Essent Group (NYSE: ESNT) SVP granted stock awards and RSUs

Rhea-AI Filing Summary

Essent Group Ltd. SVP and Chief Legal Officer Mary Lourdes Gibbons reported equity award activity. On February 11, 2026, she acquired 15,265 common shares at $65.51 per share, bringing her direct common share holdings to 252,357.

She was also granted 7,633 restricted share units at $65.51, increasing her directly held restricted share units to 22,578, with each unit convertible into one common share. The filing shows a disposition to the issuer of 804 common shares and 47 dividend equivalent units at $0, leaving 3,212 dividend equivalent units. The awards include performance-based vesting tied to compounded annual book value per share growth and relative total shareholder return over a three-year period starting January 1, 2026, plus separate time-based vesting through March 1, 2029.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Gibbons Mary Lourdes

(Last) (First) (Middle)

C/O ESSENT GROUP LTD.

CLARENDON HOUSE, 2 CHURCH STREET

(Street)

HAMILTON D0 HM11

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Essent Group Ltd. [ ESNT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP and Chief Legal Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/11/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common shares, par value $0.015	02/11/2026		A		15,265(1)	A	$65.51	253,161	D
Common shares, par value $0.015	02/11/2026		D		804	D	$0	252,357	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted share units	(2)	02/11/2026		A		7,633(3)		(2)	(2)	Common shares, par value $0.015	7,633	$65.51	22,578(2)	D
Dividend equivalent units	(4)	02/11/2026		D			47	(4)	(4)	Common shares, par value $0.015	47	$0	3,212	D

Explanation of Responses:

1. Represents restricted shares granted under the issuer's 2013 Long-Term Incentive Plan, with any shares becoming earned based upon the issuer's compounded annual book value per share growth percentage and relative total shareholder return during a three-year performance period commencing January 1, 2026 and vesting on March 1, 2029.

2. Restricted share units convert into common shares on a one-for-one basis.

3. Represents restricted shares granted under the issuer's 2013 Long-Term Incentive Plan subject to time-based vesting in equal installments on each of March 1, 2027, 2028 and 2029.

4. The dividend equivalent rights accrued on unvested restricted stock award(s) and/or unvested restricted stock unit award(s) and become vested proportionately with the award(s) to which they relate. Each dividend equivalent unit is the economic equivalent of one common share of Essent Group Ltd.

Remarks:

	/s/ David B. Weinstock, as attorney-in-fact	02/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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FAQ

What insider transactions did Essent Group (ESNT) report for Mary Lourdes Gibbons?

Mary Lourdes Gibbons reported equity award activity, not open‑market trades. She received 15,265 Essent common shares and 7,633 restricted share units, while 804 common shares and 47 dividend equivalent units were disposed of to the issuer as part of award mechanics.

How many Essent Group (ESNT) common shares does Mary Lourdes Gibbons now hold?

After the reported transactions, Mary Lourdes Gibbons directly holds 252,357 Essent common shares. This reflects a grant of 15,265 shares at $65.51 per share and a disposition of 804 shares back to the issuer under the company’s equity award arrangements.

What restricted share units were granted to Essent Group (ESNT) executive Mary Lourdes Gibbons?

She was granted 7,633 restricted share units at $65.51, each convertible into one Essent common share. Following this grant, she directly holds 22,578 restricted share units, subject to specified performance conditions and time‑based vesting dates running through March 1, 2029.

What performance conditions apply to Essent Group (ESNT) restricted shares granted to Mary Lourdes Gibbons?

Some restricted shares vest based on Essent’s compounded annual book value per share growth and relative total shareholder return. These performance conditions are measured over a three‑year period starting January 1, 2026, with potential vesting scheduled for March 1, 2029.

How do Essent Group (ESNT) time-based restricted shares vest for Mary Lourdes Gibbons?

Time‑based restricted shares granted to Mary Lourdes Gibbons vest in equal installments on March 1, 2027, March 1, 2028, and March 1, 2029. This schedule spreads the vesting over three years, aligning her equity compensation with longer‑term service at Essent Group.

What are Essent Group (ESNT) dividend equivalent units held by Mary Lourdes Gibbons?

Dividend equivalent units represent rights that mirror dividends on unvested restricted stock or restricted stock units. Each dividend equivalent unit equals one Essent common share economically and vests proportionately with related awards; Gibbons held 3,212 such units after a 47‑unit disposition.