VEL - NYSE

Velocity Financial, Inc.

VEL·NYSE

$17.13

-1.0%

Financial ServicesFinancial - Mortgages

Velocity Financial, Inc. operates as a real estate finance company in the United States. It primarily originates and manages investor loans secured by 14 unit residential rental and small commercial properties. The company offers its products through a network of independent mortgage brokers. Velocity Financial, Inc. was founded in 2004 and is headquartered in Westlake Village, California.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$672.44M

EPS2.8100

P/E Ratio6.10

Earnings Date08/06/2026

vel

Net Income

Last Annual Value

105.05M

3-Year CAGR

48%

5-Year CAGR

43%

10-Year CAGR

31%

Adjust for Inflation

Velocity Financial, Inc. Competitors Analysis of Net Income

VEL · NYSE

Company	Net Income	CAGR 3Y	CAGR 5Y	CAGR 10Y
Velocity Financial, Inc. NYSE:VEL	105.05M	26.2%	29.2%	31.5%
Northeast Bank NASDAQ:NBN	83.44M	23.6%	3.1%	27.0%
Business First Bancshares, Inc. NASDAQ:BFST	87.86M	7.3%	11.0%	32.9%
Heritage Insurance Holdings, Inc. NYSE:HRTG	195.59M	62.8%	N/A	19.2%
CNB Financial Corporation NASDAQ:CCNE	66.13M	4.5%	2.8%	12.4%
Oppenheimer Holdings Inc. NYSE:OPY	148.40M	70.1%	-1.4%	N/A
Fidus Investment Corporation NASDAQ:FDUS	82.40M	2.2%	-6.6%	7.1%
Amerant Bancorp Inc. NASDAQ:AMTB	-15.75M	N/A	N/A	N/A
Nuveen Churchill Direct Lending Corp. NYSE:NCDL	65.61M	-4.8%	19.2%	N/A
Mercantile Bank Corporation NASDAQ:MBWM	88.75M	2.6%	8.5%	10.8%

Velocity Financial, Inc. Fair Value Envelope

VEL · NYSE

Our analysis suggests that VEL has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $17.13, this represents a potential HIDDEN relative to our calculated worth for Velocity Financial, Inc..

HIDDEN

Intrinsic Value

Current Price: $17.13

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