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.
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.
Heritage Insurance Holdings, Inc. (HRTG) CEO Ernie J. Garateix reported open-market stock sales. On January 20, 2026, he sold 8,234 shares of common stock at a weighted-average price of $26.02 per share and an additional 100 shares at $26.67 per share. These transactions were executed under a pre-arranged Rule 10b5-1 trading plan that was adopted on June 13, 2025, which is designed to allow insiders to sell shares according to a set schedule. After these sales, Garateix directly owned 1,128,504 shares of Heritage Insurance common stock.
A shareholder of HRTG has filed a Form 144 to sell common stock. The notice covers 7467 common shares to be sold through Morgan Stanley Smith Barney LLC, with an aggregate market value of 195038.04. The shares relate to restricted stock units acquired from the issuer on 11/14/2016, matching the 7467-share amount.
The filing notes that 30911435 shares of common stock were outstanding and lists the NYSE as the exchange, with an approximate sale date of 01/20/2026. It also details recent sales over the prior three months by Ernesto Garateix and related 10b5-1 plans, including multiple transactions in November and December 2025 with stated gross proceeds. The signer represents they do not know of any undisclosed material adverse information about the issuer.
A shareholder has filed a Form 144 notice to sell 867 shares of common stock through Morgan Stanley Smith Barney LLC, with an indicated aggregate market value of $22,646.04. The company had 30,911,435 shares outstanding of this class at the time stated, and the sale is expected to occur around 01/20/2026 on the NYSE.
The 867 shares to be sold were acquired on 03/15/2013 in an open market purchase from the issuer for cash. Over the prior three months, the same seller names, including Ernesto Garateix (sometimes in 10b5-1 arrangements with Yvette Garateix), reported multiple sales of common stock, such as 10,000 shares sold on 11/11/2025 for $290,976.00 and 7,467 shares sold on 12/22/2025 for $220,118.95.
Heritage Insurance Holdings CEO and director Ernie J. Garateix reported a planned stock sale under a Rule 10b5-1 trading plan. On 12/22/2025, he sold 8,334 shares of Heritage Insurance Holdings, Inc. common stock at a weighted average price of $29.4779 per share, in transactions with individual prices ranging from $29.05 to $29.89. After this sale, he beneficially owned 1,136,838 shares directly. The filing notes that these sales were effected pursuant to a Rule 10b5-1 trading plan previously adopted on June 13, 2025, which is designed to allow pre-arranged trading of shares.