Neptune Insurance director receives 28,704-share grant

The award's vesting schedule runs from September 30, 2027, through September 30, 2029, subject to continued service.

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. director David Stanley Edward Noble received an award covering 28,704 shares of Class A Common Stock underlying time-based restricted stock units on September 30, 2026, in connection with his board appointment. The award vests as to 9,568 shares on September 30, 2027, and the remaining 19,136 shares in eight quarterly installments of 2,392 shares through September 30, 2029, subject to continuous service through each applicable date. Noble’s reported direct position after the award was 43,704 shares, including the award’s underlying shares. His spouse directly holds 3,750 shares, for which Noble disclaims beneficial ownership except to the extent of his pecuniary interest.

Insider Trade Summary

Grant/Award: 28,704 shares

Grant/Award 2 txns

Insider Noble David Stanley Edward

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock F1, F2	28,704	$0.00	$0.00
holding	Class A Common Stock F3	--	--	--

Holdings After Transaction: Class A Common Stock — 43,704 shares (Direct); Class A Common Stock — 3,750 shares (Indirect, By Spouse)

Footnotes (3)

1. F1. Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026 in connection with the Reporting Person's appointment to the Board of Directors of the Issuer. The restricted stock units vest as to 9,568 shares on September 30, 2027 (the "Vesting Commencement Date") and as to the remaining 19,136 shares in eight quarterly installments of 2,392 shares each on each three month anniversary of the Vesting Commencement Date through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
2. F2. Includes 28,704 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.
3. F3. These shares are held directly by the Reporting Person's spouse. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

Key Figures

Award underlying shares: 28,704 shares Reported direct position after award: 43,704 shares Spouse-held shares: 3,750 shares +3 more

6 metrics

Award underlying shares 28,704 shares Time-based restricted stock units granted September 30, 2026

Reported direct position after award 43,704 shares Includes 28,704 shares underlying the award

Spouse-held shares 3,750 shares Held directly by the reporting person's spouse

Shares vesting on first vesting date 9,568 shares September 30, 2027

Remaining award shares 19,136 shares Vest in eight quarterly installments through September 30, 2029

Quarterly installment 2,392 shares Each of eight installments

Key Terms

time-based restricted stock units, Vesting Commencement Date, continuous service, beneficial ownership

4 terms

time-based restricted stock units financial

"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.

Vesting Commencement Date financial

"the “Vesting Commencement Date”"

The vesting commencement date is the starting point when an employee begins earning ownership rights to their promised benefits, such as stock options or retirement contributions. Think of it like the day a savings account is opened—only after this date do the benefits start to grow and become fully available over time. It matters to investors because it marks when the clock begins ticking toward full ownership, affecting the timing and value of these benefits.

continuous service financial

"subject to the continuous service of the Reporting Person"

beneficial ownership regulatory

"disclaims beneficial ownership of these securities"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

FAQ

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

How many NP shares did David Stanley Edward Noble receive in his award?

The award covered 28,704 shares of Class A Common Stock underlying time-based restricted stock units, granted on September 30, 2026, in connection with his appointment to the board.

When do David Stanley Edward Noble’s NP restricted stock units vest?

The award vests as to 9,568 shares on September 30, 2027, with the remaining 19,136 shares vesting in eight quarterly installments of 2,392 shares each through September 30, 2029. Vesting is subject to continuous service through each applicable vesting date.

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

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Available on EDGAR 10/02/2026 - 04:47 PM Accepted by SEC EDGAR 10/02/2026 - 04:46 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^*

Noble David Stanley Edward

(Last) (First) (Middle)

C/O NEPTUNE INSURANCE HOLDINGS INC.

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
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2026

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)

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	09/30/2026		A		28,704(1)	A	$0	43,704(2)	D
Class A Common Stock								3,750	I	By Spouse(3)

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. Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026 in connection with the Reporting Person's appointment to the Board of Directors of the Issuer. The restricted stock units vest as to 9,568 shares on September 30, 2027 (the "Vesting Commencement Date") and as to the remaining 19,136 shares in eight quarterly installments of 2,392 shares each on each three month anniversary of the Vesting Commencement Date through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.

2. Includes 28,704 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.

3. These shares are held directly by the Reporting Person's spouse. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose.

Remarks:

	/s/ James Steiner, as Attorney-in-Fact	10/02/2026
	** 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)