1,086 material Form 8-K filings that 883 companies we cover made with the SEC in July 2025, each read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). All of them were written later, when past filings were added: a selection, not every 8-K of the month (see the note below).
Centene reported second quarter 2025 results in a press release furnished as Exhibit 99.1 to this 8-K. The company posted a GAAP diluted loss of $(0.51) per share, compared with diluted earnings of $2.16 per share a year earlier, driven primarily by a reduction in its net 2025 Marketplace risk adjustment revenue transfer estimate. Revenue grew while profit fell, and the company said it will provide 2025 earnings expectations on its July 25, 2025 conference call.
GAAP diluted loss per share was $(0.51) versus $2.16 in Q2 2024; adjusted diluted loss per share was $(0.16) versus $2.42 a year earlier.
Total revenues were $48.7 billion, up from $39.8 billion; premium and service revenues rose 18% to $42.5 billion.
Health benefits ratio was 93.0% versus 87.6% in Q2 2024, mainly due to the lower Marketplace risk adjustment revenue estimate and higher Marketplace and Medicaid medical costs.
Cash flow provided by operations was $1.8 billion, primarily driven by improved pharmacy rebate remittance timing.
Minerals Technologies reported second-quarter 2025 earnings per share of $1.44, compared with $0.61 a year earlier, and $1.55 excluding special items. Net sales were $529 million, down 2% from the prior year but up 8% from the first quarter, and the company returned $22 million to shareholders through buybacks and dividends in the quarter. The results follow a first-quarter loss of $4.51 per share that included a $215 million litigation and credit-loss provision.
Q2 2025 diluted EPS was $1.44, versus $0.61 in Q2 2024 and a loss of $4.51 in Q1 2025; excluding special items, EPS was $1.55.
Net sales were $528.9 million, down 2% year over year and up 8% sequentially.
Operating income was $74.6 million (14.1% of sales); excluding special items it was $79.0 million (14.9% of sales).
Cash flow from operations was $62.9 million and free cash flow was $33.8 million in the quarter.
Ovintiv reported second quarter 2025 net earnings of $307 million, or $1.18 per diluted share, down from $340 million, or $1.27 per diluted share, a year earlier, while total revenues rose to $2,318 million from $2,288 million. The company raised full-year production guidance to 600 to 620 MBOE/d and lowered full-year capital guidance to $2.125 billion to $2.175 billion, and declared a $0.30 quarterly dividend.
Q2 2025 net earnings were $307 million ($1.18 diluted per share), compared with $340 million ($1.27 diluted per share) in Q2 2024.
Total revenues were $2,318 million, up from $2,288 million in Q2 2024.
Full-year 2025 production guidance raised to 600 to 620 MBOE/d; capital guidance lowered to $2.125 billion to $2.175 billion, $50 million lower at the midpoint.
Quarterly dividend of $0.30 per share is payable September 29, 2025, to holders of record as of September 15, 2025.
Glacier Bancorp reported second-quarter 2025 diluted earnings of $0.45 per share, down from $0.48 in the first quarter but up from $0.39 a year earlier. The results include $19.9 million of acquisition-related expenses tied to the Bank of Idaho deal, which closed on April 30, 2025, while net interest income rose 9% from the prior quarter. The company also agreed on June 24, 2025 to acquire Guaranty Bancshares, a bank with $3.1 billion in total assets, with closing expected in the fourth quarter of 2025.
Diluted EPS of $0.45 for Q2 2025, down 6% from $0.48 in Q1 2025 and up 15% from $0.39 in Q2 2024
Net income of $52.8 million, down $1.8 million from Q1 2025, and net interest income of $208 million, up 9% from Q1 2025
Bank of Idaho Holding acquisition completed April 30, 2025, with $16.7 million of credit loss expense from the acquisition in the quarter
Definitive agreement signed June 24, 2025 to acquire Guaranty Bancshares; quarterly dividend of $0.33 per share declared
Hilltop Holdings reported second-quarter 2025 results in an Exhibit 99.1 earnings presentation furnished with this 8-K, dated July 24, 2025. Net income was $37.9 million and income attributable to Hilltop was $36.1 million, or $0.57 diluted EPS, down from the first quarter but up sharply from the second quarter of 2024. The results include a $9.5 million pre-tax legal settlement at PrimeLending and a $7.3 million reversal of credit losses, and the company will discuss the results in a webcast on July 25, 2025.
Net income of $37.9 million, down 15% from Q1 2025 and up 65% from Q2 2024
Diluted EPS of $0.57, down from $0.65 in Q1 2025 and up from $0.31 in Q2 2024
Noninterest income of $192.6 million, down 10% from Q1 2025; net interest income of $110.7 million, up 5%
Q2 2025 included a $9.5 million pre-tax ($7.4 million after-tax, $0.12 per share) legal settlement at PrimeLending
Healthpeak reported second-quarter 2025 diluted net income of $0.05 per share, down from $0.21 a year earlier, while Nareit FFO was $0.43 per share versus $0.44 and FFO as Adjusted and AFFO rose to $0.46 and $0.44 per share. The company cut its full-year 2025 diluted earnings per share guidance to $0.25 to $0.31 from $0.30 to $0.36 and Nareit FFO guidance to $1.78 to $1.84 from $1.81 to $1.87, while reaffirming its FFO as Adjusted guidance of $1.81 to $1.87 per share.
Q2 2025 diluted net income was $0.05 per share versus $0.21 in Q2 2024.
Q2 2025 Nareit FFO was $0.43 per share versus $0.44; FFO as Adjusted was $0.46 versus $0.45; AFFO was $0.44 versus $0.40.
2025 diluted EPS guidance lowered to $0.25 to $0.31 from $0.30 to $0.36; Nareit FFO guidance lowered to $1.78 to $1.84 from $1.81 to $1.87.
Monthly dividend of $0.10167 per share declared for July, August and September 2025, totaling $0.305 for the third quarter; approximately $2.3 billion of liquidity as of July 24, 2025.
Associated Banc-Corp reported net income available to common equity of $108 million, or $0.65 per diluted share, for the quarter ended June 30, 2025. Net interest income reached a record $300 million, up 17% from a year earlier, but earnings per share fell from $0.74 in the same quarter of 2024, and the company updated several full-year 2025 outlook figures.
Diluted EPS was $0.65, up from $0.59 in the first quarter of 2025 and down from $0.74 in the second quarter of 2024.
Record net interest income of $300 million, up 5% from the first quarter and 17% from the second quarter of 2024; net interest margin was 3.04%.
Noninterest expense was $209 million; the company now expects 2025 total net interest income growth of 14% to 15%, and total deposit growth of 1% to 3%.
Period-end loans were $30.6 billion and period-end deposits were $34.1 billion; CET1 capital ratio was 10.20% at June 30, 2025.
Coca-Cola Consolidated reported second-quarter 2025 results for the quarter ended June 27, 2025. Net sales rose 3.3% to $1.9 billion and income from operations rose 5.0% to $272.1 million, but volume fell 0.8%, and first-half income from operations fell 2.7% to $461.9 million while first-half net income fell 14.0% to $291.0 million. The quarter improved on the prior year, but the first half declined, so shareholders see a mixed picture.
Second-quarter net sales were $1,855.5 million, up 3.3%, while volume fell 0.8%.
Second-quarter net income was $187.4 million, up 8.4%; adjusted net income was $195.2 million, up 1.2%.
First-half income from operations was $461.9 million, down 2.7%; first-half net income was $291.0 million, down 14.0%, which the company says was hurt by non-cash fair value adjustments to a contingent consideration liability.
The company expects fiscal 2025 capital expenditures of approximately $300 million.
AMERISAFE reported second-quarter 2025 results, with GAAP net income of $14.0 million, up 26.9% from a year earlier, and diluted EPS of $0.73, up from $0.57. Operating net income fell 9.7% to $10.0 million, and underwriting profit fell 12.2% to $5.7 million, as the net combined ratio rose to 91.7% from 90.5%. Shareholders see higher reported earnings driven partly by investment gains, while core operating results declined.
Diluted EPS $0.73 vs $0.57 a year earlier (up 28.1%); operating EPS $0.53 vs $0.58 (down 8.6%)
Gross premiums written rose 4.3% to $79.7 million; voluntary premiums on policies written grew 12.8%
Net realized gains of $3.1 million and net unrealized gains of $1.8 million on equity securities contributed to results
Board declared a $0.39 quarterly dividend payable September 26, 2025; conference call scheduled July 25, 2025
Scholastic reported fiscal 2025 results for the year ended May 31, 2025, with revenues up 2% to $1,625.5 million but a net loss of $1.9 million, or $(0.07) per diluted share, compared with net income of $12.1 million a year earlier. The company guided fiscal 2026 Adjusted EBITDA to $160 million to $170 million and expects revenue to grow 2% to 4%, which gives shareholders a target for the coming year.
Fourth-quarter revenues rose 7% to $508.3 million, while diluted EPS fell to $0.59 from $1.23.
Full-year Adjusted EBITDA rose 6% to $145.4 million, helped by the 9 Story Media Group acquisition.
Fiscal 2026 guidance: Adjusted EBITDA of $160 million to $170 million and revenue growth of 2% to 4%.
Net debt was $136.6 million at May 31, 2025, versus a net cash position of $107.7 million a year earlier.
Heritage Financial reported second quarter 2025 net income of $12.2 million, or $0.36 per diluted share, down from $13.9 million, or $0.40, in the first quarter and $14.2 million, or $0.41, a year earlier. The results include a $6.9 million pre-tax loss from selling investment securities as part of a balance sheet repositioning, and the company also declared a $0.24 quarterly dividend, which matters to shareholders as a regular cash payout.
Net income was $12.2 million, or $0.36 per diluted share, versus $0.40 in Q1 2025 and $0.41 in Q2 2024.
A $6.9 million pre-tax securities sale loss reduced diluted EPS by $0.15 in the quarter.
Net interest margin rose to 3.51% from 3.44% in the first quarter.
Quarterly cash dividend of $0.24 per share is payable August 20, 2025 to holders of record on August 6, 2025.
Pool Corporation reported second quarter 2025 results, with net sales up 1% to $1.8 billion and diluted EPS up 4% to $5.17 from $4.99 a year earlier. For the first six months, diluted EPS fell 7% to $6.57 and net income fell 9% to $247.8 million, and the company updated its full-year 2025 diluted EPS guidance to $10.80 to $11.30.
Q2 2025 net sales rose 1% to $1.8 billion; gross margin held at 30.0%
Q2 2025 diluted EPS was $5.17 versus $4.99 in Q2 2024
Six-month diluted EPS fell 7% to $6.57 from $7.03; net income fell 9% to $247.8 million
Full-year 2025 diluted EPS guidance updated to $10.80 to $11.30, including a $0.10 year-to-date ASU 2016-09 tax benefit
Sonic Automotive reported second quarter 2025 revenue of $3.7 billion, up 6% year-over-year, but a net loss of $45.6 million, or $1.34 per diluted share, after a $172.4 million non-cash franchise asset impairment charge. The company also raised its quarterly cash dividend 9% to $0.38 per share, which matters to shareholders because it increases the regular cash payment while GAAP results turned to a loss.
Total revenues were $3.7 billion, up 6%, and gross profit was $602.2 million, up 12%.
Reported net loss was $45.6 million, or $1.34 per share, compared with net income of $41.2 million, or $1.18 per diluted share, a year earlier.
Excluding certain items, adjusted earnings per diluted share were $2.19, up 49%, a non-GAAP measure the company defines.
Quarterly dividend rises to $0.38 per share, payable October 15, 2025, to holders of record on September 15, 2025.
Advance Auto Parts said preliminary unaudited second-quarter 2025 results for the quarter ended July 12, 2025 fall in the upper range of its expectations, with net sales of $1.98 billion to $2.00 billion and flat comparable store sales. The company also announced debt financing transactions to establish a revised structure, including a planned asset-backed revolving loan facility to refinance its $1.0 billion revolving loan facility, which it says will support liquidity and a future return to an investment grade credit rating.
Preliminary Q2 2025 net sales of $1.98 billion to $2.00 billion
Year-over-year comparable store sales change of 0.0% to +0.1%
Adjusted operating income margin of 2.8% to 3.0%, a non-GAAP measure
Planned asset-backed revolving loan facility to refinance the $1.0 billion revolving loan facility; full results due before market open on August 14, 2025
World Acceptance reported first-quarter fiscal 2026 results with total revenue up 2.3% to $132.5 million, while net income fell to $1.3 million from $9.9 million and diluted EPS fell to $0.25 from $1.79. The company also replaced its prior credit facility with a three-year, $640.0 million senior secured revolver, approved a $100.0 million share repurchase program, and called its 7.000% notes due 2026 for redemption.
Net income was $1.3 million versus $9.9 million a year earlier; diluted EPS was $0.25 versus $1.79.
Provision for credit losses rose to $50.5 million from $45.4 million; net charge-offs were 19.4% of average net loans, up from 16.4%.
New $640.0 million revolving credit agreement with Bank of Montreal dated July 22, 2025, replacing the prior $730.0 million facility.
Board approved a repurchase program of up to $100.0 million, and the 7.000% notes (aggregate principal $168.3 million) will be redeemed on August 29, 2025 at 101.750%.
PHINIA reported second-quarter 2025 results with net sales of $890 million, up 2.5% from a year earlier, and diluted earnings per share of $1.14, compared with $0.31 in Q2 2024. The company also refined its 2025 net sales outlook to $3.33 billion to $3.43 billion, and said it agreed on June 10, 2025 to acquire Swedish Electromagnet Invest AB for about $47 million. Operating cash flow and adjusted free cash flow fell sharply, which shareholders may watch closely.
Q2 2025 net earnings of $46 million versus $14 million in Q2 2024; adjusted EPS of $1.27 versus $0.88
Adjusted EBITDA of $126 million, up from $117 million, with an adjusted EBITDA margin of 14.2%
Adjusted free cash flow of $20 million versus $108 million in Q2 2024; operating cash flow of $57 million, down $52 million
2025 guidance: net earnings of $140 million to $170 million and adjusted EBITDA of $455 million to $485 million
S&T Bancorp reported second-quarter 2025 net income of $31.9 million, or $0.83 per diluted share, down from $33.4 million, or $0.87 per share, in the first quarter and $34.4 million, or $0.89 per share, a year earlier. Net interest income rose 3.90% to $86.6 million on net interest margin expansion and loan growth, but noninterest expense also increased, so profit declined even as revenue grew.
Net income was $31.9 million, or $0.83 per diluted share, versus $0.87 in the first quarter of 2025 and $0.89 in the second quarter of 2024
Net interest income increased $3.3 million, or 3.90%, to $86.6 million; net interest margin (FTE) rose 7 basis points to 3.88%
Total noninterest expense increased $3.0 million to $58.1 million, mainly due to higher salaries and employee benefits
Nonperforming assets decreased $1.1 million to $21.3 million, or 0.27% of total loans plus OREO, at June 30, 2025
Visteon reported second-quarter 2025 sales of $969 million, down from $1,014 million a year earlier, and net income attributable to the company of $65 million, down from $71 million. The company raised its full-year 2025 sales, adjusted EBITDA and adjusted free cash flow guidance and initiated a quarterly dividend of $0.275 per share, which shareholders may weigh against the lower quarterly sales and profit.
Q2 2025 sales were $969 million versus $1,014 million in Q2 2024; diluted EPS was $2.36 versus $2.54.
Full-year 2025 guidance: sales $3.70 billion to $3.85 billion (up from $3.65 billion to $3.85 billion); adjusted EBITDA $475 million to $505 million (up from $450 million to $480 million).
Board approved a quarterly dividend of $0.275 per share, payable September 5, 2025, to holders of record on August 18, 2025.
Company paused share repurchases in Q2 due to tariff uncertainty and plans to resume capital returns opportunistically.
Iridium reported second-quarter 2025 total revenue of $216.9 million, up 8%, and operational EBITDA of $121.3 million, up 6%. Net income fell to $22.0 million from $32.3 million a year earlier, which included a one-time $19.8 million gain, and the company cut its full-year service revenue growth forecast to 3%-5% from 5%-7%. Shareholders also get a quarterly dividend increase to $0.15 per share from $0.14.
Q2 2025 net income was $22.0 million, or $0.20 per diluted share, versus $0.27 a year earlier; the prior-year period included a one-time $19.8 million gain.
Full-year 2025 service revenue growth guidance was lowered to 3%-5% from 5%-7%; full-year OEBITDA guidance of $490 million to $500 million was maintained.
Board declared a $0.15 per share dividend, payable September 30, 2025, to holders of record as of September 15, 2025.
The company repurchased about 2.6 million shares for $65.0 million in the quarter; $295.3 million remained under the program as of June 30, 2025.
American Airlines reported second-quarter 2025 revenue of $14.4 billion, a record for the company, up 0.4% from a year earlier. GAAP net income fell 16.4% to $599 million, or $0.91 per diluted share, and the company guided to an adjusted loss of $0.10 to $0.60 per diluted share for the third quarter. For shareholders, higher revenue did not offset lower profit, and the company expects a third-quarter loss.
Q2 2025 revenue of $14.4 billion, up 0.4% year over year; GAAP net income of $599 million, down from $717 million, or $0.91 per diluted share versus $1.01
Q2 operating margin of 7.9% as reported, versus 9.7% a year earlier
Third-quarter 2025 adjusted loss per diluted share guided to between ($0.10) and ($0.60); full-year adjusted EPS guided to between ($0.20) and $0.80, midpoint $0.30
Ended the quarter with $12 billion of total available liquidity and $29 billion of net debt
A. O. Smith reported second-quarter 2025 net sales of $1,011.3 million, down 1% from a year earlier, and net earnings of $152.2 million, down 3%. Diluted EPS rose 1% to $1.07, and the company raised its full-year sales outlook and the midpoint of its diluted EPS outlook, which now stands at $3.70 to $3.90. The company also said it is assessing strategic options for its China business, which matters to shareholders because the outcome and timing are not yet set.
Q2 2025 net sales were $1,011.3 million, down 1% from $1,024.3 million; net earnings were $152.2 million, down 3% from $156.2 million.
Diluted EPS was $1.07 versus $1.06 a year earlier, a 1% increase.
2025 outlook: net sales of $3,850 million to $3,930 million (growth of 1% to 3%) and diluted EPS of $3.70 to $3.90.
The company is assessing its China business, including possible strategic partnerships, with no timetable set; guidance excludes any outcome from that review.
Atlantic Union Bankshares reported second-quarter 2025 net income available to common shareholders of $16.8 million, or $0.12 per share, and adjusted diluted operating earnings of $0.95 per share. The results include its April 1, 2025 acquisition of Sandy Spring Bancorp, which brought $78.9 million in merger-related costs and $100.9 million in Day 1 credit loss provision expense.
GAAP net income available to common shareholders was $16.8 million, or $0.12 basic and diluted per share, for Q2 2025.
Adjusted diluted operating earnings were $0.95 per share, excluding items such as $78.9 million in merger-related costs and $100.9 million in CECL Day 1 provision expense.
Net interest income rose $137.2 million to $321.4 million from the first quarter, mainly due to the Sandy Spring acquisition.
Nonperforming assets were 0.60% of total loans held for investment at June 30, 2025, up 22 basis points from the prior quarter.
Bread Financial reported second-quarter 2025 net income of $139 million, or $2.94 per diluted share, up from $2.66 a year earlier, while revenue fell 1% to $929 million. The company improved its full-year 2025 net loss rate guidance to 7.8% to 7.9%, but said lower billed late fees will modestly pressure its full-year revenue expectation.
Q2 2025 net income $139 million and diluted EPS $2.94, versus $133 million and $2.66 in Q2 2024
Revenue $929 million, down 1% from $939 million; average credit card and other loans $17.7 billion, down 1%
2025 net loss rate guidance of 7.8% to 7.9%; full-year revenue expectation modestly pressured by lower billed late fees
Quarterly cash dividend of $0.21 per share, payable September 12, 2025 to holders of record August 8, 2025
RPC reported second quarter 2025 results, with revenue up 26% from the first quarter to $420.8 million, mainly due to the April 1, 2025 Pintail Completions acquisition. Excluding Pintail's $98.9 million in revenue, adjusted revenue fell 3%, and GAAP net income declined 16% sequentially to $10.1 million, or $0.05 per diluted share. The company also declared a regular quarterly dividend of $0.04 per share.
Revenue was $420.8 million, up 26% sequentially, including $98.9 million from Pintail; adjusted revenue decreased 3%.
GAAP net income was $10.1 million ($0.05 diluted EPS), versus $12.0 million ($0.06) in the first quarter; adjusted net income was $17.5 million ($0.08).
Acquisition related employment costs of $6.6 million were recorded in the quarter, with $78.6 million expected to be recognized over 12 quarters.
Board declared a $0.04 per share dividend payable September 10, 2025, to holders of record on August 11, 2025.
Brunswick reported second quarter 2025 net sales of $1,447.0 million, roughly flat year over year, while GAAP diluted EPS fell to $0.90 from $1.55 and as adjusted diluted EPS fell to $1.16 from $1.80. The company kept its full-year as adjusted diluted EPS guidance midpoint at approximately $3.25 and raised its free cash flow expectation to more than $400 million, but provided Q3 adjusted EPS of $0.75 to $0.90 on revenue of $1.1 to $1.3 billion, which is below the prior-year level.
Q2 2025 net sales $1,447.0 million, up 0.2% from $1,443.9 million; GAAP operating earnings $103.3 million, down 34.7%
Full-year 2025 guidance: net sales of approximately $5.2 billion, as adjusted diluted EPS of approximately $3.25, free cash flow above $400 million
Q3 2025 guidance: revenue of $1.1 to $1.3 billion and as adjusted diluted EPS of $0.75 to $0.90
Free cash flow of $288 million in Q2 2025, a second-quarter record; $43 million of share repurchases through the second quarter
Gentherm reported second-quarter 2025 product revenue of $375.1 million, down 0.2% from a year earlier, while net income fell to $0.5 million from $18.9 million. The company narrowed its full-year 2025 guidance, raising the low end of its product revenue range and lowering its capital expenditure outlook, which shows a mixed picture for shareholders.
Q2 GAAP diluted EPS was $0.02 versus $0.60 a year earlier; adjusted diluted EPS was $0.54 versus $0.66.
Adjusted EBITDA was $45.9 million, or 12.2% of revenue, versus $49.9 million, or 13.3%, a year earlier.
Full-year 2025 product revenue guidance was revised to $1.43 billion–$1.5 billion from $1.4 billion–$1.5 billion; adjusted EBITDA margin guidance narrowed to 11.7%–12.5% from 11.5%–13%.
The company repurchased $10.0 million of its common stock in the quarter and reported total liquidity of $416 million.
CVB Financial Corp. reported net earnings of $50.6 million, or $0.36 per diluted share, for the quarter ended June 30, 2025. That was down slightly from $51.1 million in the first quarter of 2025 but up from $50.0 million in the second quarter of 2024, while diluted EPS was unchanged from both periods. Net interest margin rose to 3.31% from 3.05% a year earlier, and total assets were $15.41 billion at June 30, 2025.
Net earnings $50.6 million vs. $51.1 million in Q1 2025 and $50.0 million in Q2 2024
Diluted EPS $0.36, unchanged from Q1 2025 and Q2 2024
Net interest margin 3.31%, up from 3.05% in Q2 2024
Total assets $15.41 billion at June 30, 2025; conference call set for July 24, 2025 at 7:30 a.m. PDT
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Briefs marked “Written later” were written in November 2026 for filings that were by then more than three weeks old, so months before mid-October 2026 hold a selection: every material 8-K of the past year for the 100 largest companies we cover and the last 15 important 8-Ks of every other one. Briefs the number check holds back are not shown or counted. Also: the last 45 days, briefs by company, A–Z and the live SEC filings wire.