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as of 03-09-2026 3:41pm EST
Heritage Insurance Holdings Inc is a regional property and casualty insurance company that offers a variety of personal and commercial insurance products. Through its subsidiaries, Heritage Property & Casualty Insurance, Narragansett Bay Insurance, and Zephyr Insurance, the company issues personal residential property insurance in various states in the United States. It also offers commercial residential insurance predominantly for its Florida properties. Heritage Insurance manages insurance underwriting, customer services, actuarial analysis, distribution, and claims processing internally. Company operates in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina.
| Founded: | 2012 | Country: | United States |
| Employees: | N/A | City: | TAMPA |
| Market Cap: | 898.0M | IPO Year: | 2014 |
| Target Price: | $32.50 | AVG Volume (30 days): | 322.2K |
| Analyst Decision: | Buy | Number of Analysts: | 3 |
| Dividend Yield: | N/A | Dividend Payout Frequency: | quarterly |
| EPS: | 4.17 | EPS Growth: | N/A |
| 52 Week Low/High: | $9.89 - $31.98 | Next Earning Date: | 06-12-2026 |
| Revenue: | $816,985,000 | Revenue Growth: | N/A |
| Revenue Growth (this year): | 5.45% | Revenue Growth (next year): | 7.27% |
| P/E Ratio: | 6.47 | Index: | N/A |
| Free Cash Flow: | 78.9M | FCF Growth: | -55.65% |
Stock Insider Trading Activity of Heritage Insurance Holdings Inc. (HRTG)
Chief Executive Officer
Avg Cost/Share
$24.48
Shares
8,334
Total Value
$200,999.40
Owned After
1,120,370
Chief Executive Officer
Avg Cost/Share
$26.35
Shares
8,334
Total Value
$216,915.68
Owned After
1,120,370
Chief Executive Officer
Avg Cost/Share
$29.48
Shares
8,334
Total Value
$245,668.82
Owned After
1,120,370
SEC Form 4
Chief Executive Officer
Avg Cost/Share
$28.85
Shares
1,709
Total Value
$49,298.33
Owned After
1,120,370
SEC Form 4
Chief Executive Officer
Avg Cost/Share
$28.42
Shares
6,291
Total Value
$178,814.13
Owned After
1,120,370
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Garateix Ernie J | HRTG | Chief Executive Officer | Feb 20, 2026 | Sell | $24.48 | 8,334 | $200,999.40 | 1,120,370 | |
| Garateix Ernie J | HRTG | Chief Executive Officer | Jan 20, 2026 | Sell | $26.35 | 8,334 | $216,915.68 | 1,120,370 | |
| Garateix Ernie J | HRTG | Chief Executive Officer | Dec 22, 2025 | Sell | $29.48 | 8,334 | $245,668.82 | 1,120,370 | |
| Garateix Ernie J | HRTG | Chief Executive Officer | Dec 12, 2025 | Sell | $28.85 | 1,709 | $49,298.33 | 1,120,370 | |
| Garateix Ernie J | HRTG | Chief Executive Officer | Dec 11, 2025 | Sell | $28.42 | 6,291 | $178,814.13 | 1,120,370 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Feb 23, 2026 · 100% conf.
Q4 2025 Earnings
8-K BUYFeb 23, 2026 · 100% conf.
1D
+4.22%
$24.45
5D
+17.24%
$27.50
20D
+24.93%
$29.31
8-K
false 0001598665 0001598665 2026-02-23 2026-02-23
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 23, 2026
HERITAGE INSURANCE HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
Delaware
001-36462
45-5338504
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
1401 N. Westshore Blvd Tampa, Florida
33607
(Address of principal executive offices)
(Zip Code) Registrant’s telephone number, including area code: (727) 362-7202
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, par value $0.0001 per share
HRTG
New York Stock Exchange Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Conditions.
On February 23, 2026, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing preliminary financial results for its fiscal quarter ended December 31, 2025 and the date for the release of the Company’s fourth quarter and full year 2025 financial results. A copy of the press release is attached hereto as Exhibit 99.1.
Item 7.01 Regulation FD Disclosure.
In addition, the Company plans to participate in the Association of Insurance and Financial Analysts 2026 Annual Conference on March 3, 2026 and may discuss the matters disclosed in Item 2.02 above and the accompanying Exhibit 99.1 while at the conference. The information furnished under Items 2.02 and 7.01 of this Current Report, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits. The following exhibit is being furnished as part of this Current Report on Form 8-K.
No.
Exhibit
99.1
Press Release dated February 23, 2026.
104
Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
HERITAGE INSURANCE HOLDINGS, INC.
Date: February 23, 2026
By:
/s/ Kirk Lusk
Kirk Lusk Chief Financial Officer
2025 Q3 Q3 2025 Earnings
8-K Nov 5, 2025
Q3 2025 Earnings
8-KNov 5, 2025
8-K
false 0001598665 0001598665 2025-11-05 2025-11-05
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 5, 2025
HERITAGE INSURANCE HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
Delaware
001-36462
45-5338504
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
1401 N. Westshore Blvd Tampa, Florida
33607
(Address of principal executive offices)
(Zip Code) Registrant’s telephone number, including area code: (727) 362-7202 (Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, par value $0.0001 per share
HRTG
New York Stock Exchange Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Conditions.
On November 5, 2025, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended September 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1. The information furnished under this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits. The following exhibit is being furnished as part of this Current Report on Form 8-K.
No.
Exhibit
99.1
Press Release dated November 5, 2025.
104
Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
HERITAGE INSURANCE HOLDINGS, INC.
Date: November 5, 2025
By:
/s/ Kirk Lusk
Kirk Lusk Chief Financial Officer
3
2025 Q2 Q2 2025 Earnings
8-K Aug 5, 2025
Q2 2025 Earnings
8-KAug 5, 2025
8-K
false 0001598665 0001598665 2025-08-05 2025-08-05
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 5, 2025
HERITAGE INSURANCE HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
Delaware
001-36462
45-5338504
(State or other jurisdiction of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
1401 N. Westshore Blvd Tampa, Florida
33607
(Address of principal executive offices)
(Zip Code) Registrant’s telephone number, including area code: (727) 362-7202 (Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, par value $0.0001 per share
HRTG
New York Stock Exchange Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Conditions.
On August 5, 2025, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended June 30, 2025. A copy of the press release is attached hereto as Exhibit 99.1. The information furnished under this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits. The following exhibit is being furnished as part of this Current Report on Form 8-K.
No.
Exhibit
99.1
Press Release dated August 5, 2025.
104
Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
HERITAGE INSURANCE HOLDINGS, INC.
Date: August 5, 2025
By:
/s/ Kirk Lusk
Kirk Lusk Chief Financial Officer
3
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