td>\n30.2%<\/td>\n$<\/td>\n178,748<\/td>\n$<\/td>\n137,663<\/td>\n29.8%<\/td>\n<\/tr>\n
Direct premiums written1<\/sup><\/td>\n$<\/td>\n86,795<\/td>\n$<\/td>\n75,810<\/td>\n14.5%<\/td>\n$<\/td>\n228,892<\/td>\n$<\/td>\n195,047<\/td>\n17.4%<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n\u00a0<\/td>\n65.6%<\/td>\n\u00a0<\/td>\n72.7%<\/td>\n(7.1)\u00a0pts<\/td>\n\u00a0<\/td>\n81.7%<\/td>\n\u00a0<\/td>\n79.0%<\/td>\n2.7\u00a0pts<\/td>\n<\/tr>\n
Catastrophe loss ratio<\/td>\n\u00a0<\/td>\n7.5%<\/td>\n\u00a0<\/td>\n0.2%<\/td>\n7.3\u00a0pts<\/td>\n\u00a0<\/td>\n10.4%<\/td>\n\u00a0<\/td>\n0.8%<\/td>\n9.6\u00a0pts<\/td>\n<\/tr>\n
Underlying combined ratio1<\/sup><\/td>\n\u00a0<\/td>\n64.2%<\/td>\n\u00a0<\/td>\n72.5%<\/td>\n(8.3)\u00a0pts<\/td>\n\u00a0<\/td>\n75.1%<\/td>\n\u00a0<\/td>\n78.8%<\/td>\n(3.7)\u00a0pts<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n17,584<\/td>\n$<\/td>\n10,872<\/td>\n61.7%<\/td>\n$<\/td>\n27,246<\/td>\n$<\/td>\n26,007<\/td>\n4.8%<\/td>\n<\/tr>\n
Net income per share – diluted<\/td>\n$<\/td>\n1.19<\/td>\n$<\/td>\n0.74<\/td>\n60.8%<\/td>\n$<\/td>\n1.86<\/td>\n$<\/td>\n1.82<\/td>\n2.2%<\/td>\n<\/tr>\n
Operating net income per share – diluted1<\/sup><\/td>\n$<\/td>\n1.22<\/td>\n$<\/td>\n0.73<\/td>\n67.1%<\/td>\n$<\/td>\n1.93<\/td>\n$<\/td>\n1.68<\/td>\n14.9%<\/td>\n<\/tr>\n
Return on equity – annualized<\/td>\n\u00a0<\/td>\n52.9%<\/td>\n\u00a0<\/td>\n42.9%<\/td>\n10.0\u00a0pts<\/td>\n\u00a0<\/td>\n28.0%<\/td>\n\u00a0<\/td>\n39.8%<\/td>\n(11.8)\u00a0pts<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n 1<\/sup> Refer to section entitled “Definitions and Non-GAAP Measures” included in this press release for definitions and reconciliations of non-GAAP financial measures to the most comparable GAAP measures.<\/sub>
\n <\/em>\n <\/p>\n

\n Management Commentary<\/strong>\n <\/p>\n

Meryl Golden, President and Chief Executive Officer of Kingstone, stated, “I am very pleased to again report the most profitable quarter in Kingstone history. Net income increased 62% to $17.6 million, or $1.19 per diluted share, and our GAAP net combined ratio improved 7.1 points to 65.6%, resulting in an annualized return on equity of 52.9%. Diluted book value per share rose 26% year-over-year to $9.21 despite $9.7 million of after-tax unrealized bond losses in the quarter.<\/p>\n

Net premiums earned rose 30% on premium growth and our reduced quota share and direct premiums written1<\/sup> grew 14.5%, driven by higher average renewal premiums, improved retention and new business growth. Policies in force are now up 11% year-over-year. Our 34.9% net loss ratio included 6.1 points of favorable prior-year reserve development and 7.5 points of catastrophe losses, compared with 0.2 points of catastrophe losses a year ago. Excluding both, our underlying loss ratio1<\/sup> improved 10.6 points to 33.5% on lower claim frequency and severity, supported by the growing mix of business on the Select platform and faster claims cycle times that give us earlier visibility into ultimate claim costs.<\/p>\n

We are updating our 2026 direct premiums written growth outlook to approximately 16%, improving our net combined ratio outlook to 79% to 83%, and raising the midpoint of our diluted earnings per share guidance to $2.80. We will continue to execute with discipline, grow where the returns justify it and allocate capital prudently to deliver long-term value to our shareholders.”<\/p>\n

\n Fiscal Year 2026 Outlook <\/strong>\n <\/p>\n

\n (see \u201cDisclaimer and Forward-Looking Statements\u201d below)<\/em>\n <\/p>\n

The guidance below reflects management\u2019s expectations based on information available as of November\u00a05, 2026 and is subject to the risks and uncertainties described in \u201cDisclaimer and Forward-Looking Statements\u201d below.<\/p>\n\n\n\n\n\n\n\n\n\n
\n Guidance Metrics<\/strong>\n <\/td>\n\n 2026 Previous Estimate<\/strong>\n <\/td>\n\n 2026 Updated Estimate<\/strong>\n <\/td>\n<\/tr>\n
Direct premiums written1,4 <\/sup>growth<\/td>\n16% to 20%<\/td>\n~16%<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n81% to 86%<\/td>\n79% to 83%<\/td>\n<\/tr>\n
Underlying combined ratio1,2 <\/sup>(excluding catastrophe losses and prior-year reserve development)<\/td>\n74% to 76%<\/td>\n74% to 76%<\/td>\n<\/tr>\n
Prior-year reserve development5<\/sup><\/td>\n\u2014%<\/td>\n(3)% to (2)%<\/td>\n<\/tr>\n
Catastrophe loss ratio3<\/sup><\/td>\n7% to 10%<\/td>\n8% to 9%<\/td>\n<\/tr>\n
Net income per share \u2013 diluted<\/td>\n$2.20 to $2.90<\/td>\n$2.70 to $2.90<\/td>\n<\/tr>\n
Return on equity<\/td>\n24% to 30%<\/td>\n29% to 30%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
\n 1<\/sup>Refer to \u201cDefinitions and Non-GAAP Measures\u201d for definitions and reconciliations of non-GAAP financial measures to the most comparable GAAP measures<\/sub>
\n <\/em>
\n
\n .
<\/em>
\n
\n 2<\/sup>The underlying combined ratio is a non-GAAP measure. It is computed as the sum of the underlying loss ratio (which is a non-GAAP measure) and the net underwriting expense ratio. The underlying loss ratio excludes catastrophe losses and prior-year reserve development from the GAAP net loss ratio. The most directly comparable GAAP measure is the net combined ratio. Refer to the section entitled \u201cDefinitions and Non-GAAP Measures\u201d included in this press release for definitions and reconciliations of non-GAAP financial measures. The 2026 estimate of GAAP net combined ratio reflects the estimated underlying combined ratio plus the estimated catastrophe loss ratio, net of favorable prior-year reserve development recognized through September 30, 2026, as shown in the table above. Actual catastrophe losses and any additional prior-year reserve development could materially impact the GAAP measure of net combined ratio.<\/em>
\n <\/sub>
\n
\n
\n
\n 3<\/sup>The catastrophe loss ratio estimate for 2026 of 8% to 9% is above the Company\u2019s six-year historical average of 7.1% (2019\u20132024) and gives effect to the elevated winter storm activity experienced in the first quarter of 2026. Catastrophe losses are reported net of reinsurance recoveries and include loss adjustment expenses. The Company defines catastrophe events consistent with PCS industry designations.<\/em>
\n <\/sub>
\n
\n
\n
\n 4<\/em>
\n <\/sup>
\n Guidance for the most comparable GAAP measure, net premiums earned, is not provided because net premiums earned is an output of multiple variables including direct written premium growth, quota share cession rates, and premium earning patterns, several of which are not within the Company\u2019s direct control; therefore the Company is unable to predict such variables with reasonable certainty without unreasonable efforts.<\/em>
\n <\/sub>
\n
\n
\n
\n 5<\/em>
\n <\/sup>
\n Reflects favorable prior-year reserve development recognized through September 30, 2026, as a percentage of estimated full year net premiums earned. No additional development is assumed for the fourth quarter<\/em>
\n <\/sub>\n <\/p>\n

\n Key Modeling Assumptions<\/strong>\n <\/p>\n

The following reflects certain key modeling assumptions with respect to the full year 2026 guidance:<\/p>\n\n\n\n\n
\n Assumption<\/strong>\n <\/td>\n\n 2026E<\/strong>\n <\/td>\n<\/tr>\n
Assumed effective tax rate<\/td>\n21%<\/td>\n<\/tr>\n
Weighted average diluted shares outstanding<\/td>\n14.8 million<\/td>\n<\/tr>\n<\/table>\n

\n
\n
Consolidated Financial Results<\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n Consolidated Financial Results<\/strong>\n <\/td>\n\n Quarters Ended<\/strong>\n <\/td>\n\n Nine Months Ended<\/strong>\n <\/td>\n<\/tr>\n
\n ($ in thousands, except policy and per share data)<\/em>\n <\/td>\n\n September 30,<\/strong>\n <\/td>\n\n September 30,<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n\n 2026<\/strong>
\n \n <\/td>\n		\n 2025<\/strong>
\n \n <\/td>\n		\n Change<\/strong>\n <\/td>\n<\/tr>\n
Net premiums earned<\/td>\n$<\/td>\n62,412<\/td>\n$<\/td>\n47,925<\/td>\n30.2%<\/td>\n$<\/td>\n178,748<\/td>\n$<\/td>\n137,663<\/td>\n29.8%<\/td>\n<\/tr>\n
Direct premiums written1<\/sup><\/td>\n$<\/td>\n86,795<\/td>\n$<\/td>\n75,810<\/td>\n14.5%<\/td>\n$<\/td>\n228,892<\/td>\n$<\/td>\n195,047<\/td>\n17.4%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Policies in force, at the end of the period<\/td>\n\u00a0<\/td>\n86,579<\/td>\n\u00a0<\/td>\n78,026<\/td>\n11.0%<\/td>\n\u00a0<\/td>\n86,579<\/td>\n\u00a0<\/td>\n78,026<\/td>\n11.0%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net investment income<\/td>\n$<\/td>\n3,756<\/td>\n$<\/td>\n2,499<\/td>\n50.3%<\/td>\n$<\/td>\n10,522<\/td>\n$<\/td>\n6,848<\/td>\n53.7%<\/td>\n<\/tr>\n
Net (losses) gains on investments<\/td>\n$<\/td>\n(550)<\/td>\n$<\/td>\n182<\/td>\nNM<\/td>\n$<\/td>\n(1,325)<\/td>\n$<\/td>\n591<\/td>\n(324.2)%<\/td>\n<\/tr>\n
Gain on sale of real estate<\/td>\n$<\/td>\n\u2014<\/td>\n$<\/td>\n\u2014<\/td>\n\u2014%<\/td>\n$<\/td>\n\u2014<\/td>\n$<\/td>\n1,966<\/td>\n(100.0)%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loss ratio<\/td>\n\u00a0<\/td>\n34.9%<\/td>\n\u00a0<\/td>\n44.3%<\/td>\n(9.4)\u00a0pts<\/td>\n\u00a0<\/td>\n51.1%<\/td>\n\u00a0<\/td>\n48.2%<\/td>\n2.9\u00a0pts<\/td>\n<\/tr>\n
Net underwriting expense ratio<\/td>\n\u00a0<\/td>\n30.7%<\/td>\n\u00a0<\/td>\n28.4%<\/td>\n2.3\u00a0pts<\/td>\n\u00a0<\/td>\n30.6%<\/td>\n\u00a0<\/td>\n30.8%<\/td>\n(0.2)\u00a0pts<\/td>\n<\/tr>\n
Net combined ratio<\/td>\n\u00a0<\/td>\n65.6%<\/td>\n\u00a0<\/td>\n72.7%<\/td>\n(7.1)\u00a0pts<\/td>\n\u00a0<\/td>\n81.7%<\/td>\n\u00a0<\/td>\n79.0%<\/td>\n2.7\u00a0pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net loss ratio<\/td>\n\u00a0<\/td>\n34.9%<\/td>\n\u00a0<\/td>\n44.3%<\/td>\n(9.4)\u00a0pts<\/td>\n\u00a0<\/td>\n51.1%<\/td>\n\u00a0<\/td>\n48.2%<\/td>\n2.9\u00a0pts<\/td>\n<\/tr>\n
Catastrophe loss ratio<\/td>\n\u00a0<\/td>\n7.5%<\/td>\n\u00a0<\/td>\n0.2%<\/td>\n7.3\u00a0pts<\/td>\n\u00a0<\/td>\n10.4%<\/td>\n\u00a0<\/td>\n0.8%<\/td>\n9.6\u00a0pts<\/td>\n<\/tr>\n
Net loss ratio excluding the effect of catastrophes1<\/sup><\/td>\n\u00a0<\/td>\n27.4%<\/td>\n\u00a0<\/td>\n44.1%<\/td>\n(16.7)\u00a0pts<\/td>\n\u00a0<\/td>\n40.7%<\/td>\n\u00a0<\/td>\n47.4%<\/td>\n(6.7)\u00a0pts<\/td>\n<\/tr>\n
Effect of prior-year favorable reserve development<\/td>\n(6.1)%<\/td>\n\u00a0<\/td>\n\u2014%<\/td>\n(6.1)\u00a0pts<\/td>\n(3.8)%<\/td>\n(0.6)%<\/td>\n(3.2)\u00a0pts<\/td>\n<\/tr>\n
Underlying loss ratio1<\/sup><\/td>\n\u00a0<\/td>\n33.5%<\/td>\n\u00a0<\/td>\n44.1%<\/td>\n(10.6)\u00a0pts<\/td>\n\u00a0<\/td>\n44.5%<\/td>\n\u00a0<\/td>\n48.0%<\/td>\n(3.5)\u00a0pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income<\/td>\n$<\/td>\n17,584<\/td>\n$<\/td>\n10,872<\/td>\n61.7%<\/td>\n$<\/td>\n27,246<\/td>\n$<\/td>\n26,007<\/td>\n4.8%<\/td>\n<\/tr>\n
Net income per share – basic<\/td>\n$<\/td>\n1.21<\/td>\n$<\/td>\n0.77<\/td>\n57.1%<\/td>\n$<\/td>\n1.88<\/td>\n$<\/td>\n1.88<\/td>\n\u2014%<\/td>\n<\/tr>\n
Net income per share – diluted<\/td>\n$<\/td>\n1.19<\/td>\n$<\/td>\n0.74<\/td>\n60.8%<\/td>\n$<\/td>\n1.86<\/td>\n$<\/td>\n1.82<\/td>\n2.2%<\/td>\n<\/tr>\n
Return on equity – annualized<\/td>\n\u00a0<\/td>\n52.9%<\/td>\n\u00a0<\/td>\n42.9%<\/td>\n10.0\u00a0pts<\/td>\n\u00a0<\/td>\n28.0%<\/td>\n\u00a0<\/td>\n39.8%<\/td>\n(11.8)\u00a0pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Adjusted EBITDA1<\/sup><\/td>\n$<\/td>\n24,378<\/td>\n$<\/td>\n14,671<\/td>\n66.2%<\/td>\n$<\/td>\n40,170<\/td>\n$<\/td>\n33,710<\/td>\n19.2%<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Other comprehensive (loss) income, net of tax<\/td>\n$<\/td>\n(9,690)<\/td>\n$<\/td>\n2,186<\/td>\nNM<\/td>\n$<\/td>\n(12,130)<\/td>\n$<\/td>\n5,431<\/td>\n(323.3)%<\/td>\n<\/tr>\n
Operating net income1<\/sup><\/td>\n$<\/td>\n18,019<\/td>\n$<\/td>\n10,729<\/td>\n67.9%<\/td>\n$<\/td>\n28,293<\/td>\n$<\/td>\n23,988<\/td>\n17.9%<\/td>\n<\/tr>\n
Operating net income per share – basic1<\/sup><\/td>\n$<\/td>\n1.24<\/td>\n$<\/td>\n0.76<\/td>\n63.2%<\/td>\n$<\/td>\n1.96<\/td>\n$<\/td>\n1.73<\/td>\n13.3%<\/td>\n<\/tr>\n
Operating net income per share – diluted1<\/sup><\/td>\n$<\/td>\n1.22<\/td>\n$<\/td>\n0.73<\/td>\n67.1%<\/td>\n$<\/td>\n1.93<\/td>\n$<\/td>\n1.68<\/td>\n14.9%<\/td>\n<\/tr>\n
Operating return on equity1<\/sup><\/td>\n\u00a0<\/td>\n13.6%<\/td>\n\u00a0<\/td>\n10.6%<\/td>\n3.0\u00a0pts<\/td>\n\u00a0<\/td>\n21.8%<\/td>\n\u00a0<\/td>\n27.5%<\/td>\n(5.7)\u00a0pts<\/td>\n<\/tr>\n
Operating return on equity1<\/sup>– annualized<\/td>\n\u00a0<\/td>\n54.2%<\/td>\n\u00a0<\/td>\n42.4%<\/td>\n11.8\u00a0pts<\/td>\n\u00a0<\/td>\n29.1%<\/td>\n\u00a0<\/td>\n36.7%<\/td>\n(7.6)\u00a0pts<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Book value per share, at the end of the period – diluted<\/td>\n$<\/td>\n9.21<\/td>\n$<\/td>\n7.28<\/td>\n26.5%<\/td>\n<\/tr>\n
Book value per share, at the end of the period – diluted excluding AOCI1<\/sup><\/td>\n$<\/td>\n10.43<\/td>\n$<\/td>\n7.74<\/td>\n34.9%<\/td>\n<\/tr>\n<\/table>\n

\n
\n
\n
NM = Not meaningful<\/em>
\n <\/sub>
\n
\n
\n
\n 1<\/em>
\n <\/sup>
\n Refer to section entitled “<\/em>
\n Definitions and Non-GAAP Measures” included in this press release for definitions and reconciliations of non-GAAP financial measures to the most comparable GAAP measures.<\/em>
\n <\/sub>\n <\/p>\n

\n Conference Call Details<\/strong>\n <\/p>\n

Friday, November\u00a06, 2026, at 8:30 a.m. Eastern Time<\/p>\n

To participate please dial:<\/p>\n

U.S. toll free\u00a01-877-407-2991
International 1-201-389-0925<\/p>\n

Participants are asked to dial-in approximately 10 minutes before the conference call is scheduled to begin. The conference call will also be available via live webcast on the Company\u2019s website under the News & Events\/Presentations section at www.kingstonecompanies.com<\/a><\/u>. A replay will be available for 30 days.<\/p>\n

\n About Kingstone Companies, Inc.<\/strong>\n <\/p>\n

Kingstone is a regional property and casualty insurance holding company whose principal operating subsidiaries write business through retail and wholesale agents and brokers. Kingstone delivers tailored homeowners insurance solutions through its sophisticated product suite, Select, supported by a scalable and efficient operating platform that enables the Company to pursue significant market opportunities and strategic expansion. Kingstone was the 11th largest writer of homeowners insurance in New York in 2025 and is diversifying its geographic footprint by writing in Connecticut on an admitted basis and California on a non-admitted basis.<\/p>\n

\n Investor Relations Contact:<\/strong>
\n
Elevate IR
KINS@elevate-ir.com<\/u><\/a>
720-330-2829<\/p>\n

\n
\n Disclaimer and Forward-Looking Statements<\/em>
\n <\/strong>\n <\/p>\n

\n The guidance provided above is based on information available as of <\/em>
\n November\u00a05, 2026<\/em>
\n and management’s review of the anticipated financial results for 2026. Such guidance remains subject to change based on management’s ongoing review of the Company’s 2026 results and is a forward-looking statement (see below). Kingstone assumes no obligation to update this guidance. The actual results may be materially different and are affected by the risk factors and uncertainties identified in this press release and in Kingstone’s annual and quarterly filings with the Securities and Exchange Commission. <\/em>\n <\/p>\n

\n This press release may contain \u201cforward-looking statements\u201d within the meaning of the Private Securities Litigation Reform Act of 1995. All statements, other than statements of historical facts, may be forward-looking statements. These statements are based on management\u2019s current expectations and are subject to uncertainty and changes in circumstances. These statements involve risks and uncertainties that could cause actual results to differ materially from those included in forward-looking statements due to a variety of factors. For more details on factors that could affect expectations, see Part I, Item 1A of o<\/em>
\n ur Annual Report on Form 10-K for the year ended December 31, 2025. <\/em>\n <\/p>\n

\n The risks and uncertainties include, without limitation, the following:<\/em>\n <\/p>\n