KINGSTONE COMPANIES INC (KINS)
Financials · Regional property and casualty insurance · NASDAQ
A regional New York-focused property and casualty insurer specializing in homeowners and commercial auto coverage, expanding strategically into new markets while managing concentrated geographic risk through reinsurance.
What KINGSTONE COMPANIES INC does
Kingstone Companies is a regional property and casualty insurance provider operating through its subsidiary, Kingstone Insurance Company (KICO), which writes personal lines homeowners and commercial auto insurance primarily in New York through retail and wholesale agents. The company generates revenue from earned premiums, net investment income, and ceding commissions from quota share reinsurance arrangements. KICO was the 12th largest writer of homeowners insurance in New York as of 2024 and operates through its general agency subsidiary Cosi to access alternative distribution channels.
Themes: property and casualty insurance, homeowners insurance, commercial auto insurance, catastrophe reinsurance, regional insurance carrier
Fundamentals
- Price$19.83 as of 2026-08-21 close
- Market cap$287M as of 2026-08-21
- 1-year return+41.3% 2025-08-21 close $14.03 → 2026-08-21 close $19.83
- P/E9.07 as of 2026-08-24
- Net margin+13.9% as of 2026-08-24
- ROE+28.3% as of 2026-08-24
- Debt / equity0.04 as of 2026-08-24
- Revenue growth (YoY)+31.9% as of 2026-08-24
- Revenue CAGR (3y)+18.2% SEC XBRL
- Beta0.43 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.2%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
How KINS compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, KINS's dividend was covered by reported results (earnings payout 3%, free-cash-flow payout 2%). This describes past coverage, not a forecast.
- Earnings payout3% dividends / net income
- Free-cash-flow payout2% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How KINGSTONE COMPANIES INC looks technically
KINGSTONE COMPANIES INC (KINS) is trading 19.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 153 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 12 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 10% of the past ~6 months), which often precedes a bigger move.
Trend
7
| Distance from the 200-day | it is trading 19.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +19.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $19.13 | $19.13 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $16.56 | $16.56 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 153 trading days ago — a "golden cross", a bullish long-term signal | 153 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 17.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 53, neither overbought (above 70) nor oversold (below 30) | 53.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($18.50 to $20.90) — its "stochastic" reading is 55 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 55.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 27 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $20.90 | $20.90 |
|---|---|---|
| From the 52-week high | it is 5.1% below its 52-week high (its highest price of the past year) | -5.1% |
| Above the 52-week low | it is 51.6% above its 52-week low (its lowest price of the past year) | +51.6% |
| Below the 52-week high | it is 5.1% below its highest point of the past year | 5.1% |
| Since a 20-day breakout | it made a new 20-day high about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 12 trading days ago | 12 sessions |
| All-time high | its highest closing price on record is $22.40 (set on 2025-05-12) | $22.40 |
| Given back of the 52-week move | over the past year its closes ranged ($13.21 to $20.80), and it has given back only a small part of its rise from last year’s low — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $15.87 to $16.11. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 12.8% |
| From the all-time high | it is 11.5% below its all-time high | -11.5% |
| Nearest price level | it is trading 2.7% above a support level at $19.30 — a price it turned at twice since 2025-02-18, most recently on 2026-04-16. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.7% |
| All-time low | its lowest closing price on record is $0.04 (set on 2009-03-18) | $0.04 |
| Above the all-time low | it is 49475.0% above its all-time low | +49,475% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 10% of the past ~6 months), which often precedes a bigger move | 10th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6866 between its high and its low — about 3.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6866 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.95 and $20.76 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $18.95 – $19.86 – $20.76 |
| Typical daily range (% of price) | its price moves about 3.5% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.5% |
| Stretch from the 200-day average | it is trading 4.8 daily ranges above its 200-day average price (19.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.73× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 11.6% since the prior reading | +11.6% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +1.1% |
|---|---|---|
| Open gap | it gapped 2.5% above the previous close 48 sessions ago and has not traded back through the level it left behind at 15.54 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.5% |
| Gap filled | a 2.2% gap down opened on 2026-07-06 has been "filled" 34 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 34 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.7 percentage points (the stock lost 0.4% while the market gained 2.3%) | -2.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 20.9 percentage points (the stock gained 24.0% while the market gained 3.1%) | +20.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 13.7 percentage points (the stock gained 24.7% while the market gained 11.1%) | +13.7% |
| vs market, 12 months | over the past 12 months this stock beat the market by 20.9 percentage points (the stock gained 41.3% while the market gained 20.5%) | +20.9% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 8.3% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +4.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 17% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $16.91 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +17.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is sitting right on the average price paid since it last reported on 2026-07-16 (its 8-K), so the typical buyer over that stretch is roughly break-even. That average is $19.77 — a volume-weighted average of daily closes over 27 sessions, not a true tick-by-tick VWAP. | +0.3% |
Price levels it has turned at before
KINS last closed at $19.83 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $19.30 | Support | 2.7% below the last close | turned there twice · 2025-02-18 to 2026-04-16 |
| $18.89 | Support | 4.8% below the last close | turned there twice · 2025-02-07 to 2026-07-23 |
| $20.84 | Resistance | 5.1% above the last close | turned there twice · 2026-07-07 to 2026-08-06 |
| $17.89 | Support | 9.8% below the last close | turned there four times · 2024-12-06 to 2025-12-23 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Analyst price target recently RAISED · beating the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.00 mean, 1=Strong Buy…5=Strong Sell) — 1 analyst
- Mean price target$24.00 range $24.00 – $24.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for KINS
- Consensus EPS estimate$0.87 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentrated geographic exposure: 98% of direct written premiums from New York policies, creating vulnerability to state-specific catastrophic events and regulatory changes","Catastrophic loss exposure: Despite increased reinsurance coverage to $440 million effective July 2025, major hurricanes or natural disasters could exceed coverage limits and materially impact results","Competitive pressure and market consolidation: Competitor withdrawals (e.g., AmGuard's $70 million premium exit from downstate NY) and ongoing consolidation in regional insurance markets could limit growth opportunities"]
What changed in the latest 10-Q
AI-assisted comparison of KINS's 10-Q filed 2026-05-08 against the prior one filed 2025-11-12.
Management's Discussion & Analysis (MD&A)
- Added:
- KAIC (Kingstone America Insurance Company) was licensed to write property and casualty insurance by Connecticut on May 1, 2026, with expectation to begin writing policies in latter part of 2026 (filed 2026-05-08)
- Cosi became licensed in California in April 2026, with expectation to expand underwriting operations to California during 2026 (filed 2026-05-08)
- Description of KAIC as wholly-owned subsidiary (filed 2026-05-08)
- Characterization of Cosi as wholly-owned subsidiary rather than just subsidiary (filed 2026-05-08)
- Removed:
- Statement that KICO 'in 2024 was the 12th largest writer of homeowners insurance in New York' (filed 2025-11-12)
- Percentage breakdowns for three-month and nine-month periods ended September 30, 2025 and 2024 (filed 2025-11-12)
- Partial definition text for 'Net loss ratio excluding the effect of catastrophes' that appears truncated in older filing (filed 2025-11-12)
- Reworded:
- Changed from 'in 2024 was the 12th largest writer' to 'in 2025 was the 11th largest writer' (filed 2026-05-08)
- Changed from 'For the three months ended September 30, 2025 and 2024 respectively, 98.0% and 96.3%' to 'For the three months ended March 31, 2026 and 2025, respectively, 98.7% and 98.3%' (filed 2026-05-08)
- Removed nine-month period statistics entirely, replaced with three-month period only (filed 2026-05-08)
- Changed from 'our subsidiary, Cosi Agency' to 'our wholly-owned subsidiary, Cosi Agency' (filed 2026-05-08)
- Reordered product line sections: moved 'Livery physical damage' before 'Commercial liability' in newer filing; older filing has reverse order (filed 2026-05-08)
- Changed commercial liability reserve percentage from 'approximately 11.3%' to 'approximately 9.9%' (filed 2026-05-08)
- Changed date reference from 'As of September 30, 2025 and December 31, 2024' to 'As of March 31, 2026 and December 31, 2025' (filed 2026-05-08)
- Terminology change from 'Direct written premiums, net premiums written' to 'Direct premiums written, net premiums written' in section heading (filed 2026-05-08)
- Terminology change from 'Direct written premiums represent' to 'Direct premiums written is a non-GAAP measure, which represent' (filed 2026-05-08)
- Terminology change from 'Net written premiums are' to 'Net premiums written is a non-GAAP measure, which are' (filed 2026-05-08)
- Added descriptor 'GAAP measure of' before 'the underwriting profitability' in Net loss ratio definition (filed 2026-05-08)
- Notes:
- The older filing MD&A section appears truncated at the end (text cuts off mid-sentence in 'Net loss ratio excluding the effect of catastrophes' definition), so completeness of comparison for that section cannot be fully assessed
- The two filings cover different fiscal periods (March 31, 2026 vs. September 30, 2025), which accounts for some differences in metrics and data presented
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
2 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 90 days2 buys ($212958) · 0 sells — 1 buying insider
- Last 180 days4 buys ($653414) · 1 sell ($243000) — 1 buying, 1 selling insiders
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-05-29. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about KINS's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding KINS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,405,757
- Reported value $20,481,880
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
KINS had 329,864 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
KINS had 2.28% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.13 days to cover at the same settlement.
- Reported short interest (shares) 329,864
- Short interest (% of shares outstanding) 2.28%
- Prior settlement (shares) 328,780
- Reported change 0.33%
- Days to cover (reported) 3.13
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Allstate (ALL)
- State Farm
- Travelers (TRV)
- American Financial Group (AFG)
- Homeowners Choice (HCI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does KINGSTONE COMPANIES INC (KINS) do?
Kingstone Companies is a regional property and casualty insurance provider operating through its subsidiary, Kingstone Insurance Company (KICO), which writes personal lines homeowners and commercial auto insurance primarily in New York through retail and wholesale agents. The company generates revenue from earned premiums, net investment income, and ceding commissions from quota share reinsurance arrangements.
What sector is KINGSTONE COMPANIES INC (KINS) in?
KINGSTONE COMPANIES INC (KINS) is classified in the Financials sector. Its industry is Regional property and casualty insurance. It trades on NASDAQ.
Does KINS pay a dividend?
Yes — KINGSTONE COMPANIES INC (KINS) pays a dividend, with an indicated yield of about 5.25% and 1-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-08-24). Informational only — not financial advice.
Who are KINGSTONE COMPANIES INC's (KINS) competitors?
Notable peers of KINGSTONE COMPANIES INC (KINS) include Allstate, State Farm, Travelers, American Financial Group and Homeowners Choice. This peer set is informational only — not financial advice.
Is KINGSTONE COMPANIES INC (KINS) overbought or oversold right now?
KINGSTONE COMPANIES INC (KINS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 53, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on KINS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.