NODK — what changed in the latest 10-Q
A section-by-section comparison of NODK's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-07 vs the prior 10-Q · 2026-05-08
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +33 | −31 | ~9 | 12 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 0 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 1 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-07
·Net income of $146, or $0.01 per share basic and $0.01 per share diluted
Our consolidated net income (loss) was $146 and ($12,051) for the three months ended June 30, 2026 and 2025, respectively. Our consolidated net income (loss) was $12,654 and ($5,591) for the six months ended June 30, 2026 and 2025, respectively.
The major components of our revenues and net loss are shown below:
Amortization of deferred policy acquisition costs and other underwriting and general expenses 21,587 24,774 42,123 49,934
Net premiums earned for the three months ended June 30, 2026, decreased $7,988, or 10.9%, compared to the three months ended June 30, 2025. Net premiums earned for the six months ended June 30, 2026, decreased 20,372, or 14.5%, compared to the six months ended June 30, 2025.
Text removed vs the prior filing · source: 10-Q · 2026-05-08
Our consolidated net income was $12,508 and $6,460 for the three months ended March 31, 2026 and 2025, respectively.
The major components of our revenues and net income for the two periods are shown below:
Amortization of deferred policy acquisition costs and other underwriting and general expenses 20,536 25,160
Net premiums earned for the three months ended March 31, 2026, decreased $12,384, or 18.3%, compared to the three months ended March 31, 2025.
Private Passenger Auto – Net premiums earned for the three months ended March 31, 2026, decreased $362, or 1.6%, compared to the same period in 2025. Results were driven by lower renewal premiums in South Dakota and Nebraska as a result of underwriting actions taken in recent periods, partially offs…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice