Kingstone is a northeast regional property and casualty insurance holding company focused on personal lines and commercial auto insurance in New York. The company achieved record-setting premiums and a 40% growth rate in its core personal lines business during Q3 2024, attributed to the exit of two competitors in New York.
Cyborg Score Rationale
Kingstone reported preliminary Q4 2025 EPS of $1.03-$1.08 versus $0.46 last year, demonstrating strong profitability growth. The company's stock has experienced a notable increase with 55% growth over the past year. However, as a micro-cap insurer, capital constraints and regional concentration limit upside potential.
Top Insights
Record profitability in Q4 2025 with preliminary EPS of $1.03-$1.08 vs $0.46 in Q4 2024
Benefiting from competitor exits in New York market providing significant growth runway
Maintaining quarterly dividend of $0.05 per share demonstrating capital return strategy
Analyst price target of $21.93 suggests 33% upside from current levels
Named Competitors
Heritage Insurance Holdings — Regional property and casualty insurer
HCI Group — Regional homeowners and commercial insurance provider
Universal Insurance Holdings — Regional property and casualty insurance provider
Recent Developments
(February 2026) Record profitability reported with strong premium growth and Q4 EPS guidance of $1.03-$1.08
(February 2026) Wall Street Zen upgraded KINS from Hold to Buy rating
(November 2025) Q3 2025 EPS of $0.74 exceeded analyst estimate of $0.61
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