Skip to main content
Raymond James Financial10-Q: Environmental liability

RJF flags credit loss risk from high mortgage concentration in CA (20%) and FL (18%).

What happened

The company's residential mortgage portfolio is heavily concentrated in California (20%) and Florida (18%), making it vulnerable to climate events like wildfires and hurricanes. This exposure could lead to increased credit loss provisions and necessitates sophisticated geographic risk modeling.

Source

SEC EDGARMay 6, 2026

Quarterly report (Form 10-Q)

Raymond James Financial 10-Q

Filing excerpt

The occurrence of a natural disaster or severe weather event in any of these states, for example wildfires in California and hurricanes in Florida, could result in additional credit loss provisions and/or charge-offs on our loans in such states and therefore negatively impact our net income and regulatory capital in any given period.

sec.gov/Archives/edgar/data/720005/000072000526000051/rjf-20260331.htmRead the full source

Other signals in this filing (8)

Extracted by Autobound

From the Signal API record
Signal
10-Q: Environmental liability

What this signalsFilings often name leadership changes, deals and spending plans.

Fiscal year end
03/31
Filed
May 6, 2026

More 10-Q signals at other companies

The full record

From the Signal API record

Numbers

Percent
20% (California residential mortgage loans as a percentage of total residential mortgage loans held for sale and investment.)

Details

CIK
720005
Accession number
0000720005-26-000051
Timeframe
Current quarter
Filing year
2026
Fiscal year
0
Why it matters
ESG/compliance tools needed
Signal category
Risk

Topics and mentions

Regions named

  • California
  • Florida

Extraction

Confidence
High
Relevance
80%
Sentiment
Negative
Detected
May 12, 2026
signal_type
sec-10q
signal_subtype
environmentalLiability

Use this data

Get every 10-Q signal for Raymond James Financial and the companies you sell to, in the tools you already use.

  1. Ask Claude about it

    Connect Autobound to Claude, Claude Code or Cursor with MCP. Then ask: “What changed at Raymond James Financial this week?”

  2. Send it to your own tools

    The Signal API returns 10-Q signals for any list of companies as JSON, for your CRM, warehouse or app.

  3. Try it free

    Sign up and spend your free credits on the companies you sell to.

    Start Free1,000 free credits

The API returns more than this page shows

This page shows a preview. The full sec-10q record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
Show the full JSONThe record on this page and the API request

GET /v1/signals/38109a75-ca64-481c-a466-fc7de984d117 returns this record as JSON. POST /v1/companies/enrich returns every signal for raymondjames.com.

{
  "signal_id": "38109a75-ca64-481c-a466-fc7de984d117",
  "signal_type": "sec-10q",
  "signal_subtype": "environmentalLiability",
  "detected_at": "2026-05-12T09:24:56.238+00:00",
  "company": {
    "name": "Raymond James Financial",
    "domain": "raymondjames.com"
  },
  "data": {
    "detail": "The company's residential mortgage portfolio is heavily concentrated in California (20%) and Florida (18%), making it vulnerable to climate events like wildfires and hurricanes. This exposure could lead to increased credit loss provisions and necessitates sophisticated geographic risk modeling.",
    "metrics": {
      "pct": 0.2,
      "timeframe": "current_quarter",
      "pct_context": "California residential mortgage loans as a percentage of total residential mortgage loans held for sale and investment."
    },
    "summary": "RJF flags credit loss risk from high mortgage concentration in CA (20%) and FL (18%).",
    "excerpts": "The occurrence of a natural disaster or severe weather event in any of these states, for example wildfires in California and hurricanes in Florida, could result in additional credit loss provisions and/or charge-offs on our loans in such states and therefore negatively impact our net income and regulatory capital in any given period.",
    "relevance": 0.8,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/720005/000072000526000051/rjf-20260331.htm",
    "filing_date": "2026-05-06",
    "filing_year": 2026,
    "fiscal_year": 0,
    "fiscal_year_end": "03/31",
    "sales_relevance": "ESG/compliance tools needed",
    "signal_category": "risk",
    "regions_mentioned": [
      "California",
      "Florida"
    ]
  }
}

Long text fields are shortened on this page.

Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.