Universal Insurance (UVE) CEO RSUs vest; shares withheld for taxes

Rhea-AI Filing Summary

Universal Insurance Holdings CEO Stephen Donaghy reported a routine RSU vesting and option exercise. On March 19, 2026, he exercised 13,566 Restricted Stock Units, receiving an equivalent 13,566 shares of Common Stock at a stated price of $0.00 per share.

To cover tax obligations from this vesting, 5,339 Common Stock shares were withheld at $32.89 per share, a non‑market, tax-withholding disposition rather than an open-market sale. After these transactions, Donaghy directly held 696,894 Common Stock shares. The RSU award continues to vest 13,566 shares on each of March 19, 2027 and March 19, 2028, subject to continued employment.

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

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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^*

Donaghy Stephen

(Last) (First) (Middle)

1110 WEST COMMERCIAL BOULEVARD

SUITE 100

(Street)

FORT LAUDERDALE FLORIDA 33309

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
UNIVERSAL INSURANCE HOLDINGS, INC. [ UVE ]

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/19/2026

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
Common Stock	03/19/2026		M		13,566	A	$0	702,233	D
Common Stock	03/19/2026		F(1)		5,339	D	$32.89	696,894	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
Restricted Stock Units	(2)	03/19/2026		M			13,566	03/19/2026(3)	03/19/2028	Common Stock	13,566	$0	27,132	D

Explanation of Responses:

1. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of RSUs on March 19, 2026.

2. Each RSU represents the right to receive one share of the Issuer's Common Stock, subject to vesting.

3. These RSUs are scheduled to vest as follows, subject to continued employment by the reporting person through the applicable vesting date: (a) 13,566 shares vested on March 19, 2026; (b) 13,566 shares vest on March 19, 2027; and (c) 13,566 shares vest on March 19, 2028.

Remarks:

	/s/ Stephen Donaghy	03/19/2026
	** 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)

FAQ

What did UVE CEO Stephen Donaghy report in this Form 4 filing?

Stephen Donaghy reported the vesting and exercise of 13,566 Restricted Stock Units into Common Stock. The filing also shows shares withheld for taxes and updates his direct ownership position following these compensation-related transactions, rather than any open-market stock purchases or sales.

How many Universal Insurance (UVE) RSUs vested for Stephen Donaghy and when?

A block of 13,566 Restricted Stock Units vested for Stephen Donaghy on March 19, 2026. Each RSU represents one share of Common Stock, so this vesting delivered 13,566 shares as part of his equity compensation, subject to the award’s original vesting schedule.

Why were 5,339 UVE shares disposed of in Stephen Donaghy’s Form 4?

The 5,339 Common Stock shares were withheld to satisfy tax withholding obligations triggered by the RSU vesting. This disposition, coded “F,” reflects payment of taxes by delivering shares to the issuer and is not an open-market sale by Donaghy to outside investors.

How many Universal Insurance (UVE) shares does Stephen Donaghy own after these transactions?

Following the RSU vesting, exercise, and tax withholding, Stephen Donaghy directly holds 696,894 shares of Universal Insurance Holdings Common Stock. This updated total reflects his post-transaction position as reported in the non-derivative holdings section of the Form 4 filing.

Are Stephen Donaghy’s UVE transactions open-market trades or compensation-related events?

The reported transactions are compensation-related events, not open-market trades. They consist of an RSU exercise delivering 13,566 shares at a stated price of $0.00 and a tax-withholding disposition of 5,339 shares, which covers tax liabilities rather than representing discretionary buying or selling.

What future RSU vesting is scheduled for UVE CEO Stephen Donaghy?

The RSU award is scheduled to vest 13,566 shares on March 19, 2027 and another 13,566 shares on March 19, 2028. These future vestings depend on Donaghy’s continued employment through each applicable vesting date, according to the footnote disclosure in the filing.