Kingstone Companies, Inc (KINS) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Greetings and welcome to the Kingstone Company's fourth quarter and full year 2025 earnings conference call. As a reminder, this conference is being recorded. I would now like to turn the call over to your host, Stefan Norbom, Kingstone Investor Relations representative. Thank you. You may begin. Thank you and good morning, everyone. Joining us on the call today will be President and Chief Executive Officer Meryl Golden, Chief Financial Officer Randy Patton, On behalf of the company, I would like to note this conference may contain forward-looking statements which involve known and unknown risks and uncertainties and other factors that may cause actual results to be materially different from projected results. Forward-looking statements speak only as of the date on which they are made, and Kingston undertakes no obligation to update the information discussed. For more information, please refer to the section entitled Risk Factors in Part 1, Item 1A of the company's latest Form 10-K. Additionally, today's remarks may include references to non-GAAP measures. For a reconciliation of these non-GAAP measures to GAAP figures, please see the tables in the latest earnings release available at the company's website at www.kingstonecompanies.com. With that, it's my pleasure to turn the call over to Meryl Holton. Meryl? Thanks, Stephan. Good morning, everyone, and thanks for joining our call. I am delighted to share the results of our most profitable quarter and year in Kingston's history. I want to thank the amazing Kingston team and our select producers for making it possible. Let me start with the headlines. In the fourth quarter, we delivered net income of $14.8 million, diluted earnings per share of $1.03, diluted operating earnings per share of $1.08, a GAAP net combined ...