Recent 8-K filings for VEL

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

  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.

• 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%).

• 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 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.

• 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 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.

• 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.

• 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 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 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).

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.40 · Most common event earnings

12 positive 0 negative 21 neutral

source · VEL on sec.gov