Kingsway Financial Services Inc (KFS) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.899 Good day and welcome to the Kingsway First Quarter 2026 Earnings Call. 00:00:05.899 -- 00:00:09.784 At this time, all participants are in a listen-only mode. 00:00:09.784 -- 00:00:14.190 A question and answer session will follow the formal presentation. 00:00:14.190 -- 00:00:16.432 Please note this conference is being recorded. 00:00:16.432 -- 00:00:21.779 With me on the call are J.T. Fitzgerald, Chief Executive Officer, 00:00:21.779 -- 00:00:27.131 and Kent Hansen, Chief Financial Officer. Before we begin, I want to remind 00:00:27.131 -- 00:00:31.678 everyone that today's conference call may contain forward-looking statements. 00:00:31.678 -- 00:00:36.205 Forward-looking statements include statements regarding the future including expected 00:00:36.205 -- 00:00:41.793 revenue, operating margins, expenses, and future business outlook. 00:00:41.793 -- 00:00:47.422 Actual results of trends could materially differ from those contemplated by those forward-looking 00:00:47.422 -- 00:00:52.462 statements. For a discussion of such risks and uncertainties which could 00:00:52.462 -- 00:00:57.089 cause actual results to differ from those expressed or implied in the forward-looking 00:00:57.089 -- 00:01:02.157 statements, please see the risk factors detailed in the company's annual report on the 00:01:02.157 -- 00:01:07.545 Forms 10-K and subsequent Forms 10-Q and Forms 8-K 00:01:07.545 -- 00:01:11.345 filed with the Securities and Exchange Commission. 00:01:11.345 -- 00:01:16.692 Please note also that today's call may include the use of non-GAAP metrics that management 00:01:16.692 -- 00:01:20.077 utilizes to analyze the company's performance. 00:01:20.077 -- 00:01:25.444 A reconciliation of such non-GAAP metrics to the most comparable GAA...