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KB Home KBH Loans held for sale

Loans held for sale at other companies

CNB FinancialCCNE

$280K-67.4%

MetroCity BanksharesMCBS

$9.74M—

Peoples Financial ServicesPFIS

$1.18M+181%

PennyMac Financial Services, Inc.PFSI

$9.95B+40.3%

Fulton FinancialFULT

$11.89M-25.5%

Texas Capital BancsharesTCBI

$21.33M—

Other financials

Income statement

Revenue$1.1B-22.6%

Net income$33.4M-69.5%

EPS (diluted)$0.52-65.1%

Balance sheet

Cash & equivalents$330.2M+13.0%

Total debt$28.5M+27.1%

Total equity$3.9B-5.8%

Total assets$6.7B-4.0%

Cash flow

Operating cash flow-$125.4M+62.5%

CapEx$13.2M+17.9%

Free cash flow-$138.6M+59.9%

Valuation

Market cap$3.8B+2.5%

P/E10.8×+4.2×

P/S0.6×+0.1×

Profitability

Operating margin7.6%—

Net margin6%-3.2pp

FCF margin-0.6%-15.7pp

Returns & leverage

Return on equity8.9%-6.8pp

Debt / equity0×0.0×

Questions, answered.

What does loans held for sale mean?: Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.