{"filings":[{"id":658236,"accession_number":"0001193125-26-238356","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-05-26T16:15:04+00:00","items":["5.07","9.01"],"status":"ready","headline":"Velocity Financial shareholders re-elect all 8 directors, approve say-on-pay, ratify RSM US LLP as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 8 director nominees re-elected; e.g., Dorika M. Beckett received 24,668,443 For, 12,440 Against.","Advisory vote on named executive officer compensation approved: 24,590,950 For, 92,104 Against.","Ratification of RSM US LLP as 2026 independent auditor passed: 25,860,650 For, 2,294 Against, 6,528 Abstain.","Meeting held May 21, 2026; results filed May 26, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94736,"accession_number":"0001193125-26-210739","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q1 2026 earnings presentation; no specific results in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company furnished its first quarter 2026 earnings presentation on its IR website as Exhibit 99.","The 8-K does not disclose any financial figures; only the availability of the presentation is reported.","Investors must access the presentation directly at www.velfinance.com to review performance details.","No forward-looking guidance or material non-public information was provided in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94735,"accession_number":"0001193125-26-209160","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q1 net income up 18.4% to $22.4M; core EPS $0.68","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $22.4M vs $18.9M in 1Q25; diluted EPS $0.57 vs $0.51.","Core net income $26.5M (+30.8%); core diluted EPS $0.68 vs $0.55.","Portfolio NIM 3.56%, up 21 bps; loan production $639.4M, flat YoY.","NPL ratio improved to 10.1% from 10.8%; NPL resolutions $70.1M UPB.","Completed two securitizations totaling $513.8M; liquidity $329M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107335,"accession_number":"0001193125-26-104483","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-03-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q4 net income up 69% YoY to $34.8M; diluted EPS $0.89","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $34.8M, up 69% from $20.6M in 4Q24; diluted EPS $0.89 vs $0.57.","Core net income $36.3M, up 67% from $21.8M; core diluted EPS $0.93 vs $0.60.","Diluted book value per share $17.19, up 20.5% from $14.26 at Dec 2024.","Loan production $634.6M, up 12.6% YoY; NPL ratio improved to 8.5% from 10.7%.","Completed two securitizations totaling $646.3M; liquidity $116.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107334,"accession_number":"0001193125-26-104323","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-03-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q4/FY2025 earnings presentation to IR website","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation made available on March 11, 2026; no financial details were disclosed in the 8-K filing.","The filing is under Item 7.01 (Regulation FD) and the presentation is furnished, not filed.","Management presentation covers fourth quarter and full year 2025 results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107333,"accession_number":"0001193125-26-031817","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Velocity Financial subsidiary issues $500M 9.375% Senior Notes due 2031; redeems 2027 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M principal of 9.375% Senior Notes due 2031 by Velocity Commercial Capital, guaranteed by Velocity Financial.","Net proceeds ~$487M; $222.7M to redeem outstanding 7.125% Senior Secured Notes due 2027.","Remaining proceeds for general corporate purposes, including up to $75M for potential acquisition.","Interest payable semi-annually starting Aug 15, 2026; notes mature Feb 15, 2031.","Callable at 104.668% in 2028, stepping down to par in 2030; change of control trigger at 101%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107332,"accession_number":"0001193125-26-028066","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Velocity Financial prices $500M senior notes at 9.375% due 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal of 9.375% Senior Notes due Feb 15, 2031, priced at 100% of par.","Net proceeds estimated at ~$487M; ~$222.7M to redeem outstanding 7.125% Senior Secured Notes due 2027.","Remaining proceeds for general corporate purposes, including up to $75M for a potential acquisition.","Notes are senior unsecured, guaranteed by Velocity; not registered under Securities Act; expected close Jan 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107331,"accession_number":"0001193125-26-021758","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-01-26T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Velocity prelim Q4 net income at least $35M (+70%), EPS $0.90; issues $500M notes","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q4 net income at least $35M (+70% YoY); diluted EPS at least $0.90 (+56%).","FY 2025 net income at least $105M (+53%); originations $2.7B (+48%); portfolio UPB $6.5B (+28%).","Nonperforming loans improved to 8.5-8.6% of UPB (FY24:10.7%).","Announced $500M senior notes due 2031; proceeds to redeem $222.7M of 7.125% notes due 2027.","Up to $75M of note proceeds earmarked for a potential business acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":2.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":107330,"accession_number":"0001193125-26-015556","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2026-01-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Velocity Financial approves FY 2026 comp plans tied to Core Net Income growth","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Farrar eligible for cash bonus $0–$1.5M; threshold $750k, max $1.5M based on Core Net Income growth.","CFO Szczepaniak cash bonus range $0–$700k; threshold $350k, max $700k.","EVP Taylor cash bonus range $0–$550k; threshold $275k, max $550k.","PSU grants: Farrar 0–178,570 shares, Szczepaniak & Taylor 0–38,264 shares each over 3-year average growth.","Bonuses and PSU vesting subject to Compensation Committee certification after fiscal year-end 2026 and 2028 respectively."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123691,"accession_number":"0001193125-25-320465","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-12-16T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"Velocity Financial sells $133.2M non-performing loans at premium, starts servicing mandate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $133.2M UPB of non-performing loans at significant premium to current balance sheet mark.","First-ever Third Party Servicing mandate to manage those loans for the buyer, creating capital-light fee revenue.","Transaction expected to close prior to year-end 2025; releases capital for portfolio growth and enhanced ROE.","Transaction reflects market appreciation for Velocity's origination and asset management capabilities."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123688,"accession_number":"0001193125-25-272643","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K/A","filed_at":"2025-11-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q3 2025 earnings presentation; no specific financial figures in excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company made its Q3 2025 earnings presentation available on its IR website.","Presentation covers third quarter 2025 performance but detailed data not included in filing text.","This filing is an amendment to add XBRL tagging for the previously furnished presentation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123690,"accession_number":"0001193125-25-272032","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q3 2025 earnings presentation to investor website","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Posted management's Q3 2025 earnings presentation to www.velfinance.com on November 6, 2025.","The full presentation content is not provided; specific financial figures cannot be extracted from this filing.","Presentation disclosed under Regulation FD to ensure broad investor access."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":123689,"accession_number":"0001193125-25-271180","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q3 net income $25.4M, up 60.6% YoY; diluted EPS $0.65","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $25.4M, up 60.6% YoY; diluted EPS $0.65 vs $0.44 in 3Q24.","Core net income $26.9M, up 58.9%; core diluted EPS $0.69 vs $0.47.","Record loan production $739M, up 55%; includes $23.9M construction loan origination.","Portfolio NIM 3.65%, up 5 bps; NPL ratio 9.8% improved from 10.3% in 2Q25 and 10.6% in 3Q24.","Completed two securitizations in Q3: $190.9M single counterparty and $457.5M VCC 2025-4."],"consensus_eps_estimate":null,"consensus_eps_actual":1.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140376,"accession_number":"0001193125-25-176444","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q2 net income up 76% to $26.0M; diluted EPS $0.69","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $26.0M vs $14.8M in 2Q24 (+75.9%); diluted EPS $0.69 vs $0.42.","Core net income of $27.5M vs $15.9M (+72.6%); core diluted EPS $0.73 vs $0.45.","Management cites record production volume and strong portfolio earnings as drivers.","No forward guidance or other material updates provided in the release."],"consensus_eps_estimate":null,"consensus_eps_actual":1.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":140375,"accession_number":"0000950170-25-105574","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-08-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q2 2025 earnings presentation to website; no financial figures in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company furnished management Q2 2025 earnings presentation as Exhibit 99 to this 8-K.","Presentation dated August 7, 2025, was posted to www.velfinance.com.","Filing does not include any specific financial data from the presentation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158026,"accession_number":"0001193125-25-129304","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Velocity Financial shareholders re-elect all directors and approve all proposals at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees re-elected with majority votes; Dorika M. Beckett received 23.3M for, 124.7K against.","Advisory vote on 2024 executive compensation approved: 23.2M for, 160.6K against, 113K abstain.","RSM US LLP ratified as independent auditor for 2025: 24.4M for, 110.6K against.","Increase to share reserve under 2020 Omnibus Incentive Plan approved: 23.3M for, 172.4K against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158025,"accession_number":"0001193125-25-111126","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Q1 net income rises 9.5% YoY to $18.9M; record loan production $640.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.51 ($0.55 core), up from $0.49 ($0.51 core) in 1Q24.","Record loan production of $640.4M UPB, up 69.1% YoY.","Portfolio NIM 3.35%, flat YoY; NPL ratio 10.8% vs 10.1% a year ago.","GAAP book value per share $16.19, up 15.6% from $14.01 in 1Q24.","Completed VCC 2025-1 securitization ($342.8M) and collapsed VCC 2023-1R, releasing $52.6M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158024,"accession_number":"0000950170-25-062371","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q1 2025 earnings presentation; no specific figures in 8-K","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company posted management's Q1 2025 earnings presentation on its IR website.","The 8-K and attached exhibit contain only a cover slide; no financial data is disclosed.","Presentation dated May 1, 2025; no revenue, EPS, or loan metrics reported in the filing.","This is a routine Regulation FD disclosure without material new information in the SEC filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158023,"accession_number":"0001193125-25-079244","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-04-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Velocity Financial doubles ATM offering capacity to $100M, shares to 6M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amended equity distribution agreements increase max offering from $50M to $100M.","Maximum shares increased from 4M to 6M, including shares previously sold.","Placement agents are BTIG, LLC and Virtu Americas LLC.","Effective April 11, 2025; legal opinion filed as Exhibit 5.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176413,"accession_number":"0001193125-25-050329","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q4 net income $20.6M, up 19%; record loan production $1.84B in 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 diluted EPS $0.57 vs $0.50 YoY; core diluted EPS $0.60 vs $0.46.","Full-year net income $68.4M, up 30.9% from $52.3M; diluted EPS $1.91.","Loan production Q4 $563.5M UPB, up 60% YoY; full-year record $1.84B.","Portfolio NIM 3.70% vs 3.52% YoY; NPL ratio 10.7% vs 9.7%.","Book value per share $15.70, up 16.4% from $13.49; liquidity $95.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176412,"accession_number":"0000950170-25-035992","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q4 2024 earnings presentation to IR website; no financial figures in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Management presentation for Q4 and full-year 2024 results was posted to www.velfinance.com on March 6, 2025.","The filing furnishes the presentation under Item 7.01 Regulation FD Disclosure; no specific financial data is included in the 8-K.","Investors must view the presentation directly on the company's website for results details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":176411,"accession_number":"0000950170-25-007452","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Velocity Financial approves FY2025 cash incentive and PSU programs for executives","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Cash bonus for CEO, CFO, EVP tied to 2025 Core Net Income Annual Growth; threshold bonuses $315k, $147.7k, $118.1k; max $1.26M, $590.6k, $472.5k.","Executives also eligible for individual performance bonuses up to same amounts based on leadership, risk management, strategic initiatives.","PSU grants vest based on average Core Net Income Annual Growth over 2025-2027; CEO eligible for 0-154,090 shares; CFO/EVP 0-37,194 each.","Bonuses and PSUs require Compensation Committee certification after fiscal year-end (cash) or 2027 (PSUs)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193267,"accession_number":"0001193125-24-277968","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-12-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Velocity Financial updates registration statement reference in equity distribution agreements","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Company entered into Amendment No. 1 to Equity Distribution Agreements dated May 3, 2024.","Amendment only updates the registration statement file number from 333-258971 to 333-283513.","Maximum aggregate offering amount remains unchanged at $50,000,000.","No changes to terms or pricing of the at-the-market offering program."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193266,"accession_number":"0001193125-24-254173","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-11-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q3 net income $15.8M (+30.8% YoY); EPS $0.44; loan production up 64%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $15.8M, diluted EPS $0.44, up from $0.35 YoY; core net income $16.9M, core EPS $0.47.","Loan production $476.8M in UPB, up 12.9% QoQ and 64.1% YoY; record full-year funding expected.","Nonperforming loans 10.6% of HFI (vs 10.1% YoY); resolution gains $2.3M at 103.4% UPB.","Portfolio NIM 3.60% (+26 bps YoY); completed VCC 2024-4 securitization $253.6M at 6.9% rate.","Book value per share $14.91, up 14.7% YoY; recourse debt/equity 1.5x."],"consensus_eps_estimate":null,"consensus_eps_actual":1.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":193265,"accession_number":"0000950170-24-123973","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-11-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q3 2024 earnings presentation to IR website; detailed results not in filing","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Posting of Q3 2024 earnings presentation on November 7, 2024, at www.velfinance.com.","Presentation contains management's discussion of quarterly results, but specific figures are not reproduced in the filing.","No earnings per share, revenue, or guidance figures are available from the filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":1.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209626,"accession_number":"0001193125-24-192891","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q2 net income $14.7M, up 21%; core EPS $0.45; loan production $422M, up 63% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $14.7M (diluted EPS $0.42) vs $12.2M ($0.36) in 2Q23, up 21% YoY.","Core net income $15.9M (core diluted EPS $0.45) vs $12.9M ($0.38) in 2Q23, up 23%.","Loan production $422M UPB (+63% YoY); weighted average coupon 11.0%.","Portfolio net interest margin 3.54%, up 30 bps YoY.","Total managed loan portfolio $4.48B UPB (+20% YoY); NPLs 10.5% of HFI loans."],"consensus_eps_estimate":null,"consensus_eps_actual":0.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":209625,"accession_number":"0000950170-24-089728","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-08-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q2 2024 earnings presentation; no numbers in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing announces management Q2 2024 earnings presentation posted to ir.velfinance.com.","Presentation content is furnished, not filed; no specific financials in the 8-K itself.","Investors must view the presentation directly for quarterly performance details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227743,"accession_number":"0001193125-24-146028","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Velocity Financial shareholders re-elect directors, approve executive pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All eight director nominees re-elected; votes for ranged from 31.8M to 32.2M, against 30k-427k, broker non-votes 349,332.","Advisory vote on 2023 named executive officer compensation approved: 32,192,729 for, 45,527 against, 27,361 abstain.","Ratification of RSM US LLP as independent auditor for 2024 passed: 32,448,407 for, 163,141 against, 3,401 abstain.","Annual meeting held on May 17, 2024; all three proposals carried."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227742,"accession_number":"0001193125-24-130865","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Velocity Financial enters into ATM equity distribution agreements for up to $50M in common stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Entered separate Equity Distribution Agreements with BTIG, LLC and Virtu Americas LLC for at-the-market offering of common stock.","Maximum aggregate offering amount is $50M or 4,000,000 shares, reduced by prior sales of 38,880 shares ($512,931).","Commissions to placement agents not to exceed 2.0% of gross sales price per share.","Net proceeds expected to be used for general corporate purposes, including loan origination, debt repayment, and working capital.","Prior agreement with Virtu Americas LLC superseded; agreement with JMP Securities LLC terminated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227741,"accession_number":"0001193125-24-130708","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q1 net income $17.3M, up 62% YoY; EPS $0.49","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $17.3M ($0.49 diluted EPS) vs $10.6M ($0.31) in 1Q23; core net income $18.2M ($0.51).","Loan production $378.7M UPB, up 7.5% Q/Q and 74.5% YoY; April production $129M at 11.0% WAC.","Nonperforming loans 10.1% of HFI (up from 9.7% Dec 2023); NPL resolutions $54.5M at 102.3%.","Completed $209.9M VCC 2024-1 securitization and issued $75M senior secured notes; book value $14.01."],"consensus_eps_estimate":null,"consensus_eps_actual":0.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":227740,"accession_number":"0000950170-24-052611","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q1 2024 earnings presentation to website; detailed results not included","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Management's first quarter 2024 earnings presentation furnished as Exhibit 99 and posted to velfinance.com.","Presentation dated May 2, 2024, but specific financial figures are not available in the exhibit provided.","No revenue, EPS, or other quantitative results disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":0.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246547,"accession_number":"0001193125-24-062811","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-03-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Velocity Financial Q4 net income $17.4M (EPS $0.50), up 105% YoY; FY net income $52.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $17.4M, diluted EPS $0.50 vs $0.25 in 4Q22; core net income $16.2M ($0.46 per share).","Loan production $352.1M UPB in Q4, up 27% YoY; total loan portfolio $4.1B UPB (+16% YoY).","Portfolio NIM 3.52% in Q4, up 68 bps YoY; weighted average coupon on Q4 production 11.2%.","NPLs as % of HFI loans 9.7%, down from 10.1% at 3Q23; NPL resolutions $70.9M at 102.2% UPB.","Raised $75M capital to fuel growth towards $5B loan portfolio target by 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":675980000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":246546,"accession_number":"0000950170-24-028042","cik":1692376,"company_name":"Velocity Financial, Inc.","ticker":"VEL","form_type":"8-K","filed_at":"2024-03-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Velocity Financial posts Q4 2023 earnings presentation to website; 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