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HOVNANIAN ENTERPRISES INC

For the period ended Oct 31, 2025. Filed Dec 22, 2025.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Dec 22, 2025

HOV$105.37+3.9%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Signatures

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this Annual Report on Form 10-K to be signed on its behalf by the undersigned, thereunto duly authorized.

HOVNANIAN ENTERPRISES, INC.
By:/s/ ARA K. HOVNANIAN
Ara K. Hovnanian
Chairman of the Board and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant on December 22, 2025, and in the capacities indicated.

/s/ ARA K. HOVNANIANChairman of the Board, Chief Executive Officer and Director
Ara K. Hovnanian(Principal Executive Officer)
/s/ BRAD G. O’CONNORChief Financial Officer
Brad G. O’Connor(Principal Financial Officer and Principal Accounting Officer)
/s/ EDWARD A. KANGASChairman of Audit Committee and Director
Edward A. Kangas
/s/ JOSEPH A. MARENGIChairman of Compensation Committee and Director
Joseph A. Marengi
/s/ VINCENT PAGANO JR.Chairman of Corporate Governance and Nominating Committee and Director
Vincent Pagano Jr.
/s/ J. LARRY SORSBYDirector
J. Larry Sorsby

HOVNANIAN ENTERPRISES, INC. AND SUBSIDIARIES

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

Financial Statements:Page
Report of Independent Registered Public Accounting Firm63
Consolidated Balance Sheets at October 31, 2025 and 202465
Consolidated Statements of Operations for the years ended October 31, 2025, 2024 and 202366
Consolidated Statements of Changes in Equity for the years ended October 31, 2025, 2024 and 202367
Consolidated Statements of Cash Flows for the years ended October 31, 2025, 2024 and 202368
Notes to Consolidated Financial Statements70

No schedules have been prepared because the required information of such schedules is not present, is not present in amounts sufficient to require submission of the schedule, or because the required information is included in the financial statements and notes thereto.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.