Velocity Financial, Inc. (VEL)

Over the past six months, Velocity Financial's stock price has experienced some fluctuations. As of November 25, 2025, the share price was $18.90, representing a decline of 7.49% from November 26, 2024. Key events include Citizens maintaining a "Market Outperform" recommendation on November 7, 2025, and the company reporting its Third Quarter 2025 results on November 6, 2025. The company announced the date for its Third Quarter 2025 financial results webcast and conference call on October 23, 2025. Velocity Financial held its Second Quarter 2025 Results Conference Call on August 7, 2025. The company held its First Quarter 2025 Results Webcast & Conference Call on May 1, 2025. On March 6, 2025, Velocity Financial, Inc. reported its Fourth Quarter and Full Year 2024 results, with net income of $68.4 million and core net income of $72.9 million for the full year 2024.

The provided information does not explicitly detail the demand seasonality for Velocity Financial, Inc.'s products and services. The company operates in the real estate finance market, focusing on investor loans for residential rental and small commercial properties. Positive market trends suggest a generally consistent underlying demand for their loan products. The company's loan production has shown robust and sustained demand, indicating strong and growing demand for their specialized lending products, but does not specifically address seasonal fluctuations.

Velocity Financial, Inc., founded in 2004 and based in Westlake Village, California, is a real estate finance company operating in the Mortgage Finance industry. It is a vertically integrated company that originates, securitizes, and manages business-purpose loans secured by real estate, including residential rental properties and commercial properties. The company offers products through independent mortgage brokers and direct borrower relationships, focusing on serving independent real estate investors and small business owners.

Velocity Financial, Inc. operates nationwide across the United States, originating loans in 45 states and Washington, D.C., through its network of independent mortgage brokers. Its corporate office is in Westlake Village, California, and it operates in states such as New York, California, Florida, and New Jersey, among others.

Velocity Financial has an established franchise with strong brand recognition, particularly among its network of independent mortgage brokers. The company has a 21-year history of exceptional service and strong financial performance. Velocity Financial has also successfully built a solid reputation with MBS investors, having executed 42 securitizations since 2011. No specific events negatively impacting Velocity Financial, Inc.'s brand reputation in the past year were found.

Velocity Financial's ownership primarily resides with institutional investors. As of November 25, 2025, there are 254 institutional owners and shareholders holding a total of 38,621,576 shares. Major institutional owners include Snow Phipps Group, LLC, Allianz Asset Management GmbH, and BlackRock, Inc. As of February 16, 2023, there were approximately 1,500 beneficial holders of the company's common stock.