Kingstone Companies (KINS)
Insures New York homes and related personal property risks through appointed producers.
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Built around KICO, the New York carrier's business is concentrated in personal-lines property insurance. Policies are distributed through appointed producers and depend on underwriting, claims, reinsurance, catastrophe management, and New York conditions.
Centered on KICO, the insurance business writes personal lines in New York through retail and wholesale agents and brokers. Its product mix includes homeowners, dwelling fire, cooperative/condominium, renters, and personal umbrella coverage, alongside livery physical-damage policies and commercial-auto insurance.
Operations are concentrated in New York, even as KICO holds licenses in several Northeastern states. The systems and underwriting overhaul and the later in-force optimization program have focused the carrier on pricing, underwriting quality, claims operations, cost control, and catastrophe exposure.
Distribution depends on appointed producers, while the business also depends on New York regulation and catastrophe conditions, underwriting and rating discipline, claims execution, and reinsurance and catastrophe-risk management.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $330.85B · Total debt $3.80B · Total assets $477.93B · Shareholders' equity $129.16B
- Revenue
- $65.9M
- Operating income
- $19.5M
- Net income
- $15.5M
HistoryDividendAnnual yield
| Institutions | ≈ 53.89% | 7.81M shares | |
|---|---|---|---|
| 113 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 12.73% | 1.84M shares | |
| 14 holders · as of Aug 26, 2026 | |||
| Other | ≈ 33.38% | 4.84M shares | |
| remainder | |||
14.48M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Gregory FortunoffInsider | 5.86% | 848,650 | filed Mar 12, 2026 |
BlackRock, Inc.Institution | 5.73% | 830,266 | as of Jun 30, 2026 |
Royce & Associates LPInstitution | 4.22% | 611,067 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.46% | 501,114 | as of Jun 30, 2026 |
American Century Companies IncInstitution | 2.70% | 390,632 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 28, 2026 | Thomas Newgarden | director | +6,000 | $15.50 |
| May 29, 2026 | Thomas Newgarden | director | +8,000 | $14.99 |
| May 12, 2026 | Thomas Newgarden | director | +15,301 | $14.52 |
| May 13, 2026 | Thomas Newgarden | director | +15,201 | $14.36 |
| Apr 16, 2026 | William L. Yankus | director | −13,500 | $18.00 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Kingstone Companies | $19.01 | −0.10% | $275.6M | 7.9 | 6.6 | 1.2 | +38.6% |
| Allstate | $229.65 | +0.07% | $59.08B | 4.6 | 8.2 | 0.9 | −7.2% |
| Travelers | $365.01 | +0.83% | $75.51B | 9.7 | 12.2 | 1.5 | −4.8% |
| Erie Indemnity | $229.58 | −2.05% | $10.83B | 21.3 | — | 2.6 | +2.8% |
| Progressive | $206.61 | −0.16% | $120.31B | 10.4 | 12.5 | 1.3 | +5.0% |
| Lemonade | $45.33 | −4.96% | $3.66B | — | — | 3.9 | +79.4% |
| Median | 10.0 | 12.2 | 1.5 | +2.8% |