Core Insights - The CEO of UWM Holdings Corporation, Mat Ishbia, sold 1,898,622 shares of Class A Common Stock over five days, with a total transaction value of $11.14 million [1][2] - The sale was part of a planned strategy under a 10b5-1 Plan, which allows insiders to schedule share transactions to mitigate insider trading concerns [8] Company Overview - UWM Holdings Corporation is a leading mortgage lender in the U.S., focusing on the origination of residential loans through a broker-focused wholesale channel [5] - The company reported a revenue of $2.7 billion and a net income of $16.89 million for the trailing twelve months (TTM) [4] - The dividend yield stands at 8.15%, with a 1-year price change of -20.16% as of January 31, 2026 [4] Transaction Details - The transaction involved the conversion of UWM Paired Interests into Class A Common Stock, with all shares sold through SFS Holding Corp, controlled by Mat Ishbia [6][8] - Post-transaction, Mat Ishbia retains 279,989 shares directly, while indirect holdings decreased by 25.32% [6] - The size of the sale aligns with Ishbia's recent selling patterns, being close to the median size of his previous transactions [6] Market Context - UWM's share prices have declined approximately 50% over the last five years, reflecting challenges in the mortgage loan market [9] - Despite recent Fed rate cuts aimed at lowering loan rates, the mortgage loan market continues to experience low loan volumes, indicating ongoing struggles for the company [9]

Core Viewpoint - The proposed sale of Two Harbors Investment Corp. to UWM Holdings Corporation is under investigation to assess whether the transaction adequately values the company and the process leading to it is appropriate [1]. Group 1: Transaction Details - Shareholders of Two Harbors will receive 2.3328 shares of UWM Class A Common Stock for each share of Two Harbors they own as part of the proposed transaction [1]. Group 2: Legal Investigation - Kahn Swick & Foti, LLC is investigating the proposed sale to determine if the consideration undervalues Two Harbors Investment Corp. [1]. - The law firm is inviting shareholders who believe the transaction undervalues the company to discuss their legal rights regarding the proposed sale [2].

Core Viewpoint - UWM Holdings is positioned for a potential recovery due to macroeconomic changes and a pending merger, despite past declines in performance and share price [1][2]. Macroeconomic Factors - The housing market is showing signs of recovery, with mortgage rates at a three-year low, which could enhance UWM's operating performance [3]. - A potential repurchase of $200 billion in mortgage bonds by representatives of President Trump could further influence mortgage rates positively [4]. Company-Specific Catalysts - UWM is undergoing a significant shift towards AI and automation, which could result in cost savings exceeding $100 million [8]. - The planned acquisition of Two Harbors Investment could yield annual growth synergies of up to $150 million [9]. Stock Performance and Valuation - UWM Holdings has seen a nearly 40% increase in stock price since the beginning of the year, currently trading at approximately 13.5 times forward earnings, indicating it is fairly priced compared to other mortgage-focused financial stocks [10]. - Upcoming Q4 2025 earnings report could further elevate expectations and stock price, especially if strong results and promising guidance are provided [11].

Group 1 - Galaxy Digital Inc. (GLXY) is currently outperforming its Finance peers with a year-to-date gain of approximately 43.1%, compared to the average gain of 18.4% in the Finance group [4] - The Zacks Rank for Galaxy Digital Inc. is 2 (Buy), indicating a favorable outlook based on earnings estimate revisions and improving earnings outlooks [3] - Over the past three months, the Zacks Consensus Estimate for GLXY's full-year earnings has increased by 24%, reflecting improved analyst sentiment [4] Group 2 - Galaxy Digital Inc. is part of the Financial - Miscellaneous Services industry, which has seen a decline of about 8.5% year-to-date, further highlighting GLXY's strong performance within this group [6] - Another Finance stock, UWM Holdings Corporation (UWMC), has also outperformed its sector with a year-to-date return of 32.4% and a Zacks Rank of 2 (Buy) [5][7] - The Financial - Mortgage & Related Services industry, to which UWM Holdings belongs, has gained 41.7% since the beginning of the year, indicating a positive trend in that sector [7]

Core Insights - UWM Holdings Corporation's stock has experienced a year-over-year loss, declining approximately 25% in 2025, raising concerns about insider selling at low prices [1][2] - Mat Ishbia, the President and CEO, has been selling shares since December 2025, reducing his indirect holdings from 9.85 million to 4.42 million [1][2] Company Overview - UWM serves independent mortgage brokers and correspondents in the U.S., focusing on the wholesale lending channel [2] Insider Transactions - On December 9 and 10, 2025, Mat Ishbia sold 1,224,574 shares for about $6.8 million, which represents 18.96% of his total holdings, leaving him with approximately 4.96 million shares [4][5][3] - The transaction size aligns with Ishbia's historical median sell size of 1,200,108 shares, indicating consistency in his trading behavior [3] Market Context - The sale occurred during a period when the stock had a one-year total return of -10.93%, suggesting that the timing was not advantageous [2] - UWM is set to complete its acquisition of Two Harbors Investment Corp. in Q2 2026, but the company is facing a revenue decline for FY2025, marking the first such decline in three years [6]

Core Insights - The stock of UWM Holdings Corporation has underperformed, with a year-over-year loss and a decline of approximately 25% for the entire year of 2025 [1][2] - Mat Ishbia, the President and CEO, has been selling shares since December 2025, reducing his indirect holdings from 9.85 million to 4.42 million [1] Company Performance - UWM serves independent mortgage brokers and correspondents in the U.S., focusing on the wholesale lending channel [2] - The stock experienced a one-year total return of -10.93% on the day of Ishbia's sale, indicating poor timing for capitalizing on stock strength [2] Insider Transactions - Ishbia sold 1,224,574 shares for approximately $6.8 million on December 9 and 10, 2025, through his holding company, SFS Holding Corporation [4][5] - This sale represents 18.96% of Ishbia's total holdings, leaving him with 4,955,547 shares indirectly held [3] Future Outlook - UWM Holdings is set to complete its acquisition of Two Harbors Investment Corp., a real estate investment trust, expected in the second quarter of 2026 [6] - The company is facing a year-to-year revenue decline for the first time in three years, raising concerns about its long-term outlook [6]

UWM Holdings Corporation (NYSE:UWMC) is one of the cheap stocks to buy for the next 3 years. On January 6, Goldman Sachs lowered the firm’s price target on UWM Holdings to $5 from $6 and kept a Neutral rating on the shares. The firm noted that while regional banks trailed the market by 200 to 300 basis points in 2025 due to macro and credit concerns, a 13% year-end rally provided late momentum. For 2026, Goldman Sachs anticipated a multi-year fundamental recovery driven by steady loan growth, NII momentum, ...

Market Overview - Stock futures are modestly higher following the December nonfarm payrolls report and ahead of a Supreme Court decision on President Trump's tariff policy [1] - Major indexes have shown resilience early in 2026 after a strong finish to 2025, but gains have faced headwinds due to cooling tech momentum and uncertainty around labor data affecting Federal Reserve policy expectations [1] Sector Performance - Defensive sectors such as energy and mining have demonstrated relative strength, while value-oriented and cyclical areas are gaining attention amid market rotation [2] - Safe-haven assets like gold have seen increased demand as risk sentiment fluctuates [2] Pre-Market Trading - In pre-market trading, S&P 500 futures rose by 0.33%, Nasdaq futures increased by 0.42%, and Dow futures were up by 0.32% [2] Company Movements - Oklo (OKLO) is up 18% after announcing an agreement with Meta Platforms (META) to develop a 1.2 GW power campus in Pike County, Ohio [5] - Vistra (VST) increased by 17% after entering into 20-year purchase power agreements to provide over 2,600 megawatts of zero-carbon energy from three nuclear plants for Meta's operations [5] - Intel (INTC) rose by 2% following President Trump's positive remarks about a meeting with CEO Lip-Bu Tan [5] - Offerpad Solutions (OPAD) surged by 48%, LoanDepot (LDI) increased by 16%, Opendoor Technologies (OPEN) rose by 11%, Rocket Companies (RKT) was up by 6%, and UWM Holdings (UWMC) also increased by 6% [5] - Conversely, Aquestive Therapeutics (AQST) fell by 37% after the FDA identified deficiencies in its Anaphylm NDA, while AXT Inc. (AXTI) dropped by 14% after cutting its Q4 revenue outlook [5]

One of the nation’s largest wholesale mortgage lenders reported significant insider selling amid a year of declining share prices.On Friday, UWM Holdings Corporation (UWMC +2.66%) President and CEO Mat Ishbia reported via an SEC Form 4 filing the indirect sale of nearly 1.9 million shares in multiple open-market transactions totaling $8.37 million, with all shares disposed of through an entity called SFS Corp as part of a broader derivative conversion and liquidation strategy.Transaction SummaryMetricValueS ...

Group 1 - In 2025, big tech dominated economic growth and stock market gains, but the sustainability of the AI boom into 2026 is uncertain, prompting a shift towards financial stocks [2] - Financial stocks performed well in the previous year due to favorable conditions like interest rate cuts from the Federal Reserve, with expectations for a quicker macroeconomic improvement as inflation eases [3] - Key financial stocks to watch in 2026 include SoFi Technologies, S&P Global, and UWM Holdings, which are positioned to benefit from the changing economic landscape [3] Group 2 - SoFi Technologies has transformed into a diversified financial services company, leading to significant share price growth and expected earnings growth from $0.15 per share in 2024 to $0.57 per share in 2026, despite a high forward P/E ratio of 46 [5][6] - S&P Global has experienced a sideways trading pattern but is anticipated to outperform expectations in 2026, potentially leading to stronger gains [7][9] - UWM Holdings, as the largest mortgage wholesaler in America, is expected to recover in 2026, aided by the prospect of lower interest rates [8]