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VEL · Velocity Financial, Inc.
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VEL Velocity Financial (VEL) Insider Trading, Ownership & Congress Trades

Financial Services · Finance services · CIK 0001692376
Quote by TradingView
Form 144 · 4
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter

What the filings say about VEL

Insiders, 180 days
-$381.2K net sold
4 sellers · 15% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$175.0K
4 notices

Velocity Financial insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Velocity Financial, Inc. insiders sold a net $381.2K of stock across 34 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-27.

Insider
Filed
Shares
Value
Since filing
Szczepaniak Mark R
Chief Financial Officer
SELL
2026-09-10 SEC
2,000
$36.1K
-14.2%
Context
  • 16 earlier Form 4 trades (code P or S) here by this insider (16 sales), the last on Aug 10, 2026.
  • The trade is 3.1% of the 64,400 shares held after it.
  • 3 other insiders sold within 30 days.
Insider activity: Chief Financial Officer Szczepaniak Mark R sold about $36.1K of VEL under a 10b5-1 plan on Sep 10, 2026; 3 other insiders sold within 30 days.
Kelly Roland Thomas
Chief Legal Officer and GC
SELL
2026-09-01 SEC
1,600
$28.8K
-15.0%
Context
  • 6 earlier Form 4 trades (code P or S) here by this insider (6 sales), the last on Aug 6, 2026.
  • The trade is 1.6% of the 98,139 shares held after it.
  • 3 other insiders sold within 30 days.
Insider activity: Chief Legal Officer and GC Kelly Roland Thomas sold about $28.8K of VEL under a 10b5-1 plan on Sep 1, 2026; 3 other insiders sold within 30 days.
Taylor Jeffrey T.
Executive VP, Capital Markets
SELL
2026-08-11 SEC
4,330
$82.5K
-14.4%
Context
  • 6 earlier Form 4 trades (code P or S) here by this insider (6 sales), the last on Jul 7, 2026.
  • The trade is 2.5% of the 172,490 shares held after it.
  • 3 other insiders sold within 30 days.
Insider activity: Executive VP, Capital Markets Taylor Jeffrey T. sold about $82.5K of VEL on Aug 11, 2026; 3 other insiders sold within 30 days.
Tam Fiona
Chief Accounting Officer
SELL
2026-08-11 SEC
1,232
$23.4K
-14.4%
Context
  • 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Jul 7, 2026.
  • The trade is 2.6% of the 47,129 shares held after it.
  • 3 other insiders sold within 30 days.
Insider activity: Chief Accounting Officer Tam Fiona sold about $23.4K of VEL on Aug 11, 2026; 3 other insiders sold within 30 days.
Szczepaniak Mark R
Chief Financial Officer
SELL
2026-08-10 SEC
2,000
$36.3K
-15.5%
Context
  • 15 earlier Form 4 trades (code P or S) here by this insider (15 sales), the last on Aug 6, 2026.
  • The trade is 3.1% of the 64,400 shares held after it.
  • 3 other insiders sold within 30 days.
Insider activity: Chief Financial Officer Szczepaniak Mark R sold about $36.3K of VEL on Aug 10, 2026; 3 other insiders sold within 30 days.
34 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 29 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$381.2K over 180 days
-$243.1K over 90 days
more than 58% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
$7.3M repurchased, FY to 2026-06-30
below 74% of Financial Services
Short interest
32.8% of the float short (float per yahoo 2026-10-26) · 6.9 days to cover · settled 2026-09-30
more than 67% of Financial Services
What changed in the last 30 days
Nothing new filed in the last 30 days

Watch VEL

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
-16.3%12M
-21%-10%+1%+13%2025-102025-122026-022026-042026-062026-082026-10 2026-03-30 · Kelly Roland Thomas sold $252.9K2025-12-16 · Taylor Jeffrey T. sold $151.6K2025-12-02 · Kelly Roland Thomas sold $129.0K2026-03-17 · Kelly Roland Thomas sold $93.2K2026-08-11 · Taylor Jeffrey T. sold $82.5K2025-12-31 · Taylor Jeffrey T. sold $61.4K2026-04-17 · Taylor Jeffrey T. sold $42.6K2026-07-07 · Taylor Jeffrey T. sold $41.1K2026-08-10 · Szczepaniak Mark R sold $36.3K2026-09-10 · Szczepaniak Mark R sold $36.1K2026-02-02 · Taylor Jeffrey T. sold $36.0K2026-01-26 · Taylor Jeffrey T. sold $35.4K2026-02-02 · Szczepaniak Mark R sold $32.3K2026-01-15 · Szczepaniak Mark R sold $30.7K2025-12-01 · Szczepaniak Mark R sold $30.4K2025-12-01 · Szczepaniak Mark R sold $30.4K2026-05-01 · Szczepaniak Mark R sold $30.4K2026-07-01 · Kelly Roland Thomas sold $29.7K2025-11-03 · Szczepaniak Mark R sold $29.1K2026-03-02 · Szczepaniak Mark R sold $28.8K2026-08-06 · Kelly Roland Thomas sold $28.8K2026-09-01 · Kelly Roland Thomas sold $28.8K2026-04-01 · Szczepaniak Mark R sold $28.5K2026-06-26 · Szczepaniak Mark R sold $28.4K2026-08-11 · Tam Fiona sold $23.4K2026-03-31 · Kelly Roland Thomas sold $14.8K2026-07-28 · Szczepaniak Mark R sold $7.2K2026-08-06 · Szczepaniak Mark R sold $7.2K2026-07-07 · Tam Fiona sold $1.3K2026-09-10 · SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021 filed to sell $36.2K2026-08-11 · FIONA TAM filed to sell $22.6K2026-08-11 · TAYLOR FAMILY TRUST filed to sell $79.3K2026-08-10 · SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021 filed to sell $36.9K2026-07-28 · SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021 filed to sell $35.3K2026-07-07 · FIONA TAM filed to sell $1.3K2026-07-07 · TAYLOR FAMILY TRUST filed to sell $40.1K2026-07-01 · ROLAND KELLY filed to sell $88.6K
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns VEL: institutional holders (13F)

13F holdings, latest reported quarter
SEC 13F
No reported 13F holders

No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.

Congress trades in VEL

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

VEL planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021
Filed 2026-09-10
$36.2K
FIONA TAM
Filed 2026-08-11
$22.6K
TAYLOR FAMILY TRUST
Filed 2026-08-11
$79.3K
SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021
Filed 2026-08-10
$36.9K
SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021
Filed 2026-07-28
$35.3K
Executive pay vs shareholder return · Mr. Farrar
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$6.6M
$7.0M
$2.3M
+115%
n/a
2024
$5.4M
$6.2M
$2.2M
+103%
n/a
2023
$3.9M
$6.2M
$1.4M
+78%
n/a
2022
$3.0M
$1.9M
$1.3M
-30%
n/a
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $381.2K sold by insiders over 180 days, $175.0K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
MSTRCOINMORNUPSTIBKRCACCARESHOODRKTSCHWGSDAVE

VEL financials

Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Free cash flow, TTM
$22.5M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
n/a
no debt line filed
Cash flow to debt
n/a
no debt line filed
Return on equity
+16.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+1.5%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
5.60x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
Enterprise value
n/a
no debt line filed
FCF yield
+3.7%
TTM free cash flow over market value at close 2026-10-26
PEG, trailing
0.23x
P/E over trailing EPS growth of 24%: four quarters to 2026-06-30 against the four to 2025-06-30
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Net income$105.0M$68.4M$52.3M$32.2M
EPS (diluted)2.751.911.520.94
Operating cash flow$18.2M$37.8M$48.8M$48.7M
Cash$92.1M$49.9M$40.6M$45.2M
Buybacks$7.3M$1.6M$861.0K$458.0K
SEC XBRL, fiscal years, as known on 2026-10-27

VEL Stock Sonar score 3/7 axes

Find similar shapesCompare

VEL ranks highest on profitability (62nd percentile) and insider conviction (29th), and lowest on risk and compliance (2nd), among Financial Services peers.

Profitability
62
Inputs
  • Return on equity+16.3% · 67 pct, sector of 205
  • Return on assets+1.5% · 57 pct, sector of 266
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Insider conviction
29
Inputs
  • Net Form 4 buying (codes P and S), 180d-$316K · 58 pct, sector of 161
  • Insider buyers, 180d0 · 0 pct, sector of 165
Risk and compliance
2
Inputs
  • Short interest, % of float+32.8% · 2 pct, sector of 390
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
4 not measured: Financial health, Growth, Institutional and government, US patents
  • Financial health needs 1 of 2 inputs, 0 present: no debt line filed
  • Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
  • Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

3 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

VEL filings, in plain words

Are Velocity Financial insiders buying or selling VEL?

In the 180 days to 2026-10-27, Velocity Financial insiders were net sellers, a net $381.2K across purchases and sales reported on Form 4, by 4 sellers.

Are there planned insider sales of VEL?

Yes. 4 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-27, covering $175.0K of stock; the latest, by SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021, was filed 2026-09-10.

Read the full summary

In the 180 days to 2026-10-27, Velocity Financial insiders were net sellers of VEL, a net $381.2K across purchases and sales reported on Form 4 by 4 sellers. 15% of the 13 insider sales were made under a Rule 10b5-1 plan; the rest were not flagged as planned. Insiders filed 4 Form 144 notices of intent to sell in the 90 days to 2026-10-27, covering $175.0K of stock. Each figure is counted from SEC and House filings as of 2026-10-27, dated the day the filing was made public.

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