Form 4: UVE Officer Reports Routine Equity Compensation Transactions

Universal Insurance Holdings' Principal Accounting Officer, Gary Ropiecki, reported the vesting of restricted stock units and associated tax withholdings.

Summary

• Gary Lloyd Ropiecki, Principal Accounting Officer of Universal Insurance Holdings, Inc. (UVE), reported several transactions related to his equity compensation.
• On December 19, 2025, 1,667 shares of common stock were acquired upon the vesting of restricted stock units (RSUs) from a grant dated December 19, 2023.
• Concurrently, 406 shares of common stock were disposed of at a price of $33.89 per share to satisfy tax withholding obligations related to the RSU vesting.
• On December 20, 2025, 1,334 shares of common stock were acquired upon the vesting of RSUs from a grant dated December 20, 2024.
• On December 22, 2025, 325 shares of common stock were disposed of at a price of $34.63 per share to satisfy tax withholding obligations for the second RSU vesting event.
• Following these transactions, Mr. Ropiecki beneficially owns 7,312 shares of common stock.
• Additionally, 4,000 Restricted Stock Units were acquired on December 20, 2024, which vest in three approximately equal installments on the first three anniversaries of the grant date, subject to continued employment.
• After the December 20, 2025 vesting, 2,666 of these RSUs remain unvested.

Sentiment

Score: 6

Explanation: The sentiment is slightly positive as it reflects an officer's continued equity ownership and receipt of compensation, indicating alignment with shareholder interests, despite routine tax-related sales.

Positives

• The Principal Accounting Officer acquired a total of 3,001 shares of common stock through the vesting of Restricted Stock Units, increasing his direct ownership in the company.
• The acquisition of 4,000 new Restricted Stock Units on December 20, 2024, demonstrates ongoing equity compensation for key management.

Negatives

• A total of 731 shares of common stock were disposed of to cover tax withholding obligations, reducing the net shares acquired from the RSU vestings.

Future Outlook

The remaining 2,666 Restricted Stock Units from the December 20, 2024 grant are expected to vest in two approximately equal installments on the second and third anniversaries of the grant date, subject to continued employment. Additionally, 1,666 RSUs from the December 19, 2023 grant remain unvested and will vest in future installments.

Industry Context

This filing represents a routine insider transaction related to equity compensation, common across all industries, including the insurance sector, to align management incentives with shareholder interests.

Stakeholder Impact

• Shareholders: The transactions represent a routine part of executive compensation, aligning management's interests with shareholders through equity ownership. The tax-related sales are a common and expected part of RSU vesting.

Next Steps

• Future vesting of the remaining 2,666 Restricted Stock Units from the December 20, 2024 grant on their respective anniversary dates.
• Future vesting of the remaining 1,666 Restricted Stock Units from the December 19, 2023 grant on their respective anniversary dates.

Key Dates

Keywords

Universal Insurance Holdings, UVE, Gary Ropiecki, SEC Form 4, Insider Transaction, Restricted Stock Units, RSU Vesting, Equity Compensation, Stock Ownership, Tax Withholding