M/I Homes, Inc. (MHO) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.598 Good morning, ladies and gentlemen, and welcome to the MI Homes fourth quarter and year-end 00:00:04.598 -- 00:00:08.764 earnings conference call. At this time, our lines are in a listen-only mode. 00:00:08.764 -- 00:00:12.750 Following the presentation, we will conduct a question and answer session. 00:00:12.750 -- 00:00:17.937 If at any time during this call you need assistance, please press star zero for the operator. 00:00:17.937 -- 00:00:21.282 This call is being recorded on Wednesday, January 28th, 2026. 00:00:21.282 -- 00:00:24.828 I would now like to turn the conference over to Phil Creek. 00:00:24.828 -- 00:00:26.750 Please go ahead. 00:00:26.750 -- 00:00:29.782 Thank you, and thank you for joining us today. 00:00:29.782 -- 00:00:34.627 On the call with me is Bob Schottenstein, our CEO and President, and Derek Clutch, President 00:00:34.627 -- 00:00:39.552 of our mortgage company. First, to address regulation fair disclosure, 00:00:39.552 -- 00:00:44.477 we encourage you to ask any questions regarding issues that you consider material during 00:00:44.477 -- 00:00:49.682 this call because we are prohibited from discussing significant non-public items 00:00:49.682 -- 00:00:54.907 with you directly. And as to forward-looking statements, I want to remind everyone 00:00:54.907 -- 00:00:59.355 that the cautionary language about forward-looking statements is contained in today's 00:00:59.355 -- 00:01:04.481 press release also applies to any comments made during this call. 00:01:04.481 -- 00:01:09.889 Also, be advised that the company undertakes no obligation to update any forward-looking 00:01:09.889 -- 00:01:14.094 statements made during this call. With that, I'll turn it over to Bob. 00:01:14.094 -- 00:01:17.559 Thanks, Phil, a...