{"schema_version":"secwatch.filing_event.v1","accession":"0000799292-26-000030","form_type":"8-K","ticker":"MHO","cik":"0000799292","company_name":"M/I HOMES, INC.","filed_at":"2026-10-21T11:35:22+00:00","discovered_at":"2026-10-21T11:40:00.300741+00:00","generated_at":"2026-10-21T11:40:09.174982+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"M/I Homes Q3 net income falls 38% to $66.6M; EPS $2.56 vs $3.92 on 5% revenue decline","bullets":["Q3 revenue fell 5% to $1.1B; homes delivered 2,241 (-2%) and new contracts 1,861 (-2%); backlog value $1.1B (-9%) on 2,046 homes (-7%) at $539,000 average.","Net income $66.6M ($2.56/diluted share) vs $106.5M ($3.92); pre-tax income $86.9M, down 38%, including $4.7M inventory charges ($0.14/share).","Gross margin 20.9%, or 21.3% excluding inventory charges; cancellation rate 12% in both periods; community count 246 vs 233 a year ago.","Record equity $3.3B, book value/share $130; cash $621M, no borrowings on $900M credit facility; homebuilding debt/capital 18%, net debt/capital 2%; repurchased $50M stock.","Nine-month net income $213.5M ($8.14/share) vs $339.0M ($12.32); pre-tax $280.6M vs $446.0M; CEO cites higher mortgage rates, weaker demand and economic uncertainty."],"urls":{"canonical":"https://secwatch.observer/filing/0000799292-26-000030","json":"https://secwatch.observer/filing/0000799292-26-000030.json","markdown":"https://secwatch.observer/filing/0000799292-26-000030.md","text":"https://secwatch.observer/filing/0000799292-26-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799292/000079929226000030/0000799292-26-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799292/000079929226000030/mho-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T11:40:09.174982+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}