MHO at a glance
M/I HOMES, INC. (MHO, SEC CIK 799292) filed its latest 10-K annual report on February 13, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on July 29, 2026 and Form 4 insider filings as recently as August 13, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), M/I HOMES, INC. (MHO) reported revenue of $4.4 billion (down 1.9% from FY2024) and net income of $402.9 million. Diluted EPS was $14.74.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding M/I HOMES, INC. (MHO) shares worth $2.4 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by CREEK PHILLIP G on August 5, 2026 of 6,588 shares at $151.54 per share.
- In the last 90 days, MHO insiders reported 0 open-market purchases ($0) and 7 open-market sales ($7.5M) on Form 4, a net sale of $7.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $4.4B
- −1.9% vs prior year
- Insiders · 90 days
- 0 buys · 7 sells
- Net −$7.5M
- 13F holders
- 30 funds
- $2.4B · +0 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: design, construct, market, and sell single-family homes and townhomes, plus ancillary mortgage and title services
- New emphasis on inventory homes with 68% of 2025 deliveries as inventory, up from 60% in 2024, supporting Ready Now Homes program for faster closings
- Strategic focus on affordability via “Smart Series” homes, now 52% of 2025 sales, targeting entry-level and move-down buyers with multi-family expansions
- Backlog declined to 1,809 homes ($989.9M) at 2025 year-end from 2,531 homes ($1.4B) in 2024, reflecting lower demand and increased inventory home sales
- Celebrated 50th year in business in 2026, reinforcing brand trust during challenging housing market with elevated mortgage rates and affordability concerns
Management Discussion & Analysis
- Revenue $4.29B, net income $369M, net income declined $160.8M YoY, home deliveries 8,921 units down from prior year
- Operating margin impacted by increased land and housing costs of $3.35B and SG&A of $452M, net income margin approx. 8.6% on $4.29B revenue
- Best segment: Homebuilding with $4.29B revenue; financial services had weighted borrowings $725M at 5.37% interest
- Cash from operations $137.3M vs $179.7M in 2024, used $210M in financing primarily for $202M buybacks, invested $59.7M in investing activities
- 2026 outlook: Expect continued share repurchases, cautious land spending, offering mortgage interest rate buydown incentives amid high mortgage rates and inflation risks
Risk Factors
- Regulatory risk: Warranty claims in Florida; $11.2M warranty charges for attic ventilation issues in two Florida communities impacting reserves
- Macroeconomic threat: Elevated mortgage rates contributed to 4% decrease in new contracts and 2% revenue decline to $4.4B in 2025
- Operational vulnerability: Inventory impairment charges totaled $47.7M in 2025 including $30.9M in Southern region, affecting margins and costs
- Competitive risk: Increased realtor commissions rose $8.9M in 2025 due to higher competition for homebuyers and larger community count
- Financial risk: Homebuilding debt-to-capital ratio improved to 18% in 2025 but slower absorption pace declined to 3.0 homes/month from 3.3 in 2024
AI summary of the MHO 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $1.06B, down 9% YoY from $1.16B, driven by fewer deliveries and lower average selling prices
- Gross margin 22.1% vs 24.7% YoY; homebuilding margin 19.7% vs 22.6%
- Southern homebuilding revenue $578.3M, operating income $49.9M; Northern revenue $452.6M, operating income $58.2M
- Operating cash flow and cash position figures not provided; land acquisitions $210.3M and development $259.1M
- Outlook: elevated rates, affordability pressure, inflation, tariffs and uncertainty may persist through remainder of 2026; average communities targeted up 5%
Risk Factors
- No risk-factors section provided; supplied text covers Items 2–6 only
- Share-repurchase liquidity constraint from 2028 Senior Notes indenture, limited to the positive restricted-payments basket
- $120.3 million remaining under 2025 Share Repurchase Program after $383,000 quarterly purchases
- No defaults upon senior securities reported for quarter ended June 30, 2026
- No director or officer trading-arrangement changes under Regulation S-K Item 408(a)
AI summary of the MHO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Fiscal second-quarter and first-half 2026 results reported for periods ended June 30, 2026
- Press release dated July 29, 2026 contains financial results and forward-looking statements
Item EX-99.1: Item EX-99.1
- Q2 revenue fell 9% to $1.1B and net income declined 35% to $79M, or $3.02 diluted EPS
- New contracts rose 15% to a record 2,387, but deliveries fell 6% to 2,206, limiting near-term revenue conversion
Item 5.07: Submission of Matters to a Vote of Security Holders
- Phillip G. Creek, Eugene D. Smith, and Bruce A. Soll reelected directors through 2029 annual meeting
- Executive compensation approved on advisory basis, with 20,731,332 votes for and 930,628 against
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 results covered three months ended March 31, 2026
- Press release issued April 22, 2026 with financial results and forward-looking statements
Item EX-99.1: Item EX-99.1
- Q1 revenue fell 6% to $921 million, while pre-tax income dropped 39% to $89 million
- Net income declined to $68 million, or $2.55 diluted EPS, from $111 million and $3.98
AI summaries of MHO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for MHO
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| SOLL BRUCE A | A | Aug 12, 2026 | 215 | $151.07 |
| CREEK PHILLIP G | Sell | Aug 5, 2026 | 6,588 | $151.54 |
| CREEK PHILLIP G | Sell | Aug 5, 2026 | 2,868 | $150.53 |
| CREEK PHILLIP G | M | Aug 5, 2026 | 10,000 | $51.82 |
| CREEK PHILLIP G | M | Aug 5, 2026 | 10,000 | - |
| CREEK PHILLIP G | Sell | Aug 5, 2026 | 544 | $152.09 |
| CREEK PHILLIP G | M | Aug 4, 2026 | 12,000 | - |
| CREEK PHILLIP G | Sell | Aug 4, 2026 | 10,000 | $150.13 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $4.5B | $4.4B |
| Operating Income | - | $706.1M | $506.6M |
| Net Income | $465.4M | $563.7M | $402.9M |
| Op. Margin | - | 15.7% | 11.5% |
| Net Margin | - | 12.5% | 9.1% |
| Balance Sheet | |||
| Total Assets | - | $4.5B | $4.8B |
| Equity | $2.5B | $2.9B | $3.2B |
| ROE | 18.5% | 19.2% | 12.7% |
| Per Share | |||
| EPS | $16.21 | $19.71 | $14.74 |
| Cash Flow | |||
| Operating CF | - | $179.7M | $137.3M |
| CapEx | $5.8M | $8.4M | $9.6M |
Source: XBRL data in M/I HOMES, INC. (MHO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate MHO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $2.35B |
| Q1 2026 | 30 | $1.75B |
| Q4 2025 | 30 | $1.81B |
| Q3 2025 | 31 | $2.10B |
| Q2 2025 | 30 | $1.59B |
| Q1 2025 | 27 | $1.09B |
| Q4 2024 | 23 | $1.05B |
| Q3 2024 | 20 | $884.9M |
- Goldman Sachs Group+160.1K (+37%)
- Franklin Resources+93.2K (+20%)
- State Street Corp+67.1K (+5%)
- Bank of America Corp+49.9K (+34%)
- Two Sigma Investments+46.1K (+48%)
- Millennium Management−74.1K (-14%)
- Citadel Advisors LLC−25.7K (-90%)
- JPMorgan Chase & Co−24.2K (-8%)
- D.E. Shaw & Co−21.3K (-22%)
- Vanguard Portfolio Management LLC−18.1K (-2%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 221 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
MHO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 13, 2026 | - | - | - |
| SC 13G | Aug 11, 2026 | - | - | |
| SC 13G | Aug 7, 2026 | - | - | |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | May 14, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| 8-K | May 14, 2026 | - | Analysis | |
| 4 | May 14, 2026 | - | - | |
| SC 13G | May 14, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| SC 13G | May 12, 2026 | - | - | |
| SC 13G | Apr 30, 2026 | - | - | |
| 10-Q | Apr 24, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| 8-K | Mar 4, 2026 | - | Analysis | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 20, 2026 | - | - | |
| 4 | Feb 19, 2026 | - | - | |
| 4 | Feb 19, 2026 | - | - | |
| 4 | Feb 19, 2026 | - | - | |
| 4 | Feb 17, 2026 | - | - |
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MHO SEC filings: frequently asked questions
Are MHO insiders buying or selling?
In the last 90 days, M/I HOMES, INC. (MHO) officers, directors and 10% owners reported no open-market purchases and 7 open-market sales worth $7.5 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold MHO stock?
As of June 30, 2026, the largest M/I HOMES, INC. (MHO) holders among the 13F filers tracked by SignalX were BlackRock ($769.8 million), State Street Corp ($213.3 million), FMR LLC (Fidelity) ($197.8 million), Vanguard Capital Management LLC ($177.8 million), Vanguard Portfolio Management LLC ($176.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was MHO's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), M/I HOMES, INC. (MHO) reported revenue of $4.4 billion (down 1.9% from FY2024) and net income of $402.9 million. Diluted EPS was $14.74. The figures come from the XBRL data in the 10-K.
What are the main risks in MHO's latest 10-K?
In the 10-K filed February 13, 2026, M/I HOMES, INC. (MHO) flagged: Regulatory risk: Warranty claims in Florida; $11.2M warranty charges for attic ventilation issues in two Florida communities impacting reserves. Macroeconomic threat: Elevated mortgage rates contributed to 4% decrease in new contracts and 2% revenue decline to $4.4B in 2025. (AI summary of the Risk Factors section.)
What did MHO report in its latest 8-K?
M/I HOMES, INC. (MHO) filed an 8-K on July 29, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Fiscal second-quarter and first-half 2026 results reported for periods ended June 30, 2026.
What are the latest MHO SEC filings?
M/I HOMES, INC. (MHO) filed its latest 10-K annual report on February 13, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on July 29, 2026 and a Form 4 insider filing on August 13, 2026.
What is MHO's SEC CIK number?
M/I HOMES, INC. (MHO)'s SEC Central Index Key (CIK) is 799292. EDGAR lists every MHO filing under that number.
Ask anything about MHO
The research agent reads MHO's filings, financials, insider trades and 13F holders, then answers with sources.