Neptune Insurance CFO sells 100K shares near $31

Neptune Insurance’s CFO filed an amended Form 4 reflecting sales of 100,000 shares and correcting his reported holdings to include over half a million RSU-based shares.

This filing corrects an earlier one, and you can read the original Form 4 if you want to see what changed.

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. (NP) director and Chief Financial Officer James Steiner reported amended insider transactions showing sales of a total of 100,000 shares of Class A Common Stock on August 12–13, 2026, in open-market transactions at weighted average prices in the low-$31 range.

The amendment also corrects previously reported holdings to include 535,665 shares underlying time-based restricted stock units that vest between September 30, 2026 and September 30, 2028, subject to Steiner’s continuous service. No Rule 10b5‑1 trading plan is reported.

Insider Trade Summary

Net Seller: 100,000 shares

Net Sell 2 txns

Insider Steiner James

Role Chief Financial Officer

Sold 100,000 shs ($3.14M)

Type	Security	Shares	Price	Value
Sale	Class A Common Stock F4, F2, F3	57,012	$31.7121	$1.81M
Sale	Class A Common Stock F1, F2, F3	42,988	$31.0755	$1.34M

Holdings After Transaction: Class A Common Stock — 4,284,715 shares (Direct)

Footnotes (4)

1. F1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $30.74 to $31.45, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.
2. F2. Includes 535,665 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended. The restricted stock units vest as to 178,555 shares on September 30, 2026 and as to the remaining 357,110 shares in eight quarterly installments of 44,638 or 44,639 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
3. F3. This Form 4/A amends the Form 4 filed by the Reporting Person on August 14, 2026 solely to correct the number of shares of Class A Common Stock reported in Column 5 of Table I, which inadvertently omitted 535,665 shares of Class A Common Stock underlying restricted stock units previously reported on the Form 4 filed by the Reporting Person on October 3, 2025. No other changes have been made to the previously reported information.
4. F4. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $30.87 to $32.12, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

Key Figures

Shares sold August 12, 2026: 42,988 shares Weighted average price August 12, 2026: $31.0755 per share Shares sold August 13, 2026: 57,012 shares +5 more

8 metrics

Shares sold August 12, 2026 42,988 shares Open-market sale of Class A Common Stock

Weighted average price August 12, 2026 $31.0755 per share Multiple transactions from $30.74 to $31.45

Shares sold August 13, 2026 57,012 shares Open-market sale of Class A Common Stock

Weighted average price August 13, 2026 $31.7121 per share Multiple transactions from $30.87 to $32.12

Total shares sold 100,000 shares Combined August 12–13, 2026 sales

Restricted stock units underlying shares 535,665 shares Class A shares underlying time-based restricted stock units

RSUs vesting September 30, 2026 178,555 shares First vesting tranche of time-based restricted stock units

Remaining RSUs vesting through September 30, 2028 357,110 shares Vesting in eight quarterly installments after September 30, 2026

Key Terms

weighted average price, time-based restricted stock units, continuous service, vesting date

4 terms

weighted average price financial

"The price reported in Column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

time-based restricted stock units financial

"Includes 535,665 shares of Class A Common Stock underlying an award of time-based restricted stock units,"

Time-based restricted stock units are a form of employee compensation where individuals are granted company shares that are earned over a set period, often as a reward for staying with the company. These shares typically become fully owned and transferable only after passing specific time milestones, encouraging long-term commitment. For investors, they highlight a company's focus on employee retention and can influence future stock supply and company stability.

continuous service financial

"in each case subject to the continuous service of the Reporting Person through the applicable vesting date."

vesting date financial

"subject to the continuous service of the Reporting Person through the applicable vesting date."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider share sales did NP’s CFO report on this amended Form 4?

The filing reports that CFO and director James Steiner sold 100,000 shares of Neptune Insurance Holdings Inc. Class A Common Stock in open-market transactions on August 12–13, 2026, split between two separate trades of 42,988 and 57,012 shares at weighted average prices around $31 per share.

What prices were the NP shares sold for in the August 2026 transactions?

On August 12, 2026, 42,988 shares were sold at a $31.0755 weighted average, with prices from $30.74 to $31.45. On August 13, 2026, 57,012 shares were sold at a $31.7121 weighted average, with prices from $30.87 to $32.12, all in multiple transactions.

Why was this Form 4/A for NP filed as an amendment?

The amendment corrects the number of shares reported in Column 5 to include 535,665 shares of Class A Common Stock underlying restricted stock units that were previously reported in an earlier Form 4. The filing states that no other changes were made to the previously reported information.

What RSU holdings and vesting schedule does NP’s CFO report in this filing?

The filing states Steiner holds 535,665 shares of Class A Common Stock underlying time-based restricted stock units. 178,555 shares vest on September 30, 2026, and the remaining 357,110 shares vest in eight quarterly installments through September 30, 2028, subject to continuous service.

Was the NP CFO’s August 2026 stock sale under a Rule 10b5-1 plan?

No. The filing’s Rule 10b5‑1 checkbox is not affirmatively marked, and the footnotes do not indicate that the August 2026 sales were made pursuant to a Rule 10b5‑1 trading plan, so no such plan is reported for these transactions.

How many NP shares did the CFO sell on each date in August 2026?

On August 12, 2026, Steiner sold 42,988 shares of Class A Common Stock. On August 13, 2026, he sold an additional 57,012 shares. Together, the transactions total 100,000 shares sold in open-market trades over the two days.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/16/2026 - 04:17 PM Accepted by SEC EDGAR 09/16/2026 - 04:17 PM Learn about SEC filing dates

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

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^*

Steiner James

(Last) (First) (Middle)

C/O NEPTUNE FLOOD INCORPORATED

400 6TH ST S STE 2

(Street)

SAINT PETERSBURG FLORIDA 33701

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Neptune Insurance Holdings Inc. [ NP ]

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

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2026

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

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

4. If Amendment, Date of Original Filed (Month/Day/Year)
08/14/2026

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
Class A Common Stock	08/12/2026		S		42,988	D	$31.0755(1)	4,341,727(2)(3)	D
Class A Common Stock	08/13/2026		S		57,012	D	$31.7121(4)	4,284,715(2)(3)	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

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $30.74 to $31.45, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

2. Includes 535,665 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended. The restricted stock units vest as to 178,555 shares on September 30, 2026 and as to the remaining 357,110 shares in eight quarterly installments of 44,638 or 44,639 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.

3. This Form 4/A amends the Form 4 filed by the Reporting Person on August 14, 2026 solely to correct the number of shares of Class A Common Stock reported in Column 5 of Table I, which inadvertently omitted 535,665 shares of Class A Common Stock underlying restricted stock units previously reported on the Form 4 filed by the Reporting Person on October 3, 2025. No other changes have been made to the previously reported information.

4. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $30.87 to $32.12, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

Remarks:

	James Steiner	09/16/2026
	** 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).
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)