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Income Overview
Net Income
$25,163K
EPS
$0.64
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest income
160,986
153,080
137,707*
-
Interest expense portfolio related
97,627
94,027
85,119*
-
Net interest income portfolio related
63,359
59,053
52,588*
-
Interest expense corporate debt
14,469
15,133
6,143*
-
Net interest income
48,890
43,920
46,445*
-
Provision for credit losses
980
1,661
1,451*
-
Net interest income after provision for credit losses
47,910
42,259
44,994*
-
Gain on disposition of loans-Nonrelated Party
-
-
4,228*
-
Gain on disposition of loans-Related Party
-
-
4,836*
-
Gain on disposition of loans
3,954
2,896
-
-
Unrealized gain on fair value loans
24,483
1,039
29,214*
-
Unrealized gain (loss) on fair value securitized debt
2,297
26,254
-7,613*
-
Unrealized gain (loss) on mortgage servicing rights
1,126
-337
-249*
-
Origination fee income
12,154
7,970
8,496*
-
Interest income on cash balance
1,334
1,405
1,464*
-
Other income
1,730
3,730
532*
-
Total other operating income
47,078
42,957
40,905*
-
Compensation and employee benefits
25,514
23,520
19,143*
-
Origination expenses
-1,405
-1,163
-1,116*
-
Securitization expenses
4,669
5,285
7,071*
-
Loan servicing
15,685
8,563
8,352*
-
Professional fees
2,173
5,781
1,525*
-
Rent and occupancy
352
340
281*
-
Real estate owned, net
6,723
6,862
5,727*
-
Other operating expenses
3,232
2,825
2,713*
-
Total operating expenses
59,753
54,339
45,927*
-
Income before income taxes
35,235
30,877
39,972*
-
Domestic Country
7,198
6,494
7,714*
-
State And Local Jurisdiction
2,303
2,084
2,600*
-
Income tax expense
9,501
8,578
10,314*
-
Net income
25,734
22,299
29,658*
-
Net income (loss) attributable to noncontrolling interest
571
-64
-18*
-
Net income attributable to velocity financial, inc
25,163
22,363
29,676
25,373
Net unrealized gain (loss) arising during the period, before tax
-
-
-
140
Net unrealized gain (loss) arising during the period, tax effect
-
-
-
42
Net unrealized gain (loss) on cash flow hedges arising during the period
-
-
-
98
Reclassification adjustments included in net income, before-tax
-
-
-
-269
Reclassification adjustments included in net income, tax effect
-
-
-
-77
Reclassification adjustments included in net income
-
-
-
-192
Total other comprehensive income (loss), net of tax
-
-
-
290
Total comprehensive income attributable to velocity financial, inc
-
-
-
25,663
Basic EPS
0.64
0.57
0.841
0.66
Diluted EPS
0.64
0.57
0.782
0.65
Basic Average Shares
38,730,000
38,626,000
35,283,000
38,073,000
Diluted Average Shares
39,304,000
39,174,000
37,944,000
38,800,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest income
$160,986K
Net interest income
portfolio related
$63,359K
Interest expense
portfolio related
$97,627K
Net interest income
$48,890K
Unrealized gain on fair
value loans
$24,483K
Origination fee income
$12,154K
Gain on disposition
of loans
$3,954K
Unrealized gain (loss) on
fair value...
$2,297K
Other income
$1,730K
Interest income on cash
balance
$1,334K
Unrealized gain (loss) on
mortgage servicing...
$1,126K
Interest expense
corporate debt
$14,469K
Net interest income
after provision for...
$47,910K
Total other operating
income
$47,078K
Provision for credit
losses
$980K
Income before income
taxes
$35,235K
Total operating
expenses
$59,753K
Net income
$25,734K
Income tax expense
$9,501K
Compensation and employee
benefits
$25,514K
Loan servicing
$15,685K
Real estate owned,
net
$6,723K
Securitization expenses
$4,669K
Other operating
expenses
$3,232K
Professional fees
$2,173K
Origination expenses
-$1,405K
Rent and occupancy
$352K
Net income
attributable to velocity...
$25,163K
(-3.21%↓ Y/Y)
Net income (loss)
attributable to...
$571K
Domestic Country
$7,198K
State And Local
Jurisdiction
$2,303K
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Velocity Financial, Inc. (VEL)
Velocity Financial, Inc. (VEL)