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.
UNIVERSAL INSURANCE HOLDINGS, INC. director and CIO & CAO Kimberly D. Campos reported the vesting of 1,163 restricted stock units, converting into 1,163 shares of common stock on March 19, 2026. To cover tax obligations on this vesting, 284 shares were withheld at a price of $32.89 per share, a non-market, tax-withholding disposition rather than an open-market sale.
After these transactions, Campos directly owns 8,301 shares of common stock and 2,325 remaining restricted stock units. According to the vesting schedule, 1,163 RSUs are scheduled to vest on March 19, 2027, and 1,162 RSUs on March 19, 2028, contingent on continued employment.
UNIVERSAL INSURANCE HOLDINGS, INC. director and CIO & CAO Kimberly D. Campos reported mixed insider activity. On March 3, 2026, she sold 1,710 shares of common stock in an open-market transaction at $35.375 per share, leaving 7,422 shares of common stock held directly.
On March 2, 2026, she also received a grant of 2,063 restricted stock units, each representing one future share of common stock subject to vesting. These RSUs are scheduled to vest in three equal-time installments: 688 shares on March 2, 2027, 688 shares on March 2, 2028, and 687 shares on March 2, 2029, assuming continued employment through each vesting date.
DOWNES SEAN P reported acquisition or exercise transactions in this Form 4 filing.
UNIVERSAL INSURANCE HOLDINGS, INC. Executive Chairman Sean P. Downes received a grant of 22,696 restricted stock units on March 2, 2026. Each RSU represents one share of common stock, awarded at no cash cost to him.
The RSUs vest over three years, subject to his continued employment: 7,566 units on March 2, 2027, 7,565 units on March 2, 2028, and 7,565 units on March 2, 2029. This award increases his directly held derivative equity stake by the full 22,696 units.
Wilcox Frank reported acquisition or exercise transactions in this Form 4 filing.
UNIVERSAL INSURANCE HOLDINGS, INC. reported that its CFO, Frank Wilcox, received a grant of 4,127 restricted stock units (RSUs) on March 2, 2026. Each RSU represents the right to receive one share of common stock, subject to vesting.
The RSUs are scheduled to vest in three equal-time tranches, conditioned on continued employment: 1,376 shares on March 2, 2027, 1,376 shares on March 2, 2028, and 1,375 shares on March 2, 2029.
Donaghy Stephen reported acquisition or exercise transactions in this Form 4 filing.
Universal Insurance Holdings CEO Stephen Donaghy received a new equity award. On March 2, 2026, he was granted 24,072 restricted stock units, each representing one share of common stock, at no purchase price. The RSUs vest in three equal installments of 8,024 shares on March 2 of 2027, 2028, and 2029, contingent on his continued employment through each vesting date.
Universal Insurance Holdings, Inc. is a Florida‑based property and casualty insurance holding company focused mainly on personal residential homeowners coverage. Its primary carriers, UPCIC and APPCIC, distribute through about 9,500 independent agents and digital channels across 19 states, with 72.6% of 2025 direct premiums written in Florida.
The company relies heavily on reinsurance, including the Florida Hurricane Catastrophe Fund, and reported combined statutory capital and surplus of approximately $509.1 million as of December 31, 2025. Subsidiaries provide underwriting, inspections, claims adjusting, litigation, and reinsurance intermediary services, generating fee and commission income alongside underwriting results.
Management highlights significant exposure to hurricanes and severe weather, climate‑driven catastrophe risk, Florida’s historically litigious environment, and reinsurance availability and pricing as key risks. It also notes regulatory capital requirements, rating agency dependence, cybersecurity threats, and competition from national carriers and Florida’s Citizens Property Insurance Corporation as ongoing challenges.
UNIVERSAL INSURANCE HOLDINGS, INC. Executive Chairman Sean P. Downes reported equity award activity in Common Stock. On February 24, 2026, he acquired 27,382 shares at $0.00 per share through the vesting of previously granted performance-based units for the 2023–2025 performance period, after the compensation committee certified that the maximum performance threshold was achieved.
On the same date, 6,863 shares at $30.23 per share were disposed of to cover tax withholding obligations related to this PSU settlement, rather than through an open-market sale. Following these transactions, he directly owned 1,219,031 shares of Common Stock. Indirect holdings reported as of that date included 2,000 shares held by his spouse and 48,000 shares held by his children.
UNIVERSAL INSURANCE HOLDINGS, INC. CEO Stephen Donaghy reported a mix of equity award vesting and tax withholding transactions in Common Stock. On February 24, 2026, he acquired 47,919 shares at no cost from performance-based units granted on March 20, 2023 for the 2023–2025 performance period, after the compensation committee certified that the maximum performance threshold was achieved. In connection with this vesting, 14,213 shares were withheld to cover tax obligations. Following these transactions, Donaghy directly owns 688,667 Common Stock shares.
Universal Insurance Holdings reported sharply stronger fourth-quarter and full-year 2025 results. Q4 revenue reached $407.9 million, up 6.0% from a year earlier, while net income available to common stockholders jumped to $66.6 million from $6.0 million. Diluted EPS rose to $2.28 from $0.21, and annualized return on common equity climbed to 50.9%.
For 2025, total revenue was $1.60 billion, with net income available to common stockholders of $182.9 million versus $58.9 million, and diluted EPS of $6.32 versus $2.01. The net combined ratio improved to 87.5% from 107.9%, reflecting a lower loss ratio. Book value per share grew 48.1% year-over-year to $19.67, and adjusted book value per share rose 32.6% to $20.60.
The company wrote $483.7 million of direct premiums in Q4, up 2.7%, with 18.2% growth in other states partly offset by a 3.1% decline in Florida. Policies in force increased 4.7% to 895,927. During the quarter, Universal repurchased about 210 thousand shares for $6.9 million and later authorized a new share repurchase program of up to $20 million, while also declaring a regular quarterly cash dividend of 16 cents per share.