VEL at a glance
Velocity Financial, Inc. (VEL, SEC CIK 1692376) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 27, 2026 and Form 4 insider filings as recently as September 10, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- As of June 30, 2026, 19 institutional investment managers tracked by SignalX reported holding Velocity Financial, Inc. (VEL) shares worth $71.6 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Szczepaniak Mark R on September 10, 2026 of 2,000 shares at $18.03 per share.
- In the last 90 days, VEL insiders reported 0 open-market purchases ($0) and 8 open-market sales ($250K) on Form 4, a net sale of $250K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Insiders · 90 days
- 0 buys · 8 sells
- Net −$250K
- 13F holders
- 19 funds
- $71.6M · −3 vs prior quarter
- Latest 8-K
- Aug 27, 2026
- Item 1.01 · Item 7.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Portfolio-related net interest margin 3.66% vs 3.82% YoY
- Investor loan originations $672.6M vs $725.4M YoY
- Portfolio $7.0B UPB, up from $5.9B YoY
- $500.0M 9.375% senior notes issued; $215.0M secured debt repaid
Risk Factors
- New acquisition risk: potential mergers, investments, or joint ventures may require financing, approvals, and integration resources
- Retained-interest valuation risk: fair values depend on prepayment, default, loss-severity, discount-rate, and cash-flow assumptions
- Regulatory risk: securitization risk-retention requirements could increase on-balance-sheet credit exposure
- Credit risk: higher delinquencies, defaults, or loss severities could eliminate retained-interest value and delay distributions
- Liquidity risk: weaker investor demand, higher rates, or wider credit spreads could reduce retained-interest monetization возможности
AI summary of the VEL 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 1.01: Entry into a Material Definitive Agreement
- Planned acquisition of Toorak-related companies for approximately $62 million plus estimated tangible book value, subject to adjustments
- Acquired entities become wholly owned subsidiaries, expanding Velocity’s commercial finance platform
Item 7.01: Regulation FD Disclosure
- Proposed Transactions remain subject to regulatory approvals and other closing conditions
- Failure to complete Transactions could adversely affect Velocity’s business and operating results
Item 2.02: Results of Operations and Financial Condition
- Quarterly results released for the period ended June 30, 2026
- Exhibit 99.1 contains the financial results and accompanying investor-relevant details
Item EX-99.1: Item EX-99.1
- Q2 net income fell 3.2% to $25.2 million and diluted EPS declined to $0.64, despite pretax income rising 3.9% to $35.2 million
- Net revenue increased 10.7% to $95.0 million, but operating expenses rose 15.1% to $59.8 million, pressuring earnings conversion
Item 7.01: Regulation FD Disclosure
- Q2 2026 earnings presentation posted to Velocity Financial’s Investor Relations website
- Exhibit 99 contains management’s presentation, providing additional context on quarterly performance
Item EX-99.1: Item EX-99.1
- 2Q26 net income $25.2M, down 3.2% YoY; diluted EPS $0.64 versus $0.69
- Core net income $27.9M, up 1.4% YoY, while portfolio NIM declined 16 bps to 3.66%
AI summaries of VEL 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for VEL
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- Fund moves. Which tracked funds opened, added or cut VEL, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Szczepaniak Mark R | Sell | Sep 10, 2026 | 2,000 | $18.03 |
| Kelly Roland Thomas | Sell | Sep 1, 2026 | 1,600 | $18.00 |
| Tam Fiona | Sell | Aug 11, 2026 | 1,232 | $19.00 |
| Taylor Jeffrey T. | Sell | Aug 11, 2026 | 4,330 | $19.06 |
| Szczepaniak Mark R | Sell | Aug 10, 2026 | 2,000 | $18.16 |
| Kelly Roland Thomas | Sell | Aug 6, 2026 | 1,600 | $18.00 |
| Szczepaniak Mark R | Sell | Aug 6, 2026 | 400 | $18.00 |
| Szczepaniak Mark R | Sell | Jul 28, 2026 | 400 | $18.00 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Net Income | $52.3M | $68.4M | $105.1M | |
| Balance Sheet | ||||
| Total Assets | $4.4B | $5.5B | $7.4B | |
| Equity | $433.4M | $516.9M | $672.5M | |
| ROE | 12.1% | 13.2% | 15.6% | |
| Per Share | ||||
| EPS | $1.52 | $1.91 | $2.75 | |
| Cash Flow | ||||
| Operating CF | $48.8M | $37.8M | $18.2M | |
| CapEx | $180K | $289K | $281K | |
Source: XBRL data in Velocity Financial, Inc. (VEL)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate VEL share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 19 | $71.6M |
| Q1 2026 | 22 | $69.5M |
| Q4 2025 | 20 | $76.2M |
| Q3 2025 | 19 | $70.1M |
| Q2 2025 | 19 | $72.8M |
| Q1 2025 | 17 | $37.3M |
| Q4 2024 | 10 | $25.5M |
| Q3 2024 | 8 | $16.5M |
- Dimensional Fund Advisors+74.2K (+13%)
- D.E. Shaw & Co+36.4K (+41%)
- Vanguard Portfolio Management LLC+35.4K (+53%)
- State Street Corp+31.6K (+14%)
- Renaissance Technologies LLC+23.7K (+86%)
- BlackRock−152.1K (-9%)
- Goldman Sachs Group−39.8K (-14%)
- Bank of America Corp−3.1K (-8%)
- Millennium Management−33.6K
- Two Sigma Investments−17.1K
- U.S. Bancorp−224
- Fifth Third Bancorp−83
Source: 13F-HR filings on SEC EDGAR (aggregated from 134 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
VEL filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 8-K | Aug 27, 2026 | - | Analysis | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 4 | Jul 28, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 9, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | Jun 29, 2026 | - | - | - |
| 4 | May 27, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 8-K | May 26, 2026 | - | Analysis | |
| 4 | May 22, 2026 | - | - | |
| 4 | May 22, 2026 | - | - | |
| 4 | May 22, 2026 | - | - | |
| 8-K | May 7, 2026 | - | Analysis |
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VEL SEC filings: frequently asked questions
Are VEL insiders buying or selling?
In the last 90 days, Velocity Financial, Inc. (VEL) officers, directors and 10% owners reported no open-market purchases and 8 open-market sales worth $250,318 by 4 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold VEL stock?
As of June 30, 2026, the largest Velocity Financial, Inc. (VEL) holders among the 13F filers tracked by SignalX were BlackRock ($27.5 million), Dimensional Fund Advisors ($12.1 million), Vanguard Capital Management LLC ($9.0 million), State Street Corp ($4.6 million), Goldman Sachs Group ($4.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What did VEL report in its latest 8-K?
Velocity Financial, Inc. (VEL) filed an 8-K on August 27, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement) and Item 7.01 (Regulation FD Disclosure). Planned acquisition of Toorak-related companies for approximately $62 million plus estimated tangible book value, subject to adjustments.
What are the latest VEL SEC filings?
Velocity Financial, Inc. (VEL) filed its latest 10-K annual report on March 12, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 27, 2026 and a Form 4 insider filing on September 10, 2026.
What is VEL's SEC CIK number?
Velocity Financial, Inc. (VEL)'s SEC Central Index Key (CIK) is 1692376. EDGAR lists every VEL filing under that number.
Ask anything about VEL
The research agent reads VEL's filings, financials, insider trades and 13F holders, then answers with sources.