KINS
BULLISH
$15.08
Live
Kingstone Companies, Inc. · NASDAQ
Target $21.5
(+42.6%)
$13.08
52W Range
$22.4
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 13, 2026
Market cap
$218.31M
P/E
5.24
ROE
43.0%
Profit margin
19.1%
Debt/Equity
0.04
Dividend yield
0.99%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
KINS presents a compelling value-growth opportunity, anchored by a stable Piotroski F-Score of 4/9 and a significant discount to its Graham Number ($23.5) and Intrinsic Value ($84.96). The company has undergone a massive earnings turnaround, evidenced by 149.6% YoY earnings growth and an exceptional ROE of 43.04%. While the current price of $15.08 is deeply undervalued relative to fundamentals, the bearish technical trend and poor liquidity ratios (Quick Ratio 0.18) suggest short-term volatility. Overall, the combination of a low P/E (5.24) and explosive growth outweighs the liquidity concerns.
Key Strengths
Deeply undervalued relative to Graham Number ($23.5) and Intrinsic Value ($84.96)
Exceptional profitability with ROE at 43.04% and Operating Margin at 32.83%
Explosive growth profile with 149.6% YoY earnings growth
Very low leverage with a Debt/Equity ratio of 0.04
Strong recent earnings momentum with significant positive surprises in 2025
Key Risks
Severe liquidity risk indicated by a Quick Ratio of 0.18 and Current Ratio of 0.52
Bearish technical trend (0/100) suggesting lack of market momentum
Historical volatility in earnings with a long track record of misses prior to 2024
Low analyst coverage (only 1 analyst) increasing information risk
Moderate financial health score (Piotroski 4/9) indicating room for operational improvement
AI Fair Value Estimate
Based on comprehensive analysis
$23.5
+55.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
95
88
40
50
45
AI Verdict
Strong Value Play with Liquidity Caveats
Key drivers: Extreme P/E undervaluation, High ROE, Rapid earnings acceleration, Poor short-term liquidity
Confidence
80%
Value
95/100
Ref P/E 5.24, Graham Number $23.5
Positives
- P/E of 5.24 is significantly below sector average
- Trading well below Graham Number of $23.5
Watchpoints
- Price/Book of 1.77 is moderate
Future
88/100
Ref YoY Growth rates
Positives
- 34% Revenue growth
- 149.6% Earnings growth
Watchpoints
- Recent Q/Q EPS growth slight dip (-2.7%)
Past
40/100
Ref 25-quarter earnings track record
Positives
- Successful turnaround in 2024-2025
Watchpoints
- Consistent earnings misses from 2019-2023
Health
50/100
Ref Piotroski F-Score, Current/Quick Ratios
Positives
- Very low Debt/Equity (0.04)
Watchpoints
- Critical liquidity ratios (Quick Ratio 0.18)
- Piotroski F-Score of 4/9
Dividend
45/100
Ref Yield 0.99%, Payout 3.47%
Positives
- Very low payout ratio (3.47%) suggesting room for growth
Watchpoints
- Low dividend yield (0.99%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$15.08
Analyst Target
$21.5
Upside/Downside
+42.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for KINS and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
KINS
Kingstone Companies, Inc.
Primary
|
+94.8% | +1089.7% | -7.4% | +5.8% | -0.3% | +3.7% |
|
HRZN
Horizon Technology Finance Corporation
Peer
|
-48.2% | -39.6% | -32.4% | -15.3% | +8.2% | +5.6% |
|
ATLO
Ames National Corporation
Peer
|
+26.8% | +16.5% | +43.4% | +34.4% | +5.2% | +3.1% |
|
LIEN
Chicago Atlantic BDC, Inc.
Peer
|
-2.3% | +70.6% | -2.4% | -3.3% | -4.1% | -3.5% |
|
AIFU
AIFU Inc.
Peer
|
-99.3% | -98.8% | -75.2% | -67.8% | +11.1% | +4.6% |
KIN
Kingstone Companies, Inc.
Primary
5Y
+94.8%
3Y
+1089.7%
1Y
-7.4%
6M
+5.8%
1M
-0.3%
1W
+3.7%
HRZ
Horizon Technology Finance Corporation
Peer
5Y
-48.2%
3Y
-39.6%
1Y
-32.4%
6M
-15.3%
1M
+8.2%
1W
+5.6%
ATL
Ames National Corporation
Peer
5Y
+26.8%
3Y
+16.5%
1Y
+43.4%
6M
+34.4%
1M
+5.2%
1W
+3.1%
LIE
Chicago Atlantic BDC, Inc.
Peer
5Y
-2.3%
3Y
+70.6%
1Y
-2.4%
6M
-3.3%
1M
-4.1%
1W
-3.5%
AIF
AIFU Inc.
Peer
5Y
-99.3%
3Y
-98.8%
1Y
-75.2%
6M
-67.8%
1M
+11.1%
1W
+4.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
5.24
Forward P/E
5.2
PEG Ratio
N/A
P/B Ratio
1.77
P/S Ratio
1.03
EV/Revenue
0.99
EV/EBITDA
4.03
Market Cap
$218.31M
Profitability
Profit margins and return metrics
Profit Margin
19.15%
Operating Margin
32.83%
Gross Margin
26.41%
ROE
43.04%
ROA
7.5%
Growth
Revenue and earnings growth rates
Revenue Growth
+34.0%
Earnings Growth
+149.6%
Q/Q Revenue Growth
+34.01%
Q/Q Earnings Growth
+171.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.04
Low debt
Current Ratio
0.52
Weak
Quick Ratio
0.18
Poor
Cash/Share
$0.84
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
26.2%
Total Assets
$0.5B
Liabilities
$0.3B
Equity
$0.1B
Debt/Equity
2.69x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2025-11-06
$0.73
+2.8% surprise
2025-08-07
$0.75
+36.4% surprise
2025-05-08
$0.17
Financial Services Sector Comparison
Comparing KINS against 377 companies in the Financial Services sector
(65 bullish, 163 neutral, 149 bearish)
P/E Ratio
5.24
This Stock
vs
50.76
Sector Avg
-89.7%
(Discount)
Return on Equity (ROE)
43.04%
This Stock
vs
-0.32%
Sector Avg
-13705.4%
(Below Avg)
Profit Margin
19.15%
This Stock
vs
64.46%
Sector Avg
-70.3%
(Weaker)
Debt to Equity
0.04
This Stock
vs
1.32
Sector Avg
-97.2%
(Less Debt)
Revenue Growth
34.0%
This Stock
vs
44.75%
Sector Avg
-24.0%
(Slower)
Current Ratio
0.52
This Stock
vs
3.1
Sector Avg
-83.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
KINS
Kingstone Companies, Inc.
|
BULLISH | $218.31M | 5.24 | 43.0% | 19.1% | $15.08 | |
|
HRZN
Horizon Technology Finance...
|
BEARISH | $216.08M | - | -0.8% | -2.8% | $4.52 | Compare |
|
ATLO
Ames National Corporation
|
NEUTRAL | $215.81M | 13.56 | 8.3% | 26.5% | $24.27 | Compare |
|
LIEN
Chicago Atlantic BDC, Inc.
|
NEUTRAL | $210.63M | 6.32 | 11.0% | 61.3% | $9.23 | Compare |
|
AIFU
AIFU Inc.
|
BEARISH | $230.48M | 0.17 | -7.4% | -1.4% | $1.99 | Compare |
KINS
Kingstone Companies, Inc.
BULLISH
Mkt Cap
$218M
P/E
5.2
ROE
43.0%
Price
$15.08
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-03 | CHEN MINLEI | Officer | Stock Award | 8,624 | - |
| 2026-03-03 | CHEN MINLEI | Officer | Stock Award | 8,624 | - |
| 2026-03-03 | CHEN MINLEI | Officer | Option Exercise | 3,333 | $7,499 |
| 2026-03-03 | PATTEN RANDY L | Chief Financial Officer | Stock Award | 3,126 | - |
| 2026-03-03 | BRODSKY VICTOR J | Officer | Stock Award | 6,083 | - |
| 2026-01-09 | GOLDEN MERYL S. | Chief Executive Officer | Stock Award | 41,663 | $27,988 |
| 2026-01-02 | NEWGARDEN THOMAS | Director | Stock Award | 3,149 | - |
| 2026-01-02 | TUPPER FLOYD R | Director | Stock Award | 3,149 | - |
| 2026-01-02 | YANKUS WILLIAM L. | Director | Stock Award | 3,149 | - |
| 2026-01-02 | SINGH MANMOHAN | Director | Stock Award | 7,011 | - |
| 2026-01-02 | PASRICHA PRANAV | Director | Stock Award | 7,011 | - |
CHEN MINLEI
Officer
2026-03-03
8,624 shares
CHEN MINLEI
Officer
2026-03-03
8,624 shares
CHEN MINLEI
Officer
2026-03-03
3,333 shares
·
$7,499
PATTEN RANDY L
Chief Financial Officer
2026-03-03
3,126 shares
BRODSKY VICTOR J
Officer
2026-03-03
6,083 shares
GOLDEN MERYL S.
Chief Executive Officer
2026-01-09
41,663 shares
·
$27,988
NEWGARDEN THOMAS
Director
2026-01-02
3,149 shares
TUPPER FLOYD R
Director
2026-01-02
3,149 shares
YANKUS WILLIAM L.
Director
2026-01-02
3,149 shares
SINGH MANMOHAN
Director
2026-01-02
7,011 shares
PASRICHA PRANAV
Director
2026-01-02
7,011 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning KINS from our newsroom.
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