Recent 8-K filings for VEL

• August 27, 2026, 7:42 AM ET M&A materiality 0.85 positive item 1.01item 7.01item 9.01

  Velocity to acquire Toorak's operating platform; $3.2B total transaction value

  Base purchase price ~$62M plus tangible book value for Toorak's platform; total platform+portfolio value ~$3.2B.

• August 5, 2026, 4:00 PM ET earnings materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q2 2026 earnings presentation; no specific results in filing text

  Company posted Q2 2026 earnings presentation to IR website on August 5, 2026.

• August 5, 2026, 4:00 PM ET earnings materiality 0.65 neutral item 2.02item 9.01

  Velocity Financial Q2 2026 net income $25.2M ($0.64 EPS); core EPS $0.71; loan production $672.6M

  Pretax income $35.2M (+3.9% YoY); net income $25.2M (-3.2% YoY) due to higher tax rate.

• May 26, 2026, 12:15 PM ET other materiality 0.15 neutral item 5.07item 9.01 ◈ Shareholder Votes ×3

  Velocity Financial shareholders re-elect all 8 directors, approve say-on-pay, ratify RSM US LLP as auditor

  All 8 director nominees re-elected; e.g., Dorika M. Beckett received 24,668,443 For, 12,440 Against.

• May 7, 2026, 7:59 PM ET earnings materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q1 2026 earnings presentation; no specific results in filing

  Company furnished its first quarter 2026 earnings presentation on its IR website as Exhibit 99.

• May 6, 2026, 7:59 PM ET earnings materiality 0.55 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q1 net income up 18.4% to $22.4M; core EPS $0.68

  Net income $22.4M vs $18.9M in 1Q25; diluted EPS $0.57 vs $0.51.

• March 13, 2026, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q4 net income up 69% YoY to $34.8M; diluted EPS $0.89

  Net income $34.8M, up 69% from $20.6M in 4Q24; diluted EPS $0.89 vs $0.57.

• March 12, 2026, 7:59 PM ET other material materiality 0.10 neutral item 7.01item 9.01

  Velocity Financial posts Q4/FY2025 earnings presentation to IR website

  Presentation made available on March 11, 2026; no financial details were disclosed in the 8-K filing.

• January 30, 2026, 6:59 PM ET debt materiality 0.65 neutral item 1.01item 8.01item 9.01 ◈ Material Agreements

  Velocity Financial subsidiary issues $500M 9.375% Senior Notes due 2031; redeems 2027 notes

  Issued $500M principal of 9.375% Senior Notes due 2031 by Velocity Commercial Capital, guaranteed by Velocity Financial.

• January 29, 2026, 6:59 PM ET debt materiality 0.60 neutral item 1.01item 8.01item 9.01 ◈ Material Agreements

  Velocity Financial prices $500M senior notes at 9.375% due 2031

  Issued $500M aggregate principal of 9.375% Senior Notes due Feb 15, 2031, priced at 100% of par.

• January 26, 2026, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 8.01item 9.01

  Velocity prelim Q4 net income at least $35M (+70%), EPS $0.90; issues $500M notes

  Preliminary Q4 net income at least $35M (+70% YoY); diluted EPS at least $0.90 (+56%).

• January 20, 2026, 6:59 PM ET other material materiality 0.40 neutral item 5.02

  Velocity Financial approves FY 2026 comp plans tied to Core Net Income growth

  CEO Farrar eligible for cash bonus $0–$1.5M; threshold $750k, max $1.5M based on Core Net Income growth.

• December 16, 2025, 6:59 PM ET other material materiality 0.75 positive item 7.01item 8.01item 9.01

  Velocity Financial sells $133.2M non-performing loans at premium, starts servicing mandate

  Sold $133.2M UPB of non-performing loans at significant premium to current balance sheet mark.

• November 10, 2025, 6:59 PM ET other material materiality 0.10 neutral item 7.01item 9.01

  Velocity Financial posts Q3 2025 earnings presentation; no specific financial figures in excerpt

  Company made its Q3 2025 earnings presentation available on its IR website.

• November 7, 2025, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Velocity Financial Q3 net income $25.4M, up 60.6% YoY; diluted EPS $0.65

  Net income $25.4M, up 60.6% YoY; diluted EPS $0.65 vs $0.44 in 3Q24.

• November 7, 2025, 6:59 PM ET other material materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q3 2025 earnings presentation to investor website

  Posted management's Q3 2025 earnings presentation to www.velfinance.com on November 6, 2025.

• August 8, 2025, 7:59 PM ET other material materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q2 2025 earnings presentation to website; no financial figures in filing

  Company furnished management Q2 2025 earnings presentation as Exhibit 99 to this 8-K.

• August 8, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Velocity Financial Q2 net income up 76% to $26.0M; diluted EPS $0.69

  Net income of $26.0M vs $14.8M in 2Q24 (+75.9%); diluted EPS $0.69 vs $0.42.

• May 28, 2025, 7:59 PM ET other materiality 0.15 neutral item 5.07item 9.01

  Velocity Financial shareholders re-elect all directors and approve all proposals at annual meeting

  All eight director nominees re-elected with majority votes; Dorika M. Beckett received 23.3M for, 124.7K against.

• May 2, 2025, 7:59 PM ET other material materiality 0.05 neutral item 7.01item 9.01

  Velocity Financial posts Q1 2025 earnings presentation; no specific figures in 8-K

  Company posted management's Q1 2025 earnings presentation on its IR website.

• May 2, 2025, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01

  Q1 net income rises 9.5% YoY to $18.9M; record loan production $640.4M

  Diluted EPS $0.51 ($0.55 core), up from $0.49 ($0.51 core) in 1Q24.

• April 14, 2025, 7:59 PM ET other material materiality 0.55 neutral item 8.01item 9.01

  Velocity Financial doubles ATM offering capacity to $100M, shares to 6M

  Amended equity distribution agreements increase max offering from $50M to $100M.

• March 10, 2025, 7:59 PM ET other material materiality 0.25 neutral item 7.01item 9.01

  Velocity Financial posts Q4 2024 earnings presentation to IR website; no financial figures in filing

  Management presentation for Q4 and full-year 2024 results was posted to www.velfinance.com on March 6, 2025.

• March 10, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Velocity Financial Q4 net income $20.6M, up 19%; record loan production $1.84B in 2024

  Q4 diluted EPS $0.57 vs $0.50 YoY; core diluted EPS $0.60 vs $0.46.

• January 22, 2025, 6:59 PM ET other material materiality 0.35 neutral item 5.02

  Velocity Financial approves FY2025 cash incentive and PSU programs for executives

  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.

• December 13, 2024, 6:59 PM ET other materiality 0.10 neutral item 8.01item 9.01

  Velocity Financial updates registration statement reference in equity distribution agreements

  Company entered into Amendment No. 1 to Equity Distribution Agreements dated May 3, 2024.

• November 8, 2024, 6:59 PM ET earnings materiality 0.35 neutral item 7.01item 9.01

  Velocity Financial posts Q3 2024 earnings presentation to IR website; detailed results not in filing

  Posting of Q3 2024 earnings presentation on November 7, 2024, at www.velfinance.com.

• November 8, 2024, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Velocity Financial Q3 net income $15.8M (+30.8% YoY); EPS $0.44; loan production up 64%

  Net income $15.8M, diluted EPS $0.44, up from $0.35 YoY; core net income $16.9M, core EPS $0.47.

• August 2, 2024, 7:59 PM ET other material materiality 0.30 neutral item 7.01item 9.01

  Velocity Financial posts Q2 2024 earnings presentation; no numbers in filing

  Filing announces management Q2 2024 earnings presentation posted to ir.velfinance.com.

• August 2, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  Velocity Financial Q2 net income $14.7M, up 21%; core EPS $0.45; loan production $422M, up 63% YoY

  Net income $14.7M (diluted EPS $0.42) vs $12.2M ($0.36) in 2Q23, up 21% YoY.

• May 23, 2024, 7:59 PM ET other materiality 0.10 neutral item 5.07item 9.01

  Velocity Financial shareholders re-elect directors, approve executive pay, ratify auditor

  All eight director nominees re-elected; votes for ranged from 31.8M to 32.2M, against 30k-427k, broker non-votes 349,332.

• May 3, 2024, 7:59 PM ET earnings materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q1 2024 earnings presentation to website; detailed results not included

  Management's first quarter 2024 earnings presentation furnished as Exhibit 99 and posted to velfinance.com.

• May 3, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q1 net income $17.3M, up 62% YoY; EPS $0.49

  Net income $17.3M ($0.49 diluted EPS) vs $10.6M ($0.31) in 1Q23; core net income $18.2M ($0.51).

• May 3, 2024, 7:59 PM ET other material materiality 0.65 neutral item 1.01item 9.01 ◈ Material Agreements

  Velocity Financial enters into ATM equity distribution agreements for up to $50M in common stock

  Entered separate Equity Distribution Agreements with BTIG, LLC and Virtu Americas LLC for at-the-market offering of common stock.

• March 8, 2024, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q4 net income $17.4M (EPS $0.50), up 105% YoY; FY net income $52.3M

  Q4 net income $17.4M, diluted EPS $0.50 vs $0.25 in 4Q22; core net income $16.2M ($0.46 per share).

• March 7, 2024, 6:59 PM ET earnings materiality 0.25 neutral item 7.01item 9.01

  Velocity Financial posts Q4 2023 earnings presentation to website; no specific results provided in filing

  Company issued an earnings presentation for Q4 and full year 2023, available on its IR website.

• February 14, 2024, 6:59 PM ET other materiality 0.40 neutral item 5.02

  Velocity Financial approves FY2024 incentive programs tied to Core Net Income growth

  CEO Farrar eligible for cash bonus of $315k (threshold) to $1.26M (max) based on 2024 Core Net Income growth.

• February 7, 2024, 6:59 PM ET other materiality 0.15 neutral item 7.01item 9.01

  Velocity Financial adopts incentive compensation clawback policy per NYSE Rule 303A.14

  Policy effective December 1, 2023, applies to recoupment of erroneously awarded incentive compensation from current and former executive officers.

• February 6, 2024, 6:59 PM ET debt materiality 0.55 neutral item 1.01item 2.03item 9.01 ◈ Debt Financings

  Velocity Financial issues $75M 9.875% senior secured notes due 2029

  Issued $75M principal of 9.875% Senior Secured Notes due Feb 15, 2029, through subsidiary Velocity Commercial Capital.

• December 8, 2023, 6:59 PM ET other material materiality 0.50 neutral item 7.01

  Velocity Financial reports Nov originations $117.7M; provides securitization ROE illustration

  November 2023 loan originations totaled $117.7M of unpaid principal balance.

• November 3, 2023, 7:59 PM ET earnings materiality 0.30 neutral item 7.01item 9.01

  Velocity Financial posts Q3 2023 earnings presentation; specific results not disclosed in filing

  Company furnished a management presentation for Q3 2023 on its IR website, via Exhibit 99.

• November 3, 2023, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q3 net income $12.1M (+21% YoY); diluted EPS $0.35 vs $0.29

  Core net income $12.9M (+29% YoY); core diluted EPS $0.37 vs $0.29.

• August 4, 2023, 7:59 PM ET earnings materiality 0.20 neutral item 7.01item 9.01

  Velocity Financial posts Q2 2023 earnings presentation; no specifics in filing

  Management posted Q2 2023 earnings presentation to IR website on August 3, 2023.

• August 4, 2023, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q2 net income $12.2M ($0.36 EPS); loan production down 42% YoY

  Net income $12.2 million, up 14% YoY; diluted EPS $0.36 vs $0.31 in 2Q22.

• May 25, 2023, 7:59 PM ET other material materiality 0.15 neutral item 5.07 ◈ Shareholder Votes ×2

  Velocity Financial shareholders re-elect all directors and approve 2022 exec compensation

  All 8 director nominees re-elected; Omar Maasarani received 14.3M abstentions (43.7%) but still re-elected.

• May 5, 2023, 7:59 PM ET earnings materiality 0.15 neutral item 7.01item 9.01

  Velocity Financial posts Q1 2023 earnings presentation to IR website; no specifics in 8-K

  Filed under Item 7.01; presentation furnished as Exhibit 99 but not reproduced in filing.

• May 5, 2023, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q1 net income $10.6M ($0.31 EPS); core EPS $0.33; loan production down 63% YoY

  GAAP net income $10.6M ($0.31 diluted EPS) vs $3.1M ($0.09) a year ago; core net income $11.4M ($0.33) vs $12.4M ($0.36).

• April 7, 2023, 7:59 PM ET leadership materiality 0.40 neutral item 5.02 ◈ executive_change ×2

  Director Katherine Verner resigns; TOBI designee Omar Maasarani elected to board

  Katherine Verner resigned as director effective April 6, 2023, no disagreements cited.

• March 10, 2023, 6:59 PM ET earnings materiality 0.30 neutral item 7.01item 9.01

  VEL posts earnings presentation for Q4/FY22; no specific figures disclosed in filing

  Management presentation posted to ir.velfinance.com on March 9, 2023 covering Q4 and full year 2022 results.

• March 10, 2023, 6:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01 ◈ Earnings Releases

  Velocity Financial Q4 net income $8.5M; full-year net income $32.2M, record core EPS $1.24

  Q4 net income $8.5M ($0.25 diluted EPS); core net income $9.1M ($0.27 core EPS), down 9.6% YoY.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.85 · Median 0.40 · Most common event earnings

15 positive 0 negative 35 neutral

source · VEL on sec.gov