Welcome to our dedicated page for Heritage Insurance Hldgs SEC filings (Ticker: HRTG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Heritage Insurance Holdings, Inc. filings document the formal disclosure record for a super-regional property and casualty insurance holding company whose common stock trades on the New York Stock Exchange under HRTG. Recent Form 8-K filings furnish quarterly and annual results, preliminary financial updates, Regulation FD conference disclosures, material agreements and board changes.
The definitive proxy statement covers annual meeting matters, director governance and stockholder voting. Capital-structure disclosures include an amended and restated credit agreement with revolving, term-loan and delayed-draw term-loan facilities, alongside registered common stock information shown on periodic 8-K cover pages.
Binnun Sharon reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings Chief Accounting Officer Sharon Binnun received equity awards of company common stock. She was granted 3,037 shares of restricted stock that vest in three equal annual installments on December 15, 2026, December 15, 2027, and December 15, 2028.
She also received 12,147 shares of performance-based restricted stock with a three-year performance period from January 1, 2026 through December 31, 2028, vesting after the performance period but no later than March 30, 2029. The final number of performance shares earned can decrease based on performance results.
Heritage Insurance Holdings, Inc. officer Timothy Moura reported acquiring company stock through two equity awards. He received 4,337 shares of restricted stock, which vest in three equal installments on December 15, 2026, 2027, and 2028. He was also granted 16,262 shares of performance-based restricted stock with a performance period from January 1, 2026 to December 31, 2028, vesting after that period but no later than March 30, 2029. The final number of performance-based shares earned can decrease depending on the company’s performance against the stated condition.
Heritage Insurance Holdings, Inc. reported that Chief Executive Officer Ernie J. Garateix acquired company stock through equity awards, not open-market purchases. He received 25,960 shares of restricted stock at a price of $0.00 per share and 81,125 shares of performance-based restricted stock, also at $0.00 per share.
The 25,960 restricted shares vest in three equal time-based installments on December 15, 2026, December 15, 2027, and December 15, 2028. The 81,125 performance-based restricted shares have a three-year performance period from January 1, 2026 through December 31, 2028 and will vest after that period, no later than March 30, 2029, with the final number of shares earned subject to decrease based on performance results.
Lusk Kirk reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings Chief Financial Officer Kirk Lusk reported two stock awards. He received 15,271 shares of restricted common stock that vest in three equal installments in 2026, 2027, and 2028. He was also granted 27,487 shares of performance-based restricted stock tied to a three-year performance period through 2028, which will vest after the period ends and may be reduced depending on performance results.
JOHNS TIMOTHY E reported acquisition or exercise transactions in this Form 4 filing.
Heritage Insurance Holdings, Inc. reported that officer Timothy E. Johns received equity awards in the form of common stock. On March 5, 2026, he was granted 764 shares of restricted stock that vest in three installments through December 15, 2028, and 1,835 shares of performance-based restricted stock tied to a performance period from January 1, 2026 to December 31, 2028. The performance-based shares will vest after the performance period, no later than March 30, 2029, and the final number of shares earned can be reduced based on performance results. Following these grants, his directly held common stock increased to 39,526 shares.
Heritage Insurance Holdings, Inc. reported a sharp improvement in profitability for the fourth quarter and full year 2025. Fourth quarter net income rose to $66.7 million, or $2.15 per diluted share, up from $20.3 million, or $0.66, a year earlier, as higher net premiums earned and investment income combined with much lower losses and expenses.
For 2025, net income increased to $195.6 million, or $6.32 per diluted share, compared with $61.5 million, or $2.01, in 2024, despite $31.8 million of wildfire losses. The net combined ratio improved to 62.0% in the quarter from 89.7%, reflecting a lower loss ratio of 31.3% and a lower expense ratio of 30.7%.
Book value per share rose to $16.39 at December 31, 2025, up from $9.50, supported by strong earnings and a reduction in unrealized losses on fixed income securities as interest rates fell. The company kept its quarterly dividend suspended but repurchased shares, including 106,135 shares for $2.3 million in 2025 and 112,858 shares for $3.0 million in early 2026 under a new $25.0 million authorization.
Heritage Insurance Holdings Chief Executive Officer Ernie J. Garateix sold a total of 8,334 shares of common stock in open-market transactions on February 20, 2026, at prices around $24 per share under a pre-arranged Rule 10b5-1 trading plan. Following these sales, he directly holds 1,120,170 shares.
Heritage Insurance Holdings released preliminary estimates for its fourth quarter 2025 results. The company expects after-tax net income of more than $60 million, or over $2.00 per share, and a full year return on equity above 45%, indicating very strong profitability for 2025.
Management attributes these preliminary results to higher total revenue compared to the prior-year quarter, while both losses and expenses are lower. Heritage plans to report its full fourth quarter and full year 2025 financial results before the market opens on March 9, 2026, followed by an earnings conference call the same day.
HRTG filed a Form 144 reporting proposed sales of common stock under Rule 144 and disclosing recent Section 10b5-1 executed sales by the reporting persons. The filing lists multiple 10b5-1 sale dates and amounts, including 01/20/2026 with 194,342.86 and 22,595.93, and 12/22/2025 with 220,118.95 and 25,549.71.
Ernesto J. Garateix and related accounts reported multiple Regulation 144 sale notices for common stock of the company. The excerpt lists several 10b5-1 and open‑market sales dated between 12/09/2025 and 01/20/2026, including examples of 7,000 shares sold on 12/09/2025 and 7,467 shares sold on 01/20/2026.