PennyMac Financial Services Inc 2026年季度报告

Form10-Q (MarkOne) ☒QUARTERLY REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF1934 For the quarterly period ended March 31, 2026or ☐TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF1934For the transition period fromtoCommission File Number: 001-38727 PennyMac Financial Services,Inc.(Exact name of registrant as specified in its charter) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule405 of RegulationS-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that theregistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Largeacceleratedfiler☒ Non-accelerated filer☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date. PENNYMAC FINANCIAL SERVICES,INC. FORM10-QMarch 31, 2026 TABLE OF CONTENTS Special Note Regarding Forward-Looking Statements3 PARTI. FINANCIAL INFORMATION Item1.Financial Statements (Unaudited):6Consolidated Balance Sheets6Consolidated Statements of Income7Consolidated Statements of Changes in Stockholders’ Equity8Consolidated Statements of Cash Flows9Notes to Consolidated Financial Statements11Item2.Management’s Discussion and Analysis of Financial Condition and Results of Operations53Item3.Quantitative and Qualitative Disclosures About Market Risk72Item4. Controls and Procedures73 PARTII. OTHER INFORMATION74 Item1.Legal Proceedings74Item1A.Risk Factors74Item2.Unregistered Sales of Equity Securities and Use of Proceeds74Item3.Defaults Upon Senior Securities74Item4.Mine Safety Disclosures74Item5. Other Information74Item6. Exhibits76 SPECIAL NOTEREGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q (“Report”) contains certain forward-looking statements thatare subject to various risks and uncertainties. Forward-looking statements are generally identifiable by useof forward-looking terminology such as “may,” “will,” “should,” “potential,” “intend,” “expect,” “seek,”“anticipate,” “estimate,” “approximately,” “believe,” “could,” “project,” “predict,” “continue,” “plan” orother similar words or expressions. Forward-looking statements are based on certain assumptions, discuss future expectations, plansand strategies, contain financial and operating projections or state other forward-looking information.Examples of forward-looking statements include, but are not limited to, the following: ●projections of our revenues, income, earnings per share, capital structure or other financialitems;●descriptions of our plans or objectives for future operations, products or services;●forecasts of our future economic performance, interest rates, profit margins and prepaymentrates;●discussions of our expectations regarding various macroeconomic factors, includingvariability in the economy or the impact of current and future regulations and legislation onour business; and●descriptions of assumptions underlying or relating to any of the foregoing expectationsregarding the timing of generating any revenues. Our ability to predict results or the actual effect of future events, actions, plans or strategies isinherently uncertain. Although we believe that the expectations reflected in such forward-lookingstatements are based on reasonable assumptions, our actual results and performance could differ materiallyfrom those set forth in the forward-looking statements. There are several factors, many of which arebeyond our control that could cause actual results to differ significantly from management’s expectations.Some of these factors are discussed below. You should not place undue reliance on any forward-looking statement and should consider thefollowing uncertainties and risks, as well as the risks and uncertainties discussed elsew