Insider Trading February 23, 2026

SFS Holding Corp. Disposes of $8.8M in UWM Class A Stock During Late-February Trades

Three equal block sales reduce SFS’ indirect stake as UWM pushes forward with a $1.3B acquisition of Two Harbors and draws fresh analyst coverage

By Derek Hwang UWMC TWO
SFS Holding Corp. Disposes of $8.8M in UWM Class A Stock During Late-February Trades
UWMC TWO

SFS Holding Corp., a roughly 10% stakeholder in UWM Holdings Corp (NYSE: UWMC), sold 1,898,622 shares of UWM Class A common stock across three transactions from February 19 to February 23, 2026, generating about $8.8 million. The disposals reduced SFS’ indirect holdings to 4,596,407 shares. Separately, UWM announced an all-stock acquisition of Two Harbors Investment Corp valued at $1.3 billion and Jefferies commenced coverage with a Hold rating and a $5.00 price target.

Key Points

  • SFS Holding Corp. sold a total of 1,898,622 shares of UWM Class A common stock across three equal transactions from Feb. 19-23, 2026, raising approximately $8.8 million.
  • After the sales SFS indirectly holds 4,596,407 UWM Class A shares; Mat Ishbia is reported to indirectly hold these securities through SFS Corp.
  • UWM disclosed an all-stock acquisition of Two Harbors valued at $1.3 billion, offering 2.3328 UWM Class A shares per Two Harbors share (implied value $11.94 and a 21% premium on the 30-day VWAP), and Jefferies began coverage with a Hold rating and a $5.00 target.

SFS Holding Corp., which holds an approximately 10% stake in UWM Holdings Corp (NYSE: UWMC), completed the sale of 1,898,622 shares of UWM Class A common stock between February 19 and February 23, 2026. The transactions collectively generated about $8.8 million in proceeds, with per-share prices in the range of $4.52 to $4.77.

The block sales were carried out in three equal tranches of 632,874 shares each. The initial sale occurred on February 19, when 632,874 shares were sold at a weighted average price of $4.77 per share. On February 20, an identical number of shares changed hands at a weighted average price of $4.64 per share. The final tranche took place on February 23, with 632,874 shares sold at a weighted average price of $4.52.

Following these dispositions, SFS Holding Corp. indirectly retained 4,596,407 shares of UWM Class A common stock. The filings indicate that Mat Ishbia, UWM’s chief executive, also indirectly holds these equities through SFS Corp.

At the time of reporting, UWM’s Class A common stock was trading at $4.53, reflecting a 6.4% decline over the most recent week.


In a separate corporate development disclosed by UWM Holdings Corporation, the company announced a plan to acquire Two Harbors Investment Corp in an all-stock transaction valued at $1.3 billion. Under the terms provided, Two Harbors shareholders will receive 2.3328 shares of UWM Class A common stock for each outstanding share of Two Harbors, a conversion that equates to $11.94 per Two Harbors share based on the stated valuation.

The proposal represents a 21% premium relative to Two Harbors’ 30-day volume-weighted average price, according to the announcement of the transaction terms.

Separately, Jefferies initiated coverage of UWM Holdings with a Hold rating and set a $5.00 price target. The bank’s stated target is characterized as roughly eight times its forecasted earnings per share for 2027.

These items together - concentrated insider sales, an all-stock acquisition, and the start of analyst coverage with a cautious rating - represent a series of developments that investors and market participants will weigh in assessing the near-term outlook for UWM’s shares.

Risks

  • Large, concentrated share disposals by a roughly 10% owner could exert selling pressure on UWM’s stock price in the near term, affecting equity market liquidity and investor sentiment.
  • The all-stock structure of the proposed Two Harbors acquisition introduces potential dilution considerations for current UWM Class A shareholders and leaves valuation exposure tied to UWM’s share performance.
  • Jefferies’ Hold rating and a $5.00 price target - described as about eight times projected 2027 EPS - may temper upside expectations among investors and influence market perception of UWM’s near-term valuation.

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