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Side-by-side financial comparison of Black Rock Coffee Bar, Inc. (BRCB) and KINGSTONE COMPANIES, INC. (KINS). Click either name above to swap in a different company.
KINGSTONE COMPANIES, INC. is the larger business by last-quarter revenue ($56.4M vs $51.5M, roughly 1.1× Black Rock Coffee Bar, Inc.). KINGSTONE COMPANIES, INC. runs the higher net margin — 26.2% vs -1.4%, a 27.5% gap on every dollar of revenue. KINGSTONE COMPANIES, INC. produced more free cash flow last quarter ($73.1M vs $-25.8M).
Black Rock Coffee Bar, Inc. is a U.S.-based specialty coffee retail chain that offers handcrafted premium coffee beverages, energy drinks, baked goods, and light snacks. It operates in-store and drive-thru locations primarily across western U.S. states, prioritizing high-quality customizable products and community-focused consumer experiences.
Kingstone Companies, Inc., headquartered in Kingston, New York, provides property and casualty insurance products through its subsidiary, Kingstone Insurance Company. It places contracts with the third-party licensed premium finance company through its subsidiary Payments, Inc., a NYS licensed Insurance Premium Finance Company. Kingstone Insurance Company was ranked #1 of the 81 insurers rated by the Professional Insurance Agents Association in its 2010 Company Performance Survey. The company...
BRCB vs KINS — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $51.5M | $56.4M |
| Net Profit | $-712.0K | $14.8M |
| Gross Margin | — | — |
| Operating Margin | -12.4% | 32.7% |
| Net Margin | -1.4% | 26.2% |
| Revenue YoY | — | 34.0% |
| Net Profit YoY | — | 171.4% |
| EPS (diluted) | $-0.05 | $1.09 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $56.4M | ||
| Q3 25 | $51.5M | $55.7M | ||
| Q2 25 | — | $52.3M | ||
| Q1 25 | — | $50.5M | ||
| Q4 24 | — | $42.1M | ||
| Q3 24 | — | $40.8M | ||
| Q2 24 | — | $36.5M | ||
| Q1 24 | — | $35.8M |
| Q4 25 | — | $14.8M | ||
| Q3 25 | $-712.0K | $10.9M | ||
| Q2 25 | — | $11.3M | ||
| Q1 25 | — | $3.9M | ||
| Q4 24 | — | $5.4M | ||
| Q3 24 | — | $7.0M | ||
| Q2 24 | — | $4.5M | ||
| Q1 24 | — | $1.4M |
| Q4 25 | — | 32.7% | ||
| Q3 25 | -12.4% | 24.6% | ||
| Q2 25 | — | 27.1% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 15.9% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 15.7% | ||
| Q1 24 | — | 5.0% |
| Q4 25 | — | 26.2% | ||
| Q3 25 | -1.4% | 19.5% | ||
| Q2 25 | — | 21.5% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | — | 12.9% | ||
| Q3 24 | — | 17.1% | ||
| Q2 24 | — | 12.4% | ||
| Q1 24 | — | 4.0% |
| Q4 25 | — | $1.09 | ||
| Q3 25 | $-0.05 | $0.74 | ||
| Q2 25 | — | $0.78 | ||
| Q1 25 | — | $0.27 | ||
| Q4 24 | — | $0.44 | ||
| Q3 24 | — | $0.55 | ||
| Q2 24 | — | $0.37 | ||
| Q1 24 | — | $0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $32.6M | — |
| Total DebtLower is stronger | $20.0M | $4.4M |
| Stockholders' EquityBook value | $43.0M | $122.7M |
| Total Assets | $323.2M | $453.4M |
| Debt / EquityLower = less leverage | 0.46× | 0.04× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $32.6M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $4.4M | ||
| Q3 25 | $20.0M | $4.8M | ||
| Q2 25 | — | $5.1M | ||
| Q1 25 | — | $5.4M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | — | $17.3M | ||
| Q2 24 | — | $25.3M | ||
| Q1 24 | — | $25.3M |
| Q4 25 | — | $122.7M | ||
| Q3 25 | $43.0M | $107.7M | ||
| Q2 25 | — | $94.9M | ||
| Q1 25 | — | $82.2M | ||
| Q4 24 | — | $66.7M | ||
| Q3 24 | — | $59.7M | ||
| Q2 24 | — | $40.8M | ||
| Q1 24 | — | $35.7M |
| Q4 25 | — | $453.4M | ||
| Q3 25 | $323.2M | $428.6M | ||
| Q2 25 | — | $393.4M | ||
| Q1 25 | — | $385.4M | ||
| Q4 24 | — | $374.9M | ||
| Q3 24 | — | $347.0M | ||
| Q2 24 | — | $319.8M | ||
| Q1 24 | — | $318.3M |
| Q4 25 | — | 0.04× | ||
| Q3 25 | 0.46× | 0.04× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.17× | ||
| Q3 24 | — | 0.29× | ||
| Q2 24 | — | 0.62× | ||
| Q1 24 | — | 0.71× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-2.9M | $75.9M |
| Free Cash FlowOCF − Capex | $-25.8M | $73.1M |
| FCF MarginFCF / Revenue | -50.2% | 129.5% |
| Capex IntensityCapex / Revenue | 44.5% | 5.0% |
| Cash ConversionOCF / Net Profit | — | 5.14× |
| TTM Free Cash FlowTrailing 4 quarters | — | $124.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $75.9M | ||
| Q3 25 | $-2.9M | $25.9M | ||
| Q2 25 | — | $9.3M | ||
| Q1 25 | — | $17.9M | ||
| Q4 24 | — | $57.9M | ||
| Q3 24 | — | $21.7M | ||
| Q2 24 | — | $7.1M | ||
| Q1 24 | — | $6.1M |
| Q4 25 | — | $73.1M | ||
| Q3 25 | $-25.8M | $25.3M | ||
| Q2 25 | — | $8.7M | ||
| Q1 25 | — | $17.0M | ||
| Q4 24 | — | $55.6M | ||
| Q3 24 | — | $21.0M | ||
| Q2 24 | — | $6.6M | ||
| Q1 24 | — | $5.6M |
| Q4 25 | — | 129.5% | ||
| Q3 25 | -50.2% | 45.4% | ||
| Q2 25 | — | 16.6% | ||
| Q1 25 | — | 33.7% | ||
| Q4 24 | — | 132.1% | ||
| Q3 24 | — | 51.6% | ||
| Q2 24 | — | 18.1% | ||
| Q1 24 | — | 15.5% |
| Q4 25 | — | 5.0% | ||
| Q3 25 | 44.5% | 1.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 5.6% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.5% |
| Q4 25 | — | 5.14× | ||
| Q3 25 | — | 2.38× | ||
| Q2 25 | — | 0.82× | ||
| Q1 25 | — | 4.60× | ||
| Q4 24 | — | 10.65× | ||
| Q3 24 | — | 3.12× | ||
| Q2 24 | — | 1.58× | ||
| Q1 24 | — | 4.27× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
