STOCK TITAN

Kingsway (KFS) CEO adds shares through employee stock purchase plan

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Kingsway Financial Services Inc. President and CEO John Taylor Maloney increased his direct stake through the company’s employee share purchase plan. On April 30, 2026, he purchased 229 shares of common stock at $10.93 per share, bringing his directly held common shares to 1,461,411, which includes 400,000 restricted shares granted on March 31, 2021. The filing also reports indirect holdings of 34,100 shares of common stock in each of three trusts identified as Trust-MPF, Trust-LTF, and Trust-GEF.

Positive

  • None.

Negative

  • None.
Insider Fitzgerald John Taylor Maloney
Role President and CEO
Bought 229 shs ($3K)
Type Security Shares Price Value
Purchase Common Stock 229 $10.93 $3K
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 1,461,411 shares (Direct, null); Common Stock — 34,100 shares (Indirect, Trust-GEF)
Footnotes (1)
  1. The shares of Common Stock were acquired pursuant to the Kingsway America Inc. Employee Share Purchase Plan, as amended and restated effective May 29, 2014 (the "ESPP"). Pursuant to the ESPP, eligible employees may contribute an amount up to 5% of adjusted salary for each regular payroll period and, to the extent such employee has been employed by Kingsway America Inc. and its subsidiaries for 12 months, the company will make a matching contribution equal to 100% of such employee's contribution. The employee contributions and company contributions are used to purchase, as soon as administratively practicable after the date of such contributions, shares of Kingsway Financial Services Inc. The shares are acquired by the administrator of the ESPP on the open market through the services of a duly registered stockbroker. Includes 400,000 shares of restricted stock granted on March 31, 2021.
Shares purchased 229 shares Common Stock bought on April 30, 2026
Purchase price $10.93 per share Open-market acquisition via ESPP
Direct holdings after transaction 1,461,411 shares Common Stock directly owned after April 30, 2026 purchase
Restricted stock included 400,000 shares Restricted stock granted March 31, 2021, included in direct holdings
Trust-MPF holdings 34,100 shares Indirect common stock ownership via Trust-MPF as of April 30, 2026
Trust-LTF holdings 34,100 shares Indirect common stock ownership via Trust-LTF as of April 30, 2026
Trust-GEF holdings 34,100 shares Indirect common stock ownership via Trust-GEF as of April 30, 2026
Employee contribution limit 5% of adjusted salary Maximum contribution to ESPP per regular payroll period
Employee Share Purchase Plan financial
"acquired pursuant to the Kingsway America Inc. Employee Share Purchase Plan, as amended and restated effective May 29, 2014"
A program that lets employees buy their employer’s stock, often through regular payroll deductions and sometimes at a discounted price or with matching contributions; think of it as a company-run savings plan that converts part of pay into ownership. It matters to investors because it can increase insider ownership and employee motivation, potentially affecting company performance, and can slightly change share supply when new stock is issued or sold.
restricted stock financial
"Includes 400,000 shares of restricted stock granted on March 31, 2021."
Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.
open market financial
"The shares are acquired by the administrator of the ESPP on the open market through the services of a duly registered stockbroker."
An open market is a system where buying and selling of goods, services, or financial assets happen freely without restrictions or special controls. For investors, it means they can trade assets easily and quickly, which helps determine fair prices based on supply and demand. This environment encourages transparency and competition, making it easier to buy or sell with confidence.
matching contribution financial
"the company will make a matching contribution equal to 100% of such employee's contribution."
An employer’s matching contribution is when a company adds money to an employee’s retirement or savings account based on the employee’s own contributions, like a store offering to top up a customer’s purchase to reach a discount threshold. It matters to investors because matching increases a firm’s compensation costs and can improve staff retention and morale, which affect productivity, cash flow and long-term liabilities that influence a company’s financial outlook.
indirect financial
"total_shares_following_transaction": "34100.0000", "direct_or_indirect": "I", "nature_of_ownership": "Trust-MPF""
SEC Form 4
FORM 4UNITED 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
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
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*
Fitzgerald John Taylor Maloney

(Last)(First)(Middle)
10 S. RIVERSIDE PLAZA
SUITE 1520

(Street)
CHICAGO ILLINOIS 60606

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
KINGSWAY FINANCIAL SERVICES INC [ KFS ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
President and CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/30/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock04/30/2026P229(1)A$10.931,461,411(2)D
Common Stock34,100ITrust-GEF
Common Stock34,100ITrust-LTF
Common Stock34,100ITrust-MPF
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. The shares of Common Stock were acquired pursuant to the Kingsway America Inc. Employee Share Purchase Plan, as amended and restated effective May 29, 2014 (the "ESPP"). Pursuant to the ESPP, eligible employees may contribute an amount up to 5% of adjusted salary for each regular payroll period and, to the extent such employee has been employed by Kingsway America Inc. and its subsidiaries for 12 months, the company will make a matching contribution equal to 100% of such employee's contribution. The employee contributions and company contributions are used to purchase, as soon as administratively practicable after the date of such contributions, shares of Kingsway Financial Services Inc. The shares are acquired by the administrator of the ESPP on the open market through the services of a duly registered stockbroker.
2. Includes 400,000 shares of restricted stock granted on March 31, 2021.
/s/ Debra S. Rouse, attorney-in-fact for John Taylor Maloney Fitzgerald05/04/2026
** Signature of Reporting PersonDate
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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did KFS CEO John Taylor Maloney do in this Form 4 filing?

KFS CEO John Taylor Maloney bought 229 shares of Kingsway common stock at $10.93 per share through the employee share purchase plan, modestly increasing his direct ownership while also reporting existing indirect holdings in several trusts.

How many Kingsway (KFS) shares does the CEO hold after the reported transaction?

After the reported transaction, the CEO directly holds 1,461,411 Kingsway common shares, which includes 400,000 shares of restricted stock granted on March 31, 2021. The filing also discloses separate indirect holdings of 34,100 shares in each of three named trusts.

At what price were the new KFS shares acquired by the CEO?

The CEO acquired 229 additional Kingsway common shares at a price of $10.93 per share. These shares were purchased through the Kingsway America Inc. Employee Share Purchase Plan, which uses employee and company matching contributions to buy stock on the open market.

What is the Kingsway America Inc. Employee Share Purchase Plan mentioned in the filing?

The Employee Share Purchase Plan allows eligible employees to contribute up to 5% of adjusted salary, with Kingsway America Inc. matching 100% after 12 months of employment. Combined contributions are used to buy Kingsway Financial Services shares on the open market through a registered stockbroker.

What indirect KFS shareholdings are reported for the CEO in this Form 4?

The filing reports indirect ownership of 34,100 Kingsway common shares in each of three trusts identified as Trust-MPF, Trust-LTF, and Trust-GEF. These entries disclose trust-based positions separate from the CEO’s 1,461,411 directly held common shares reported after the purchase.

How many restricted KFS shares are included in the CEO’s reported holdings?

The CEO’s reported direct holdings include 400,000 shares of restricted stock granted on March 31, 2021. This restricted stock is part of the total 1,461,411 directly held Kingsway common shares disclosed following the April 30, 2026 employee share purchase plan acquisition.