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NODK • CIK 0001681206
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Premiums Earned, Net | $351,137 | $310,110 | $270,655 | $250,283 |
| Other Income | $1,978 | $1,938 | $997 | $925 |
| Investment Income, Net | $10,456 | $10,943 | $11,702 | $11,183 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $-4,263 | $10,145 | $-12,329 | $11,186 |
| Income Tax Expense (Benefit) | $963 | $3,545 | $-1,916 | $3,354 |
| Revenues | $365,695 | $325,204 | $285,050 | $267,395 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $-5,226 | $6,600 | $-10,413 | $7,832 |
| Net Income (Loss) Attributable to Noncontrolling Interest | $250 | $250 | $250 | $250 |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | — | $6,600 | $-10,413 | $-10,413 |
| Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | — | $-1,512 | $-1,512 | $-1,512 |
| Net Income (Loss) Attributable to Parent | $-5,476 | $-6,060 | $-10,413 | $7,832 |
| Policyholder Benefits and Claims Incurred, Net | $244,412 | $207,465 | $200,788 | $167,429 |
| Deferred Policy Acquisition Costs, Amortization Expense | $82,991 | $71,257 | $59,993 | $51,213 |
| Other Underwriting Expense | $35,799 | $33,709 | $36,598 | $37,567 |
| Asset Impairment Charges | $6,756 | $2,628 | $2,628 | $2,628 |
| Operating Expenses | $369,958 | $315,059 | $297,379 | $256,209 |
| Weighted Average Number of Shares Outstanding, Basic | 21,159,073 | 20,968,545 | 20,991,331 | 20,807,287 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 232,366 | 120,626 | 120,626 | — |
| Weighted Average Number of Shares Outstanding, Diluted | 21,159,073 | 21,089,171 | 20,991,331 | 20,868,952 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | $56,693 | $50,930 | $51,715 | $51,609 |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | $347,731 | $307,712 | $301,393 | $298,374 |
| EquitySecuritiesFvNiCurrentAndNoncurrent | $27,767 | $24,640 | $23,951 | $24,873 |
| Other Investments | $2,006 | $1,812 | $1,621 | $1,619 |
| Investments and Cash | $434,197 | $385,094 | $378,680 | $376,475 |
| Premiums Receivable, Net | $74,058 | $52,907 | $41,575 | $77,789 |
| Reinsurance Recoverables on Unpaid Losses, Gross | $48,969 | $12,561 | $11,957 | $12,441 |
| Income Taxes Receivable, Current | — | $7,017 | $11,490 | $9,125 |
| Accrued Investment Income Receivable | $2,763 | $2,629 | $2,462 | $2,494 |
| Property, Plant and Equipment, Net | $9,897 | $7,547 | $6,759 | $6,490 |
| Deferred Income Tax Assets, Net | $8,413 | $7,324 | $6,145 | $6,075 |
| Other Receivables, Net, Current | — | $13,223 | $15,605 | $16,380 |
| Intangible Assets, Net (Including Goodwill) | $10,039 | $100 | $100 | $100 |
| Other Assets, Noncurrent | — | $11,097 | $12,120 | $13,970 |
| Assets | $654,886 | $526,545 | $506,002 | $543,134 |
| Liability for Future Policy Benefits and Unpaid Claims and Claims Adjustment Expense | $217,119 | $137,288 | $137,855 | $134,757 |
| Unearned Premiums | $164,100 | $126,498 | $106,498 | $132,424 |
| Accrued Liabilities and Other Liabilities | — | $18,128 | $20,434 | $24,577 |
| Liabilities | $404,487 | $281,914 | $265,665 | $293,758 |
| Common Stock, Value, Issued | $230 | $230 | $230 | $230 |
| Additional Paid in Capital, Common Stock | — | $95,796 | $95,932 | $95,773 |
| Retained Earnings (Accumulated Deficit) | $208,376 | $201,584 | $191,074 | $203,596 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-21,384 | $-18,231 | $-10,595 | $-12,388 |
| Treasury Stock, Value | $35,177 | $34,293 | $36,092 | $37,623 |
| Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest | $250,399 | $244,631 | $240,337 | $249,376 |
| Debt Securities, Held-to-maturity, Allowance for Credit Loss | $0 | $0 | $0 | $0 |
| Premium Receivable, Allowance for Credit Loss | $402 | $337 | $334 | $301 |
| Common Stock, Shares Authorized | 25,000,000 | 25,000,000 | 25,000,000 | 25,000,000 |
| Common Stock, Shares, Issued | 23,000,000 | 23,000,000 | 23,000,000 | 23,000,000 |
| Common Stock, Shares, Outstanding | 20,599,908 | 20,673,268 | 20,554,144 | 20,431,819 |
| Treasury Stock, Common, Shares | 2,330,297 | 2,281,252 | 2,424,691 | 2,547,016 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | — | $-6,060 | $-10,413 | $7,832 |
| Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | — | $-1,512 | $-1,512 | $-1,512 |
| Net Cash Provided by (Used in) Operating Activities | $25,970 | $38,506 | $-15,272 | $-32,516 |
| Net Cash Provided by (Used in) Investing Activities, Continuing Operations | — | $-7,419 | $18,839 | $18,839 |
| Cash Provided by (Used in) Investing Activities, Discontinued Operations | — | $2,878 | $2,878 | $2,878 |
| Net Cash Provided by (Used in) Investing Activities | $-8,813 | $-4,541 | $18,839 | $32,447 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | — | $30,322 | $785 | $-5,175 |
| CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectDisposalGroupIncludingDiscontinuedOperations | — | $20,429 | $20,429 | $20,429 |
| CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectContinuingOperations | — | $9,893 | $785 | $785 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $56,693 | $50,930 | $51,715 | $52,230 |
| Income Taxes Paid, Net | $-11,102 | $2,853 | $3,921 | $1,320 |
| Realized Investment Gains (Losses) | $2,124 | $2,213 | $1,696 | $5,004 |
| Deferred Income Tax Expense (Benefit) | $-1,882 | $1,901 | $-1,364 | $635 |
| Depreciation | $826 | $681 | $694 | $640 |
| Amortization of Intangible Assets | $455 | $33 | $100 | $100 |
| Asset Impairment Charges | $6,756 | $2,628 | $2,628 | $2,628 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | $322 | $365 | $329 | $306 |
| Share-based Payment Arrangement, Noncash Expense | $1,366 | $238 | $828 | $769 |
| Deferred Policy Acquisition Costs, Amortization Expense | $82,991 | $71,257 | $59,993 | $51,213 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-984 | $-607 | $-393 | $-440 |
| Gain (Loss) on Disposition of Property Plant Equipment | $55 | $64 | $64 | $63 |
| Proceeds from Sale and Maturity of Debt Securities, Available-for-sale | $37,904 | $43,633 | $42,563 | $60,307 |
| ProceedsFromSaleOfEquitySecuritiesFvNi | $39,939 | $7,587 | $10,768 | $15,053 |
| Payments to Acquire Debt Securities, Available-for-sale | $73,222 | $62,561 | $26,797 | $34,070 |
| PaymentsToAcquireEquitySecuritiesFvNi | $12,607 | $7,833 | $8,043 | $9,341 |
| Payments to Acquire Property, Plant, and Equipment | $974 | $991 | $217 | $96 |
| Proceeds from Sale of Property, Plant, and Equipment | $147 | $12,272 | $374 | $403 |
| Proceeds from Sale of Other Assets, Investing Activities | — | — | $191 | $191 |
| Payments for Repurchase of Other Equity | — | — | $2,517 | $2,517 |
| Finance Lease, Principal Payments | $16 | $99 | $108 | $112 |
| Net Cash Provided by (Used in) Financing Activities, Continuing Operations | — | $-10,701 | $-2,782 | $-2,782 |
| Cash Provided by (Used in) Financing Activities, Discontinued Operations | — | $7,058 | $7,058 | $7,058 |
| Net Cash Provided by (Used in) Financing Activities | $-7,466 | $-3,643 | $-2,782 | $-5,106 |
| Increase (Decrease) in Premiums Receivable | $11,885 | $-3,247 | $-11,332 | $-7,815 |
| Increase (Decrease) in Reinsurance Recoverable | $11,394 | $6,101 | $-604 | $-38,837 |
| Increase (Decrease) in Accrued Investment Income Receivable | $307 | $304 | $-167 | $-204 |
| Increase (Decrease) in Other Operating Assets | $600 | $231 | $1,023 | $2,812 |
| Increase (Decrease) in Liability for Claims and Claims Adjustment Expense Reserve | $26,660 | $18,103 | $567 | $-68,773 |
| Increase (Decrease) in Unearned Premiums | $15,587 | $398 | $-20,000 | $-10,465 |
| Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities | — | $469 | $2,414 | $1,206 |
| Net Cash Provided by (Used in) Operating Activities, Continuing Operations | — | $15,082 | $-4,859 | $-4,859 |
| Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal | — | $-17,479 | $-17,479 | $-17,479 |
| Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities | — | $43,054 | $-4,859 | $-40,348 |