UVE CFO Frank Wilcox vests RSUs, increases Universal (UVE) share stake

Rhea-AI Filing Summary

UNIVERSAL INSURANCE HOLDINGS, INC. CFO Frank Wilcox exercised 2,326 restricted stock units into common shares. Each RSU delivers one share of common stock. To cover related tax obligations on March 19, 2026, 567 shares of common stock were withheld at a price of $32.89 per share, so this was not an open-market sale.

After these compensation-related transactions, Wilcox directly owns 134,379 shares of common stock. The RSU award continues to vest, with 2,326 additional RSUs scheduled to vest on March 19, 2027 and 2,325 RSUs on March 19, 2028, subject to his 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

OMB APPROVAL

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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^*

Wilcox Frank

(Last) (First) (Middle)

1110 W. COMMERCIAL BLVD.

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)

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

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		2,326	A	$0	134,946	D
Common Stock	03/19/2026		F(1)		567	D	$32.89	134,379	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			2,326	03/19/2026(3)	03/19/2028	Common Stock	2,326	$0	4,651	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) 2,326 shares vested on March 19, 2026; (b) 2,326 shares vest on March 19, 2027; and (c) 2,325 shares vest on March 19, 2028.

Remarks:

	/s/ Frank Wilcox	03/20/2026
	** 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 CFO Frank Wilcox report in this Form 4 transaction?

Frank Wilcox reported the vesting and exercise of 2,326 restricted stock units into common shares. These shares are part of his equity compensation and increase his direct ownership stake in Universal Insurance Holdings, subject to routine tax withholding.

How many UVE shares were withheld for taxes in Frank Wilcox’s Form 4?

The company withheld 567 shares of Universal Insurance Holdings common stock to satisfy tax obligations. The withholding occurred at a price of $32.89 per share in connection with the RSU vesting on March 19, 2026, and does not represent an open-market sale.

How many Universal Insurance Holdings shares does the UVE CFO hold after this filing?

Following the March 19, 2026 transactions, CFO Frank Wilcox directly holds 134,379 shares of Universal Insurance Holdings common stock. This reflects the net result after RSU vesting and the 567 shares withheld to cover associated tax liabilities.

Is the UVE CFO’s Form 4 transaction an open-market purchase or sale?

The Form 4 shows no open-market buy or sell by the UVE CFO. It records RSU vesting and an automatic share withholding of 567 shares for taxes, a standard compensation and payroll mechanism rather than a discretionary trade in the open market.

What future RSU vesting does UVE disclose for CFO Frank Wilcox?

The footnotes state that 2,326 RSUs are scheduled to vest on March 19, 2027, and 2,325 RSUs on March 19, 2028. These vesting events are conditioned on Frank Wilcox continuing his employment with Universal Insurance Holdings through each vesting date.

How many RSUs vested for the UVE CFO on March 19, 2026?

On March 19, 2026, 2,326 restricted stock units vested for CFO Frank Wilcox. Each RSU converts into one share of Universal Insurance Holdings common stock, increasing his equity exposure as part of his ongoing compensation package with the company.