Velocity Financial, Inc.
VEL · Finance Services · 39.3M shares · +14%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: -$3M (gross $861K, SBC $4M)
Reference price $19.30 · est. market cap ~$758M — last insider sale, 2026-05-01 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B70Velocity Financial — non-bank investor-real-estate lender with high ROE.
Strengths
- ROE 15.6% (84th pct), ROA (81st), strong FCF (80th)
Risks
- Credit-cycle and securitization-funding sensitivity
- Investor-CRE concentration
Notable findings
Key metrics
Return on equity
15.6%
Return on assets
1.4%
Net-income growth
53.5%
Free cash flow
$18M
Tangible book value
$666M
Cash & investments
$92M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-26 | Pitstick John | Disposition | 3.6K | $17.17 |
| 2026-05-26 | Schaefer Joy L. | Disposition | 3.6K | $17.17 |
| 2026-05-21 | Beckett Dorika M | Grant | 5.4K | $17.55 |
| 2026-05-21 | Schaefer Joy L. | Grant | 5.4K | $17.55 |
| 2026-05-21 | Pitstick John | Grant | 5.4K | $17.55 |
| 2026-05-01 | Szczepaniak Mark R | Sell | 1.6K | $19.30 |
| 2026-04-17 | Taylor Jeffrey T. | Sell | 2.1K | $20.00 |
| 2026-04-01 | Szczepaniak Mark R | Sell | 1.6K | $18.13 |
| 2026-03-31 | Kelly Roland Thomas | Sell | 814 | $18.22 |
| 2026-03-30 | Kelly Roland Thomas | Sell | 14K | $18.03 |
| 2026-03-17 | Kelly Roland Thomas | Sell | 5.2K | $18.06 |
| 2026-03-02 | Szczepaniak Mark R | Sell | 1.6K | $18.32 |
| 2026-02-02 | Taylor Jeffrey T. | Sell | 1.8K | $20.33 |
| 2026-02-02 | Szczepaniak Mark R | Sell | 1.6K | $20.53 |
| 2026-01-28 | Tam Fiona | Tax withheld | 4.3K | $20.22 |
| 2026-01-28 | Kelly Roland Thomas | Tax withheld | 16K | $20.22 |
| 2026-01-28 | Farrar Christopher D. | Tax withheld | 65K | $20.22 |
| 2026-01-28 | Szczepaniak Mark R | Tax withheld | 24K | $20.22 |
| 2026-01-28 | Taylor Jeffrey T. | Tax withheld | 19K | $20.22 |
| 2026-01-26 | Taylor Jeffrey T. | Sell | 1.8K | $20.00 |
| 2026-01-23 | Kelly Roland Thomas | Tax withheld | 1.4K | $19.39 |
| 2026-01-23 | Farrar Christopher D. | Tax withheld | 23K | $19.39 |
| 2026-01-23 | Szczepaniak Mark R | Tax withheld | 4.3K | $19.39 |
| 2026-01-23 | Taylor Jeffrey T. | Tax withheld | 4.1K | $19.39 |
| 2026-01-23 | Tam Fiona | Tax withheld | 453 | $19.39 |
| 2026-01-21 | Farrar Christopher D. | Tax withheld | 26K | $19.53 |
| 2026-01-21 | Szczepaniak Mark R | Tax withheld | 3.4K | $19.53 |
| 2026-01-21 | Taylor Jeffrey T. | Tax withheld | 3.4K | $19.53 |
| 2026-01-21 | Kelly Roland Thomas | Tax withheld | 1.8K | $19.53 |
| 2026-01-21 | Tam Fiona | Tax withheld | 541 | $19.53 |
| 2026-01-15 | Kelly Roland Thomas | Grant | 14K | $19.60 |
| 2026-01-15 | Kelly Roland Thomas | Grant | 14K | $19.60 |
| 2026-01-15 | Taylor Jeffrey T. | Grant | 19K | $19.60 |
| 2026-01-15 | Taylor Jeffrey T. | Grant | 19K | $19.60 |
| 2026-01-15 | Szczepaniak Mark R | Grant | 19K | $19.60 |
| 2026-01-15 | Szczepaniak Mark R | Sell | 1.6K | $19.51 |
| 2026-01-15 | Szczepaniak Mark R | Grant | 19K | $19.60 |
| 2026-01-15 | Farrar Christopher D. | Grant | 89K | $19.60 |
| 2026-01-15 | Farrar Christopher D. | Grant | 89K | $19.60 |
| 2026-01-15 | Tam Fiona | Grant | 3.1K | $19.60 |
| 2026-01-15 | Tam Fiona | Grant | 3.1K | $19.60 |
| 2026-01-13 | Tam Fiona | Tax withheld | 681 | $18.70 |
| 2026-01-13 | Farrar Christopher D. | Tax withheld | 8.9K | $18.70 |
| 2026-01-13 | Szczepaniak Mark R | Tax withheld | 4.3K | $18.70 |
| 2026-01-13 | Taylor Jeffrey T. | Tax withheld | 3.5K | $18.70 |
| 2026-01-13 | Kelly Roland Thomas | Tax withheld | 2.1K | $18.70 |
| 2025-12-31 | Taylor Jeffrey T. | Sell | 3.0K | $20.13 |
| 2025-12-16 | Taylor Jeffrey T. | Sell | 7.6K | $20.03 |
| 2025-12-02 | Kelly Roland Thomas | Sell | 6.7K | $19.38 |
| 2025-12-01 | Szczepaniak Mark R | Sell | 1.6K | $19.34 |
| 2025-12-01 | Szczepaniak Mark R | Sell | 1.6K | $19.34 |
| 2025-11-03 | Szczepaniak Mark R | Sell | 1.6K | $18.50 |
| 2025-10-01 | Szczepaniak Mark R | Sell | 1.6K | $18.05 |
| 2025-09-02 | Szczepaniak Mark R | Sell | 1.6K | $18.85 |
| 2025-08-12 | Szczepaniak Mark R | Sell | 1.6K | $18.00 |
| 2025-07-01 | Szczepaniak Mark R | Sell | 1.6K | $18.44 |
| 2025-06-30 | Kelly Roland Thomas | Other | 1.2K | $15.76 |
| 2025-06-30 | Farrar Christopher D. | Other | 1.2K | $15.76 |
| 2025-05-23 | Pitstick John | Disposition | 4.4K | $16.48 |
| 2025-05-23 | Beckett Dorika M | Grant | 5.8K | $16.48 |
| 2025-05-23 | Pitstick John | Grant | 5.8K | $16.48 |
| 2025-05-23 | Schaefer Joy L. | Grant | 5.8K | $16.48 |
| 2025-05-23 | Schaefer Joy L. | Disposition | 4.4K | $16.48 |
| 2025-05-01 | TOBI III SPE I LLC | Option exercise | 1.7M | — |
| 2025-03-27 | SPG GP, LLC | Option exercise | 893K | $2.96 |
| 2025-03-27 | SPG GP, LLC | Option exercise | 446K | $4.94 |
| 2025-03-27 | SPG GP, LLC | Tax withheld | 259K | $18.73 |
| 2025-02-14 | Farrar Christopher D. | Tax withheld | 5.4K | $18.56 |
| 2025-02-14 | Tam Fiona | Tax withheld | 638 | $18.56 |
| 2025-02-14 | Kelly Roland Thomas | Tax withheld | 1.2K | $18.56 |
| 2025-02-14 | Szczepaniak Mark R | Tax withheld | 2.7K | $18.56 |
| 2025-02-14 | Taylor Jeffrey T. | Tax withheld | 2.9K | $18.56 |
| 2025-01-23 | Tam Fiona | Tax withheld | 543 | $18.42 |
| 2025-01-23 | Szczepaniak Mark R | Tax withheld | 4.3K | $18.42 |
| 2025-01-23 | Taylor Jeffrey T. | Tax withheld | 4.1K | $18.42 |
| 2025-01-23 | Kelly Roland Thomas | Tax withheld | 2.1K | $18.42 |
| 2025-01-21 | Farrar Christopher D. | Grant | 45K | — |
| 2025-01-21 | Tam Fiona | Grant | 3.8K | — |
| 2025-01-21 | Tam Fiona | Tax withheld | 3.6K | $18.82 |
| 2025-01-21 | Szczepaniak Mark R | Grant | 15K | — |
| 2025-01-21 | Szczepaniak Mark R | Tax withheld | 16K | $18.82 |
| 2025-01-21 | Taylor Jeffrey T. | Grant | 15K | — |
| 2025-01-21 | Taylor Jeffrey T. | Tax withheld | 17K | $18.82 |
| 2025-01-21 | Kelly Roland Thomas | Grant | 6.8K | — |
| 2025-01-21 | Kelly Roland Thomas | Tax withheld | 7.4K | $18.82 |
| 2025-01-21 | Farrar Christopher D. | Grant | 77K | $18.82 |
| 2025-01-21 | Farrar Christopher D. | Grant | 77K | $18.82 |
| 2025-01-21 | Szczepaniak Mark R | Grant | 19K | $18.82 |
| 2025-01-21 | Szczepaniak Mark R | Grant | 19K | $18.82 |
| 2025-01-21 | Taylor Jeffrey T. | Grant | 19K | $18.82 |
| 2025-01-21 | Taylor Jeffrey T. | Grant | 19K | $18.82 |
| 2025-01-21 | Kelly Roland Thomas | Grant | 13K | $18.82 |
| 2025-01-21 | Kelly Roland Thomas | Grant | 13K | $18.82 |
| 2025-01-21 | Tam Fiona | Grant | 3.2K | $18.82 |
| 2025-01-21 | Tam Fiona | Grant | 3.2K | $18.82 |
| 2025-01-13 | Tam Fiona | Tax withheld | 742 | $18.72 |
| 2025-01-13 | Szczepaniak Mark R | Tax withheld | 4.3K | $18.72 |
| 2025-01-13 | Taylor Jeffrey T. | Tax withheld | 3.3K | $18.72 |
| 2025-01-13 | Kelly Roland Thomas | Tax withheld | 3.0K | $18.72 |
| 2025-01-13 | Tam Fiona | Tax withheld | 916 | $18.72 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-26 | Shareholder voteExhibits | filing ↗ |
| 2026-05-07 | Reg FDExhibits | filing ↗ |
| 2026-05-06 | ResultsExhibits | filing ↗ |
| 2026-03-13 | ResultsExhibits | filing ↗ |
| 2026-03-12 | Reg FDExhibits | filing ↗ |
| 2026-01-30 | Material agreementOtherExhibits | filing ↗ |
| 2026-01-29 | Material agreementOtherExhibits | filing ↗ |
| 2026-01-26 | ResultsOtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-26 | 2026-05-21 | 0001193125-26-238356 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001193125-26-209674 ↗ |
| 8-K | 2026-05-07 | 2026-05-06 | 0001193125-26-210739 ↗ |
| 8-K | 2026-05-06 | 2026-05-06 | 0001193125-26-209160 ↗ |
| 8-K | 2026-03-13 | 2026-03-11 | 0001193125-26-104483 ↗ |
| 10-K | 2026-03-12 | 2025-12-31 | 0001193125-26-102677 ↗ |
| 8-K | 2026-03-12 | 2026-03-11 | 0001193125-26-104323 ↗ |
| 8-K | 2026-01-30 | 2026-01-30 | 0001193125-26-031817 ↗ |
| 8-K | 2026-01-29 | 2026-01-28 | 0001193125-26-028066 ↗ |
| 8-K | 2026-01-26 | 2026-01-26 | 0001193125-26-021758 ↗ |
| 8-K | 2026-01-20 | 2026-01-15 | 0001193125-26-015556 ↗ |
| 8-K | 2025-12-16 | 2025-12-16 | 0001193125-25-320465 ↗ |