Form 4: Universal Insurance CFO Sells Shares for Tax Withholding

Universal Insurance Holdings CFO Frank Wilcox disposed of 812 shares of common stock to cover tax obligations related to RSU vesting.

Summary

• Frank Wilcox, Chief Financial Officer of Universal Insurance Holdings, Inc. (UVE), reported a transaction involving the company's common stock.
• On December 16, 2025, Mr. Wilcox disposed of 812 shares of common stock at a price of $33.19 per share.
• The disposal was made to satisfy tax withholding obligations in connection with the vesting of 3,333 Restricted Stock Units (RSUs) on the same date.
• Following this transaction, Mr. Wilcox beneficially owns 132,620 shares of Universal Insurance Holdings common stock.
• The transaction was made pursuant to a contract, instruction, or written plan intended to satisfy the affirmative defense conditions of Rule 10b5-1(c).

Sentiment

Score: 5

Explanation: The sentiment is neutral as this is a routine, non-discretionary transaction for tax purposes following RSU vesting. While RSU vesting is positive for the executive, the sale itself is administrative and does not reflect a change in investment sentiment.

Positives

• The vesting of 3,333 Restricted Stock Units (RSUs) for CFO Frank Wilcox indicates continued equity compensation and alignment of management's interests with shareholders.
• The transaction was executed under a Rule 10b5-1 plan, demonstrating pre-planned and transparent insider trading activity.

Negatives

• The disposal of 812 shares, even for tax purposes, slightly reduces the direct beneficial ownership of the CFO in the company.

Future Outlook

This filing does not contain any forward-looking statements or guidance regarding the company's future performance or strategic direction.

Industry Context

This is a routine insider transaction related to executive compensation and tax obligations, which is common across all industries for publicly traded companies with equity compensation plans. It does not provide specific insights into broader industry trends or competitive landscape within the insurance sector.

Stakeholder Impact

• Shareholders: Minimal direct impact as this is a routine, non-discretionary transaction for tax purposes and does not signal a change in management's confidence or company fundamentals.
• Employees: No direct impact mentioned.

Key Dates

Keywords

Universal Insurance Holdings, UVE, Frank Wilcox, CFO, Form 4, Insider Transaction, Stock Sale, RSU Vesting, Tax Withholding, 10b5-1 Plan