Heritage Insurance Company Top Insiders

HRTG Stock  USD 13.57  0.21  1.52%   
Roughly 66 percent of all Heritage Insurance's insiders are acquiring. The analysis of insider sentiment suggests that a large number of Heritage Insurance Hldgs insiders are, at present, confidant. Heritage Insurance employs about 540 people. The company is managed by 22 executives with a total tenure of roughly 143 years, averaging almost 6.0 years of service per executive, having 24.55 employees per reported executive.
Ernie Garateix  CEO
Chief Executive Officer, Director
Richard Widdicombe  Chairman
Chairman of the Board, President

Insider Sentiment 66

 Mostly Buying

 
Selling
 
Buying

Latest Trades

2025-03-14Paul L WhitingAcquired 10000 @ 13.35View
2024-11-22Nicholas George PappasDisposed 4000 @ 12.64View
2024-08-16Richard A WiddicombeAcquired 4437 @ 14.55View
2024-08-09Ernie J GarateixAcquired 5000 @ 8.59View
2024-05-28Paul L WhitingAcquired 5000 @ 7.74View
2024-05-08Nicholas George PappasDisposed 6000 @ 8.56View
2024-05-07Ernie J GarateixAcquired 5000 @ 8.21View
2024-05-06Paul L WhitingAcquired 50000 @ 8.35View
2024-03-26Nicholas George PappasDisposed 1000 @ 10.87View
Monitoring Heritage Insurance's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
  
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Heritage Insurance Hldgs. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in estimate.

Heritage Insurance's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Heritage Insurance's future performance. Based on our forecasts, it is anticipated that Heritage will maintain a workforce of roughly 540 employees by April 2025.
 
Yuan Drop
 
Covid

Heritage Insurance Management Team Effectiveness

The company has return on total asset (ROA) of 0.0255 % which means that it generated a profit of $0.0255 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.2408 %, meaning that it created $0.2408 on every $100 dollars invested by stockholders. Heritage Insurance's management efficiency ratios could be used to measure how well Heritage Insurance manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Heritage Insurance's Return On Capital Employed is most likely to slightly decrease in the upcoming years. The Heritage Insurance's current Return On Equity is estimated to increase to 0.22, while Return On Tangible Assets are projected to decrease to 0.02. At this time, Heritage Insurance's Intangible Assets are most likely to increase significantly in the upcoming years. The Heritage Insurance's current Fixed Asset Turnover is estimated to increase to 21.76, while Non Current Assets Total are projected to decrease to roughly 103.8 M.
The current Common Stock Shares Outstanding is estimated to decrease to about 22.4 M. The Heritage Insurance's current Net Loss is estimated to increase to about (132 M)

Heritage Insurance Workforce Comparison

Heritage Insurance Hldgs is rated below average in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 17,195. Heritage Insurance holds roughly 540 in number of employees claiming about 3% of equities under Financials industry.
The company has Profit Margin (PM) of 0.08 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.15 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.15.

Heritage Insurance Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Heritage Insurance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Heritage Insurance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Heritage Insurance insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2024-12-01
0.1667
1
6
 3,950 
 79,376 
2024-09-01
2.0
2
1
 9,437 
 4,437 
2024-06-01
12.0
12
1
 104,312 
 6,000 
2024-03-01
2.4
12
5
 937,558 
 504,900 
2023-12-01
0.3636
4
11
 257,137 
 487,140 
2023-03-01
4.0
4
1
 209,460 
 4,200 
2022-12-01
2.25
9
4
 590,905 
 18,176 
2022-03-01
8.5
17
2
 312,180 
 9,799 
2021-12-01
1.3333
4
3
 67,490 
 9,284 
2021-03-01
2.0
4
2
 239,693 
 12,500 
2020-03-01
2.0
2
1
 2,000 
 7,500 
2019-09-01
1.0
1
1
 671.00 
 0.00 
2019-03-01
2.0
2
1
 2,915 
 3,000 
2018-12-01
3.6667
11
3
 41,168 
 112,500 
2018-03-01
3.0
3
1
 96,200 
 0.00 
2017-12-01
0.4286
3
7
 24,680 
 114,595 
2017-03-01
0.125
1
8
 16,000 
 84,000 
2016-06-01
10.0
10
1
 61,352 
 5,000 
2015-12-01
0.72
18
25
 1,244,576 
 223,332 
2015-09-01
0.0476
1
21
 10,000 
 417,312 
2015-03-01
0.0667
1
15
 12,500 
 215,279 
2014-06-01
0.2632
5
19
 315,800 
 0.00 

Heritage Insurance Notable Stakeholders

A Heritage Insurance stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Heritage Insurance often face trade-offs trying to please all of them. Heritage Insurance's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Heritage Insurance's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Ernie GarateixChief Executive Officer, DirectorProfile
Richard WiddicombeChairman of the Board, PresidentProfile
Joseph PeisoVice President - ComplianceProfile
Arash SolemaniExecutive Vice President and Director of Investor RelationsProfile
Sharon BinnunExecutive Vice President - FinanceProfile
Timothy JohnsPresident CompanyProfile
Timothy MouraPresident CompanyProfile
Kirk LuskChief Financial OfficerProfile
Stephen RohdeCFO, Secretary and TreasurerProfile
Panagiotis ApostolouIndependent DirectorProfile
Irini BarlasIndependent DirectorProfile
Mark BersetDirectorProfile
Vijay WalvekarIndependent DirectorProfile
Steven MartindaleDirectorProfile
Nicholas PappasIndependent DirectorProfile
Joseph VattamattamIndependent DirectorProfile
Sharon CPAChief OfficerProfile
Randy JonesPres DivisionProfile
Tim JohnsPresident of Zephyr Insurance CompanyProfile
Tim MouraPresident - Narragansett Bay Insurance CompanyProfile
Ernesto CPCUCEO DirectorProfile
Arlene LuisEx CommercialProfile

About Heritage Insurance Management Performance

The success or failure of an entity such as Heritage Insurance Hldgs often depends on how effective the management is. Heritage Insurance management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Heritage management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Heritage management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.03  0.02 
Return On Capital Employed 0.04  0.05 
Return On Assets 0.02  0.02 
Return On Equity 0.21  0.22 

Heritage Insurance Workforce Analysis

Traditionally, organizations such as Heritage Insurance use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Heritage Insurance within its industry.

Heritage Insurance Manpower Efficiency

Return on Heritage Insurance Manpower

Revenue Per Employee1.5M
Revenue Per Executive37.1M
Net Income Per Employee114K
Net Income Per Executive2.8M

Complementary Tools for Heritage Stock analysis

When running Heritage Insurance's price analysis, check to measure Heritage Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Heritage Insurance is operating at the current time. Most of Heritage Insurance's value examination focuses on studying past and present price action to predict the probability of Heritage Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Heritage Insurance's price. Additionally, you may evaluate how the addition of Heritage Insurance to your portfolios can decrease your overall portfolio volatility.
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