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  4. [Form 4] UNIVERSAL INSURANCE HOLDINGS, INC. Insider Trading Activity

UVE (UVE) CFO exercises 2,503 RSUs; 610 shares withheld for taxes

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

Rhea-AI Filing Summary

UNIVERSAL INSURANCE HOLDINGS, INC. CFO Frank Wilcox exercised 2,503 Restricted Stock Units into 2,503 shares of Common Stock on March 27, 2026. To cover related taxes, 610 shares were withheld at $33.67 per share, leaving a net increase of 1,893 shares and total direct holdings of 136,272 shares. The RSU award vests in three annual installments: 2,503 shares on March 27, 2025, 2,503 shares on March 27, 2026, and 2,502 shares scheduled to vest on March 27, 2027, subject to continued employment.

Positive

  • None.

Negative

  • None.
Insider Wilcox Frank
Role CFO
Type Security Shares Price Value
Exercise Restricted Stock Units 2,503 $0.00 --
Exercise Common Stock 2,503 $0.00 --
Tax Withholding Common Stock 610 $33.67 $21K
Holdings After Transaction: Restricted Stock Units — 2,502 shares (Direct); Common Stock — 136,882 shares (Direct)
Footnotes (1)
  1. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of RSUs on March 27, 2026. Each RSU represents the right to receive one share of the Issuer's Common Stock, subject to vesting. These RSUs are scheduled to vest as follows, subject to continued employment by the reporting person through the applicable vesting date: (a) 2,503 shares vested on March 27, 2025; (b) 2,503 shares vested on March 27, 2026; and (c) 2,502 shares vest on March 27, 2027.
RSUs exercised 2,503 units Restricted Stock Units converted to Common Stock on March 27, 2026
Shares withheld for taxes 610 shares at $33.67 Tax withholding disposition related to RSU vesting on March 27, 2026
Net shares from vesting 1,893 shares RSU shares exercised minus tax-withholding shares on March 27, 2026
Shares owned after transaction 136,272 shares Direct Common Stock holdings following March 27, 2026 transactions
RSU vesting schedule 2,503 / 2,503 / 2,502 shares Annual vesting on March 27 of 2025, 2026, and 2027
Restricted Stock Units financial
"The filing lists the security title as "Restricted Stock Units" and notes each RSU converts into one share."
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
tax withholding obligation financial
"Shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of RSUs."
vesting financial
"Each RSU represents the right to receive one share of Common Stock, subject to vesting."
Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.
derivative exercise/conversion financial
"The transaction code description states an exercise or conversion of derivative security."
tax-withholding disposition financial
"The transaction action for the F code is described as a tax-withholding disposition."
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
Form 4 Insider Transactions: What Each Field Means →
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*
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)
Director10% Owner
XOfficer (give title below)Other (specify below)
CFO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
03/27/2026		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 Stock03/27/2026M2,503A$0136,882D
Common Stock03/27/2026F(1)610D$33.67136,272D
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
Restricted Stock Units(2)03/27/2026M2,50303/27/2025(3)03/27/2027Common Stock2,503$02,502D
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 27, 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) 2,503 shares vested on March 27, 2025; (b) 2,503 shares vested on March 27, 2026; and (c) 2,502 shares vest on March 27, 2027.
Remarks:
/s/ Frank Wilcox03/31/2026
** 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)

Source: View Original Filing on SEC EDGAR

FAQ

What insider transaction did UVE CFO Frank Wilcox report on this Form 4?

CFO Frank Wilcox exercised 2,503 Restricted Stock Units into 2,503 shares of Common Stock on March 27, 2026. This was a compensation-related derivative exercise rather than an open-market stock purchase, reflecting scheduled vesting of previously granted RSUs.

How many UVE shares were withheld for taxes in the CFO’s Form 4 filing?

The filing shows 610 shares of Common Stock were withheld at $33.67 per share to satisfy tax withholding obligations. This tax-withholding disposition relates to the RSU vesting event on March 27, 2026, and is not an open-market sale by the CFO.

What are Frank Wilcox’s UVE share holdings after these transactions?

After the RSU exercise and tax withholding, Frank Wilcox directly holds 136,272 shares of Universal Insurance Holdings Common Stock. This figure reflects his updated ownership position following the March 27, 2026 compensation-related equity transactions reported in the Form 4.

How do the UVE RSUs granted to the CFO vest over time?

The RSUs vest in three annual tranches: 2,503 shares vested on March 27, 2025, another 2,503 shares vested on March 27, 2026, and 2,502 shares are scheduled to vest on March 27, 2027, assuming continued employment through each applicable vesting date.

Does this UVE Form 4 show an open-market stock sale by the CFO?

No, the Form 4 shows a derivative exercise of 2,503 RSUs and a tax-withholding disposition of 610 shares. The withheld shares were used to satisfy tax obligations tied to RSU vesting, not discretionary open-market selling of shares by the CFO.