KINGSTONE COMPANIES, INC.
For the period ended Sep 30, 2025. Filed Nov 12, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 12, 2025
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
KINGSTONE COMPANIES, INC.
INDEX
| PAGE | ||
|---|---|---|
| PART I — FINANCIAL INFORMATION | 4 | |
| Item 1 — | Financial Statements | 4 |
| Condensed Consolidated Balance Sheets at September 30, 2025 (Unaudited) and December 31, 2024 | 5 | |
| Condensed Consolidated Statements of Income and Comprehensive Income (Unaudited) for the three months and nine months ended September 30, 2025 and 2024 | 6 | |
| Condensed Consolidated Statements of Stockholders’ Equity (Unaudited) for the three months and nine months ended September 30, 2025 and 2024 | 9 | |
| Condensed Consolidated Statements of Cash Flows (Unaudited) for the nine months ended September 30, 2025 and 2024 | 11 | |
| Notes to Condensed Consolidated Financial Statements (Unaudited) | 12 | |
| Item 2 — | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 43 |
| Item 3 — | Quantitative and Qualitative Disclosures About Market Risk | 78 |
| Item 4 — | Controls and Procedures | 78 |
| PART II — OTHER INFORMATION | 80 | |
| Item 1 — | Legal Proceedings | 80 |
| Item 1A — | Risk Factors | 80 |
| Item 2 — | Unregistered Sales of Equity Securities and Use of Proceeds | 80 |
| Item 3 — | Defaults Upon Senior Securities | 80 |
| Item 4 — | Mine Safety Disclosures | 80 |
| Item 5 — | Other Information | 80 |
| Item 6 — | Exhibits | 81 |
| Signatures | 82 | |
Forward-Looking Statements
This Quarterly Report contains forward‑looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The events described in forward‑looking statements contained in this Quarterly Report may not occur. Generally, these statements relate to business plans or strategies, projected or anticipated results or other consequences of our plans or strategies, projected or anticipated results from acquisitions to be made by us, or projections involving anticipated revenues, earnings, costs or other aspects of our operating results. The words “may,” “will,” “expect,” “believe,” “anticipate,” “project,” “plan,” “intend,” “estimate,” and “continue,” and their opposites and similar expressions are intended to identify forward‑looking statements. We caution you that these statements are not guarantees of future performance or events and are subject to a number of uncertainties, risks and other influences, many of which are beyond our control, which may influence the accuracy of the statements and the projections upon which the statements are based. Factors which may cause actual results and outcomes to differ materially from those contained in the forward-looking statements include, but are not limited to, the risks and uncertainties discussed in Part I, Item 1A (“Risk Factors”) of our Annual Report on Form 10-K for the year ended December 31, 2024, Part I, Item 2 of this Quarterly Report and Part II, Item 1A of this Quarterly Report.
Any one or more of these uncertainties, risks and other influences could materially affect our results of operations and whether forward‑looking statements made by us ultimately prove to be accurate. Our actual results, performance and achievements could differ materially from those expressed or implied in these forward‑looking statements. We undertake no obligation to publicly update or revise any forward‑looking statements, whether from new information, future events or otherwise except as required by law.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.