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Kingstone Companies, Inc.

Kingstone Companies, Inc.

NASDAQ•KINS
CEO: Ms. Meryl S. Golden
セクター: Financial Services
業種: Insurance - Property & Casualty
上場日: 1999-10-26
Kingstone Companies, Inc., through its subsidiary, provides property and casualty insurance products to individuals in the United States. It offers personal line of insurance products, such as homeowners and dwelling fire, cooperative/condominiums, renters, and personal umbrella policies. The company also provides for-hire vehicle physical damage only policies for livery and car service vehicles and taxicabs; and canine legal liability policies. In addition, it offers reinsurance products. The company underwrites its products through retail and wholesale agents and brokers. The company was formerly known as DCAP Group, Inc. and changed its name to Kingstone Companies, Inc. in July 2009. Kingstone Companies, Inc. was founded in 1886 and is headquartered in Kingston, New York.
連絡先情報
15 Joys Lane, Kingston, NY, 12401, United States
845-802-7900
www.kingstonecompanies.com
時価総額
$226.92M
PER (TTM)
7.2
12.1
配当利回り
0.9%
52週高値
$22.40
52週安値
$13.08
52週レンジ
32%
順位44Top 53.8%
3.7
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.7 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$55.65M+36.50%
直近4四半期の推移

EPS

$0.77+26.23%
直近4四半期の推移

フリーCF

$25.28M+20.11%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Soars Nine months net income reached $26,007K, reflecting substantial 101.3% increase over prior year period.
Premiums Earned Strong Nine months net premiums earned totaled $137,663K, demonstrating robust 48.8% growth compared to last year.
Investment Income Rises Net investment income for nine months was $6,848K, increasing 39.3% due to higher invested assets.
Balance Sheet Expansion Total assets grew to $428,590K as of September 30, 2025, up from $374,916K year-end 2024.

リスク要因

Quarterly Loss Ratio Worsens Three months net loss ratio increased 5.3 points to 44.3%, driven by severity and prior development.
Underlying Loss Ratio Creeps Nine months underlying loss ratio rose to 48.0%, indicating higher non-catastrophe severity trends impacting profitability.
Operating Expenses Increase Other underwriting expenses rose 25.8% for nine months, driven by increased salaries and employment costs.
Reinsurance Treaty Transitions Personal lines quota share treaty expiring January 1, 2026, requiring renewal negotiations for future coverage structure.

見通し

Five-Year Premium Goal Strategic plan targets $500M in direct written premium over five years, effectively doubling current company size.
Market Dynamics Capture Actively pursuing new business from competitor wind-downs and Withdrawal Plan opportunities in Downstate New York.
Geographic Expansion Planned Prudent growth strategy includes going live in two new states in 2026 and two additional states in 2027.
New CFO Appointment Randy Patten appointed CFO effective August 25, 2025, joining Meryl Golden as key leadership team.

同業比較

売上高 (TTM)

Kingstone Companies, Inc.KINS
$200.55M
+34.0%
C&F Financial CorporationCFFI
$183.79M
+10.1%
OP BancorpOPBK
$166.66M
+8.2%

粗利益率 (最新四半期)

Oak Valley BancorpOVLY
95.9%
+11.9pp
Chain Bridge Bancorp, Inc.CBNA
91.8%
+0.4pp
TriplePoint Venture Growth BDC Corp.TPVG
74.8%
-6.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
OVLY$282.60M11.612.7%0.0%
CFFI$251.09M9.410.8%4.1%
LCNB$249.54M10.78.7%5.3%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
9.7%
安定成長
4四半期純利益CAGR
26.0%
収益性の大幅な改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年3月6日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月12日|
    売上高: $55.65M+36.5%
    |
    EPS: $0.77+26.2%
    予想通り

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月14日|
    売上高: $52.29M+43.3%
    |
    EPS: $0.81+97.6%
    予想通り

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月15日|
    売上高: $50.50M+41.2%
    |
    EPS: $0.29+123.1%
    予想通り

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月18日|
    売上高: $155.14M+7.6%
    |
    EPS: $1.60+380.7%
    予想を上回る

  • Form 10-Q/A - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月19日|
    売上高: $40.77M+19.1%
    |
    EPS: $0.61-284.8%
    予想通り

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|修正版データを参照

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月14日|
    売上高: $36.50M-0.6%
    |
    EPS: $0.41-920.0%
    予想通り

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月15日|
    売上高: $35.77M-2.4%
    |
    EPS: $0.13-127.7%
    予想通り