1,152 material Form 8-K filings that 918 companies we cover made with the SEC in October 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).
Liberty Energy reported third-quarter 2025 revenue of $947 million, down 17% from a year earlier, and net income of $43 million, or $0.26 per diluted share. Adjusted EBITDA fell to $128 million and adjusted net loss was $10 million, or $(0.06) per share, and management said it anticipates market headwinds to persist in the near term. The company also raised its quarterly dividend 13% to $0.09 per share.
Revenue of $947 million, down 9% from $1.0 billion in Q2 2025 and down 17% from $1.1 billion in Q3 2024
Net income of $43 million ($0.26 diluted EPS) includes a $68 million gain on investments; Q3 2024 diluted EPS was $0.44
Adjusted net loss of $10 million, or $(0.06) per diluted share, compared with adjusted net income of $76 million in Q3 2024
Quarterly dividend raised 13% to $0.09 per share, payable December 18, 2025 to holders of record as of December 4, 2025
Simmons First National Corporation reported a third-quarter 2025 net loss of $562.8 million, or $4.00 per diluted share, compared with net income of $54.8 million in the second quarter. The loss mainly reflects an $801.5 million pre-tax loss on the sale of about $2.4 billion of low-yielding securities, part of a balance sheet repositioning funded by a roughly $327 million equity offering. Adjusted diluted EPS rose to $0.46 from $0.44 in the second quarter, but the GAAP loss sharply reduced shareholders' equity and book value per share.
Q3 2025 net loss of $562.8 million, or $(4.00) per diluted share, versus net income of $54.8 million in Q2 2025
Adjusted diluted EPS of $0.46 in Q3 2025, compared with $0.44 in Q2 2025 and $0.37 in Q3 2024
Book value per share fell to $23.18 from $28.17 at the end of Q2 2025, due to the loss on the sale of investment securities
Net interest margin rose 44 basis points to 3.50%, and the company completed a $325 million subordinated notes offering in Q3
Cohen & Steers reported third-quarter 2025 results for the period ended September 30, 2025, with revenue up 4.1% from the second quarter to $141.7 million and diluted earnings per share of $0.81, up from $0.72. Assets under management reached $90.9 billion, driven by net inflows of $233 million and market appreciation, which matters to shareholders because it reflects higher fee-earning assets and profit in the quarter.
Revenue of $141.7 million, up 4.1% from $136.1 million in the second quarter and up 6.4% from $133.2 million a year earlier
Diluted EPS of $0.81 versus $0.72 in the second quarter and $0.77 a year earlier; as-adjusted diluted EPS was also $0.81
Operating margin of 34.5% versus 31.8% in the second quarter; as-adjusted operating margin was 36.1%
Ending AUM of $90.9 billion, up 2.2% from June 30, 2025; the company will hold a conference call on October 17, 2025 at 10:00 a.m. ET
Independent Bank Corp. reported third-quarter 2025 net income of $34.3 million, or $0.69 per diluted share, down from $51.1 million, or $1.20 per diluted share, in the prior quarter. The decline reflects $23.9 million of pre-tax merger-related costs and a $34.5 million credit loss provision tied to the Enterprise Bancorp acquisition, which closed July 1, 2025; excluding these items, operating net income rose to $77.4 million, or $1.55 per diluted share.
Q3 2025 net income was $34.3 million, or $0.69 per diluted share, versus $51.1 million, or $1.20 per diluted share, in Q2 2025.
Operating net income, which excludes merger costs and acquisition-related provisions, was $77.4 million, or $1.55 per diluted share, versus $53.5 million, or $1.25, in Q2 2025.
Net interest income rose $55.8 million, or 37.9%, to $203.3 million, primarily due to the Enterprise acquisition.
Total assets reached $25.0 billion at September 30, 2025, after the Enterprise acquisition, which had total merger consideration of $503.1 million.
Glacier Bancorp reported third-quarter 2025 net income of $67.9 million, up 33 percent from a year earlier, with diluted earnings per share of $0.57 versus $0.45. Growth was driven by higher net interest income and margin, though the quarter included $7.0 million of acquisition-related expenses tied to the Bank of Idaho and Guaranty Bancshares deals.
Q3 2025 net income $67.9 million, up $16.8 million (33%) from Q3 2024 and up $15.1 million from Q2 2025
Diluted EPS $0.57 for Q3 2025, compared with $0.45 in both Q2 2025 and Q3 2024
Net interest margin rose to 3.39 percent from 2.83 percent a year earlier; quarterly dividend of $0.33 per share declared
Guaranty Bancshares acquisition completed October 1, 2025, adding a Texas presence; Guaranty had total assets of $3.111 billion
Interactive Brokers Group reported third-quarter 2025 results for the quarter ended September 30, 2025, with GAAP diluted EPS of $0.59 versus $0.42 a year earlier. Net revenues were $1.66 billion, up from $1,365 million, and income before income taxes was $1,312 million versus $909 million a year earlier.
GAAP diluted EPS was $0.59 versus $0.42 in the year-ago quarter; adjusted diluted EPS was $0.57 versus $0.40.
Commission revenue rose 23% to $537 million, and net interest income rose 21% to $967 million.
General and administrative expenses fell 59% to $62 million, mainly because $88 million in legal and regulatory matters from the prior year did not recur.
The board declared a quarterly cash dividend of $0.08 per share, payable December 12, 2025, to holders of record as of December 1, 2025.
CSX reported third quarter 2025 results with revenue of $3.59 billion, down 1% from a year earlier, and net earnings of $694 million, or $0.37 per share, down from $894 million, or $0.46 per share, in the third quarter of 2024. Excluding a non-cash goodwill impairment of $164 million tied to Quality Carrier, adjusted net earnings were $818 million, or $0.44 per share, which is still below the prior year's figures.
Third quarter operating income was $1.09 billion, down 20% from $1.35 billion a year earlier; adjusted operating income excluding the impairment was $1.25 billion.
Volume rose 1% year over year to 1.61 million units, but revenue fell 1% as lower export coal prices and lower merchandise volume offset gains in other revenue, merchandise pricing and intermodal.
Expenses rose $235 million, or 10%, in the quarter, including $164 million of goodwill impairment and $35 million of corporate restructuring, severance and advisory costs excluded from adjusted results.
The filing gives no new financial guidance for future periods.
SL Green reported third-quarter 2025 net income attributable to common stockholders of $24.9 million, or $0.34 per diluted share, compared with a net loss of $13.3 million, or $0.21 per share, a year earlier. Diluted FFO was $1.58 per share, though that figure is net of $13.1 million in transaction costs ($0.17 per share) tied mainly to the company's pursuit of a gaming license, and same-store cash NOI fell 4.2% from the prior-year quarter.
Q3 2025 diluted EPS was $0.34 versus a $0.21 loss in Q3 2024; diluted FFO was $1.58 per share versus $1.13.
Same-store cash NOI decreased 4.2% in Q3 2025, or 5.5% excluding lease termination income.
Total revenues were $244.8 million in Q3 2025 versus $229.7 million in Q3 2024.
For the nine months ended September 30, 2025, the company reported a net loss to common stockholders of $7.3 million, or $0.12 per share.
Westamerica Bancorporation reported third quarter 2025 net income of $28.3 million and diluted EPS of $1.12, down from $35.1 million and $1.31 a year earlier, though flat on EPS and little changed on net income from the second quarter's $29.1 million. Net interest income fell 13.8% year over year to $53.8 million, and the company recorded no provision for credit losses, while it paid a $0.46 dividend and retired 488 thousand shares.
Third quarter 2025 net income was $28.3 million, down 19.4% from $35.1 million in the third quarter of 2024.
Diluted EPS was $1.12, compared with $1.31 a year earlier and $1.12 in the second quarter of 2025.
Net interest income on an FTE basis was $53.8 million, down from $62.5 million a year earlier.
For the nine months ended September 30, 2025, net income was $88.4 million, down 17.4% from $106.9 million.
HCI Group's majority-owned subsidiary, Exzeo Group, disclosed preliminary, unaudited estimates for the three and nine months ended September 30, 2025, in an amendment to its Form S-1 filed October 16, 2025. Exzeo's financial closing procedures are not complete, so actual results may differ, and its auditor, Forvis Mazars, has not reviewed the figures. The filing gives no prior-period comparisons.
Estimated revenue: $53.5 million to $56.8 million for the three months and $162.0 million to $165.3 million for the nine months ended September 30, 2025
Estimated net income after tax: $20.1 million to $22.2 million for the three months and $59.7 million to $61.8 million for the nine months
Figures are unaudited, based on preliminary estimates, and subject to completion of financial closing procedures
Forvis Mazars, LLP has not audited, reviewed, or provided assurance on the preliminary information
Commerce Bancshares reported third-quarter 2025 diluted earnings of $1.06 per share and net income of $141.5 million, up from $1.01 and $138.0 million in the same quarter of 2024 but down from $1.14 and $152.5 million in the second quarter of 2025. For the first nine months, diluted EPS was $3.18 versus $2.86 a year earlier. The company also said it expects to complete its FineMark acquisition on January 1, 2026.
Q3 2025 diluted EPS $1.06, versus $1.01 in Q3 2024 and $1.14 in Q2 2025
Q3 net income $141.5 million, versus $138.0 million a year earlier and $152.5 million in Q2 2025
Provision for credit losses was $20.1 million in Q3 2025, versus $5.6 million in Q2 2025, which management cited as a factor in the sequential decline
Expected close date for the FineMark acquisition is January 1, 2026
ManpowerGroup reported third-quarter 2025 revenue of $4.6 billion, up 2% as reported and up 1% on an organic constant currency basis, its first organic growth after 11 consecutive quarters of declines. Net earnings fell to $18.0 million, or $0.38 per diluted share, from $22.8 million, or $0.47, as restructuring costs and Argentina currency translation losses reduced EPS by $0.45; excluding those items EPS was $0.83. The company guided fourth-quarter diluted EPS to between $0.78 and $0.88.
Q3 revenue of $4.6 billion, up 2% as reported and 1% organic constant currency, versus 11 prior quarters of organic declines
Q3 diluted EPS of $0.38 versus $0.47 a year earlier; $0.83 excluding restructuring and Argentina charges
Nine-month net loss of $43.5 million, or $0.93 per diluted share, including $88.7 million of impairment charges
Q4 2025 diluted EPS guidance of $0.78 to $0.88, including an estimated favorable currency impact of $0.08
Commercial Metals Company reported fourth-quarter fiscal 2025 net earnings of $151.8 million, or $1.35 per diluted share, up from $103.9 million a year earlier, on net sales of $2.1 billion. For the full fiscal year, net earnings fell to $84.7 million from $485.5 million, reflecting an after-tax litigation charge of approximately $274 million tied to the Pacific Steel Group case, so shareholders face a mixed picture of a stronger quarter and a much weaker year.
Q4 fiscal 2025 adjusted earnings were $155.0 million, or $1.37 per diluted share, versus $97.4 million, or $0.84, a year earlier
Fiscal 2025 net earnings were $84.7 million, or $0.74 per diluted share, on net sales of $7.8 billion, versus $485.5 million, or $4.14, on $7.9 billion in fiscal 2024
The board declared a quarterly dividend of $0.18 per share, payable November 13, 2025, to holders of record on October 30, 2025
Management expects first-quarter fiscal 2026 consolidated results to be generally consistent with the fourth quarter; the company also recast historical non-GAAP measures under a revised methodology
Travelers reported third-quarter 2025 net income of $1.888 billion, or $8.24 per diluted share, up from $1.260 billion, or $5.42 per share, a year earlier. The company said lower catastrophe losses and higher net investment income drove the increase, and it returned $878 million to shareholders during the quarter, including $628 million in share repurchases.
Net income of $1.888 billion versus $1.260 billion a year earlier; core income of $1.867 billion, or $8.14 per diluted share
Combined ratio improved to 87.3% from 93.2%, with catastrophe losses of $402 million pre-tax versus $939 million
Net investment income rose 15% after tax to $850 million
Board declared a regular quarterly dividend of $1.10 per share, payable December 31, 2025 to holders of record on December 10, 2025
U.S. Bancorp reported third-quarter 2025 net income attributable to the company of $2,001 million, up 16.7% from a year earlier, and diluted earnings per share of $1.22, up 18.4%. Total net revenue reached a record $7,329 million, up 6.8% year over year, with noninterest expense roughly flat, which the company attributes to operating leverage and cost savings.
Net income attributable to U.S. Bancorp was $2,001 million, up from $1,714 million in Q3 2024 and $1,815 million in Q2 2025.
Diluted earnings per common share were $1.22, compared with $1.03 a year earlier and $1.11 in the second quarter of 2025.
Total net revenue was $7,329 million, up 6.8% year over year; noninterest expense was $4,197 million, down 0.2%.
Moody's Ratings revised the outlook to stable from negative and affirmed senior unsecured debt at A3.
Marsh McLennan reported third-quarter 2025 results, with revenue of $6.4 billion, up 11% from a year earlier (4% on an underlying basis). GAAP earnings per share were $1.51, flat with the prior-year quarter, while adjusted EPS rose 11% to $1.85. Shareholders also learned that the company's NYSE ticker will change from MMC to MRSH in January 2026, and that its businesses will adopt the Marsh brand.
Q3 2025 revenue $6.4 billion, up 11% (4% underlying); operating income rose 6% to $1.2 billion
GAAP EPS $1.51 versus $1.51 a year earlier; adjusted EPS $1.85, up 11%
Repurchased about 1.9 million shares for $400 million in Q3; $1.0 billion repurchased in the first nine months
Stock ticker changes from MMC to MRSH on the NYSE in January 2026
Snap-on reported third-quarter 2025 net sales of $1,190.8 million, up 3.8% from a year earlier, with organic sales up 3.0%. Diluted EPS was $5.02 versus $4.70 a year ago, but the figure includes a $0.31 per share after-tax benefit from a legal settlement, so shareholders should weigh the one-time item when comparing results.
Net sales of $1,190.8 million, up $43.8 million or 3.8%; organic sales up 3.0%
Diluted EPS of $5.02 versus $4.70 in Q3 2024, including a $0.31 per share after-tax legal settlement benefit ($16.2 million)
Repair Systems & Information operating earnings of $141.2 million versus $107.3 million, including a $22.0 million legal settlement benefit
Full-year 2025 effective income tax rate expected to be 22% to 23%; capital expenditures projected to approximate $100 million
KeyCorp reported third-quarter 2025 net income from continuing operations attributable to common shareholders of $454 million, or $0.41 per diluted share, up from $387 million, or $0.35, in the second quarter. Total revenue was $1.9 billion, up 3.0% from the prior quarter, and book value per share rose to $15.86 at September 30, 2025. The third quarter of 2024 had a net loss of $447 million that included a securities sale loss, so the year-over-year comparison is distorted.
Net income of $454 million, or $0.41 per diluted share, versus $387 million, or $0.35, in the second quarter of 2025
Total revenue of $1.9 billion, up 3.0% from the second quarter; net interest margin of 2.75%, up 9 basis points
Net loan charge-offs of $114 million, or 0.42% of average total loans; nonperforming assets of $668 million, down 5.5% from June 30, 2025
Book value per share of $15.86 at September 30, 2025, up from $15.32 at June 30, 2025
BNY reported third-quarter 2025 results, with total revenue of $5.1 billion, up 9% from a year earlier, and diluted earnings per share of $1.88, up 25%. Earnings per share fell 3% from the second quarter's $1.93, and the company returned $1.2 billion to common shareholders, which gives shareholders both profit growth and capital return.
Total revenue of $5.1 billion, up 9% year-over-year and 1% from the second quarter
Diluted EPS of $1.88, up 25% year-over-year but down 3% from $1.93 in the second quarter
Net income applicable to common shareholders of $1.34 billion, down 4% from the second quarter
Returned $1.2 billion to common shareholders, including $849 million of share repurchases and $381 million of dividends
M&T Bank Corporation reported third-quarter 2025 net income of $792 million, or $4.82 per diluted share, up from $721 million, or $4.02 per share, a year earlier. Net interest income and noninterest income both rose from the year-earlier quarter, while the provision for credit losses was $125 million. For shareholders, diluted earnings per share rose 20% from a year earlier, and the company repurchased $409 million of its common stock in the quarter.
Diluted EPS was $4.82, compared with $4.02 in the third quarter of 2024 and $4.24 in the second quarter of 2025.
Noninterest income was $752 million, up from $606 million a year earlier, including a $28 million earnout distribution and a $20 million distribution from Bayview Lending Group.
M&T repurchased 2.1 million shares for $409 million in the quarter, compared with $1.1 billion in the second quarter of 2025.
Nonaccrual loans were $1.5 billion at September 30, 2025, down from $1.9 billion a year earlier; the CET1 capital ratio was an estimated 10.99%.
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.