US Pre-Market SEC Filings Roundup — October 22, 2026

21-10-2026

Southport Acquisition Sponsor II LLC, its managing member Southport Sponsor Management II, LLC, and Chairman/CEO/CFO Jeb Spencer filed Amendment No. 1 to Schedule 13D reporting beneficial ownership of 7,500,000 ordinary shares (500,000 Class A and 7,000,000 Class B), equal to 26.07% of 28,770,000 total ordinary shares outstanding as of October 19, 2026. On October 19, 2026, the Sponsor surrendered and the Issuer cancelled 666,667 Class B shares for no consideration after underwriters forfeited the remaining over-allotment option. Reporting persons disclaim beneficial ownership beyond their pecuniary interest.

• · Original Schedule 13D was filed with the SEC on October 7, 2026; this is Amendment No. 1
• · Reporting persons hold sole voting and dispositive power over all 7,500,000 shares, with no shared power
• · The 500,000 Class A shares are part of units (one Class A share plus one-half warrant), with warrants exercisable 30 days after the initial business combination
• · Class B shares convert one-for-one into Class A shares at the time of the initial business combination or earlier at the holder's option
• · No reporting person effected transactions in ordinary shares in the 60 days prior to the filing other than the October 19, 2026 cancellation
• · Filing references Form S-1 File No. 333-298104 for founder share terms

21-10-2026

Synnex Technology International Corp (via its wholly owned subsidiary Peer Developments Ltd.) filed an amended Schedule 13G reporting beneficial ownership of 3,219,287 shares of Concentrix Corp common stock as of September 30, 2026, representing approximately 5.3% of the class. The filing reports sole voting and dispositive power over all reported shares, with no shared or undisclosed holdings. This is a routine beneficial ownership disclosure under Rule 13d-1(d) and does not by itself indicate an acquisition, disposition, or change of control.

• · Filing type is Schedule 13G/A (LIVE), indicating an amendment to a previously filed beneficial ownership report, with an event date of 09/30/2026 and filing date of 10/21/2026
• · Filed under Rule 13d-1(d), which applies to passive investors who acquired shares before a registered class-level change and are not seeking control
• · Filer is a Taiwan-based corporation; the holding is held indirectly through Peer Developments Ltd., a 100% directly owned subsidiary
• · Item 4 reports 5.27% of class while the cover page reports 5.3%, a rounding difference between the two disclosures

21-10-2026

Chief Financial Officer Kiessling Heather sold 21,830 Common Stock at $2.19 (~$47.8K). Kiessling Heather holds 1,504,422 shares after the transaction.

• · Chief Financial Officer Kiessling Heather sold 21,830 Common Stock at $2.19 (~$47.8K)

21-10-2026

Chief Revenue Officer Cramer Keith sold 12,000 Class A Common Stock at $11.39 (~$137K). Cramer Keith holds 239,303 shares after the transaction. Trades executed under a Rule 10b5-1 plan.

• · Chief Revenue Officer Cramer Keith sold 12,000 Class A Common Stock at $11.39 (~$137K)

21-10-2026

Acco Group Holdings Ltd (ACCL) reported FY2026 (year ended June 30, 2026) revenue of $5,172,513, up 5.8% from $4,888,824 in FY2025, but net income fell 72.0% to $286,445 from $1,021,725 as general and administrative expenses more than doubled to $1,431,538 and operating income dropped 78.6% to $231,237. Gross margin contracted to 42.4% from 43.8% (and 48.5% in FY2024), while cash and cash equivalents rose to $6,463,742 largely on $3,955,291 of financing inflows.

• · Net income fell to $286,445 despite revenue growth, as operating income collapsed 78.6% to $231,237 and the effective tax rate on pre-tax income of $330,561 was about 13.3%.
• · Cash rose 163.7% to $6,463,742, but operating cash flow fell 62.8% to $572,354 and the increase was driven mainly by $3,955,291 in financing inflows versus a $1,122,685 outflow in FY2025.
• · Gross profit grew only 2.4% while gross margin compressed roughly 1.4 percentage points from FY2025 and about 6.1 points from FY2024.
• · Basic and diluted EPS fell to $0.021 from $0.083 on a 8.1% increase in weighted average shares to 13,515,186.
• · Related-party balances offset by unpaid dividends were fully cleared by FY2025 from $2,181,473 at June 30, 2024; the subsidiaries declared no dividends in FY2025 or FY2026.

21-10-2026

CRESUD Inc. filed its annual report on Form 20-F covering the fiscal year ended June 30, 2026. The excerpt provided consists of the table of contents, glossary of defined terms, and risk factor headings relating to Argentina, Brazil, its agricultural business, its subsidiary IRSA, and its ADSs; it contains no reported financial results, so no period-over-period performance comparison can be made from this content. The risk disclosures highlight exposure to volatile crop prices, export taxes, weather and disease, currency and macroeconomic conditions in Argentina and Brazil, and IRSA's shopping mall and leasing risks.

• · Filing covers fiscal years ended June 30, 2026, 2025 and 2024 under IFRS Accounting Standards, with IAS 29 hyperinflation accounting applicable
• · Risk factors flag fluctuating agricultural commodity prices, export taxes or market intervention, and unhedged crop price exposure as key earnings risks
• · IRSA-related risks include mall performance sensitivity to tenant defaults, interest rates, internet competition, geographic concentration in Argentina, and acquisition profitability
• · Risks specific to ADS holders include potential PFIC status for U.S. holders, Argentine tax law changes, dilution from future equity issuances, and difficulty effecting U.S. service of process
• · Filing references a Glossary of defined terms and Item 15 controls and procedures, with Item 16 covering audit committee, code of ethics and principal accountant fees

21-10-2026

STAK Inc. reported FY2026 (year ended June 30, 2026) revenue of $28,206,019, up 13.21% YoY from $24,914,618, driven by a 103.35% surge in oilfield vehicle sales to $22,184,226. However, profitability was thin: gross margin contracted to 26.43% from 30.86%, operating income was $1,078,831 (3.83% margin), and net income was $425,541 (1.51% margin). Oilfield equipment sales fell 53.89% YoY and automation service income dropped to zero, while FY2025 had been depressed by a $5,712,680 net loss driven by G&A spikes and asset sale losses.

• · G&A expenses fell from $6,800,745 (27.30% of revenue) in FY2025 to $2,001,457 (7.10%) in FY2026, a major driver of the swing to operating profit.
• · FY2025 included a $1,538,023 loss on sale of equipment and a $1,097,204 loss on sale of accounts receivable, neither of which recurred in FY2026.
• · Income tax swung from a $269,962 benefit in FY2025 to a $491,512 expense in FY2026, compressing net margin despite higher pre-tax income.
• · Other revenue segment remained negative at the gross profit level (-$87,594, -17.17% margin) in FY2026.
• · R&D spending rose to $3,475,397 (12.32% of revenue) in FY2026 from $3,269,086 in FY2025, while still below FY2024 absolute dollars of $1,677,456 relative to revenue shares of 8.87%.
• · Risk factors flag dependence on oil demand, RMB/USD exchange rates, reliance on PRC subsidiary dividends, and share price volatility tied to customer concentration and lock-up expiries.

21-10-2026

Brainsway Ltd. furnished a Form 6-K for October 2026 attaching its Notice and Proxy Statement for the Annual Meeting of Shareholders (Exhibit 99.1) and a Proxy Card (Exhibit 99.2). The filing is administrative in nature and contains no financial results, quantitative performance data, or new operational disclosures.

• · Filing is a Form 6-K for the month of October 2026, signed by CEO Hadar Levy on October 21, 2026
• · Company files annual reports on Form 20-F; principal executive office in Jerusalem, Israel
• · Form 6-K is incorporated by reference into Form S-8 registrations (No. 333-230979 filed April 22, 2019; No. 333-295189 filed April 20, 2026) and Form F-3 registrations (No. 333-280934 filed July 22, 2024; No. 333-286672 filed April 22, 2025)
• · Commission File Number: 001-35165

21-10-2026

Caesarstone Ltd. furnished a Form 6-K on October 21, 2026, announcing that its board resolved on October 20, 2026 to hold the 2026 annual general meeting of shareholders on November 25, 2026, with a record date of October 20, 2026. The filing includes the Notice and Proxy Statement (Exhibit 99.1) and the Proxy Card (Exhibit 99.2) so shareholders can vote with or without attending in person. The filing contains no financial results, guidance, or quantitative performance data.

• · Annual general meeting scheduled for November 25, 2026
• · Record date for shareholder voting is October 20, 2026
• · Commission File Number 001-35464; Form 20-F filer
• · Filing incorporated by reference into Form S-8 registration statements (Files Nos. 333-180313, 333-210444, 333-251642 and 333-295843)

21-10-2026

Genenta Science S.p.A. received a Nasdaq notification on October 16, 2026 that its ADSs have been below $1.00 for 30 consecutive business days (September 3 through October 15, 2026), placing it out of compliance with the minimum bid price requirement. The company has been granted an initial 180-day compliance period until April 14, 2027, and the notice has no immediate effect on the listing or trading of its ADSs on the Nasdaq Capital Market. The company may implement a previously approved reverse stock split (1-for-10 to 1-for-20) if necessary, but cannot guarantee it will regain compliance.

• · Shareholders approved the reverse split at the July 29, 2026 Extraordinary Shareholders' Meeting, with the Board authorized to decide within 12 months whether and when to implement it
• · The deficiency is cited under Nasdaq Listing Rule 5550(a)(2) with compliance period granted under Rule 5810(c)(3)(A)
• · A press release dated October 21, 2026 was furnished as Exhibit 99.1

21-10-2026

INLIF Ltd (INLF) filed a Form 6-K on October 21, 2026, containing excerpted contractual language from a warrant or similar financing instrument governing the pricing of ordinary share issuances upon exercise. The excerpt defines the 'B' price component by reference to the Weighted Average Price (VWAP) on the preceding Trading Day, the bid price as reported by Bloomberg, or the same-day VWAP, depending on the timing of the Exercise Notice relative to regular trading hours. No financial results, dollar amounts, or new capital commitments are disclosed in the excerpt.

• · The filing references SEC Rule 600(b) of Regulation NMS to define 'regular trading hours' for exercise pricing purposes
• · Pricing mechanics allow the Holder to elect between the prior-day VWAP and the Bloomberg-reported bid price for exercises executed during regular trading hours and delivered within two hours
• · The excerpt indicates the instrument is governed by a Trading Market framework and an Exercise Notice process under Section 1(a)

21-10-2026

VTEX announced that Leandro Balbinot, a retail and technology executive with over three decades of experience at large global organizations (most recently EVP & CTO Financial Services at Capital One, previously CTO & SVP at Amazon Grocery / Whole Foods), will join its Board of Directors effective November 1, 2026. The announcement is a governance update with no financial results, guidance, or quantitative performance data disclosed.

• · Balbinot's appointment takes effect November 1, 2026
• · Balbinot recently joined Capital One as EVP & CTO Financial Services
• · Previously held CTO & SVP role at Amazon Grocery / Whole Foods and senior technology/digital roles at McDonald's, Kraft Heinz, Lojas Renner, and Anheuser-Busch InBev
• · VTEX describes itself as an AI-native commerce suite focused on operational efficiency for CIOs and CEOs

21-10-2026

Zhihu Inc. furnished a Form 6-K on October 21, 2026 for the month of October 2026, attaching Exhibit 99.1, an announcement regarding the completion of a major transaction involving the subscription of a fund. The filing itself contains no quantitative financial data, and the transaction's size, counterparty, and strategic rationale cannot be determined from the filing body alone.

• · Filing is a Form 6-K (Report of Foreign Private Issuer) for the month of October 2026, with Commission File Number 001-40253.
• · Registrant's principal executive offices are at 18 Xueqing Road, Haidian District, Beijing, PRC.
• · The registrant indicated it files annual reports on Form 20-F rather than Form 40-F.
• · The substantive announcement is contained in Exhibit 99.1, which is not reproduced in the provided content, so transaction terms, amounts, and the fund's identity are unavailable.

21-10-2026

America's Car-Mart entered into a Second Amendment to its Credit and Guaranty Agreement dated October 15, 2026, with Silver Point Finance, LLC as administrative agent, establishing $5.0M in new senior secured term loan commitments drawn on the Effective Date. The amendment also limits mandatory prepayments for Borrowing Base Deficiencies to instances requested by Requisite Lenders, and follows a First Amendment and Limited Waiver dated June 19, 2026 addressing certain Specified Defaults. The filing signals ongoing covenant and liquidity pressure, though the document itself does not disclose quarterly performance figures.

• · Credit agreement originally dated October 30, 2025, amended June 19, 2026 with a limited waiver of Specified Defaults, and now amended again
• · New term loans rank senior in right of payment to other Loans and are secured on a pari passu basis with other secured Obligations
• · Proceeds restricted to general corporate purposes, including fees and expenses, per the most recently delivered Approved Budget
• · Effectiveness conditioned on no Default or Event of Default, and a Funding Notice due three Business Days before the Effective Date
• · Borrowers are not required to make mandatory prepayments for Borrowing Base Deficiencies under Section 2.10(e) unless requested by Requisite Lenders
• · A Second Amendment Closing Fee is payable to Lenders in kind on the Effective Date

21-10-2026

Ares Strategic Income Fund reported a September 30, 2026 NAV of $26.69 per share across all classes, with aggregate NAV of approximately $9.9 billion and a debt-to-equity ratio of 1.24x (1.19x net of cash). The Fund disclosed 543,863 Class I shares sold in October 2026 for $14.5 million, declared monthly distributions of $0.21430 per share through December 2026, and reported a September 2026 monthly total return of 0.61% for Class I shares, which trailed the 9.92% annualized since-inception return it still delivered, while trailing 3-month return of 2.35% reflected modest net unrealized losses in September.

• · Portfolio spans 795 portfolio companies with average position size of 0.1%
• · 92% of debt investments at fair value are floating rate; 78% of investments are senior secured loans
• · Distributions as of September 30, 2026 were 100% funded from cash flows from operations since inception
• · Expense ratios (annualized as of June 30, 2026): Class I gross 8.66%/net 8.79%, Class D gross 8.95%/net 9.07%, Class S gross 9.57%/net 9.70%
• · September 2026 trailing 3-month return was 2.29% for Class D and 2.13% for Class S, versus 2.35% for Class I
• · Monthly distributions of $0.21430 gross per share declared for October, November and December 2026, with Class S and D net amounts reduced by shareholder servicing/distribution fees
• · Filing notes the September 2026 performance was partially offset by modest net unrealized losses across the portfolio
• · Class I shares carry no shareholder servicing or distribution fees while Class S and Class D do

21-10-2026

Alaunos Therapeutics disclosed that it believes it has regained compliance with Nasdaq's $2.5 million stockholders' equity requirement following the October 13, 2026 Velaris Therapeutics merger and an approximately $350.0 million gross private placement closed October 14, 2026. Nasdaq will continue monitoring compliance, and the company may face delisting if it does not evidence compliance when filing its FY2026 Form 10-K; the Panel hearing scheduled for November 10, 2026 is expected to be cancelled only upon Staff confirmation, which is not assured. Pre-transaction stockholders' equity was $2,153,000 as of the FY2025 10-K, and the company's Q3 2026 10-Q will not reflect the merger or financing.

• · Hearing before the Nasdaq Hearings Panel is scheduled for November 10, 2026, and will be cancelled only if Nasdaq Staff confirms compliance
• · Waiver of the Cash Settlement Right terminates on the later of stockholder approval of Series C conversion and effectiveness of the authorized share increase
• · Series B and most Series C preferred shares are expected to be classified outside permanent stockholders' equity pending stockholder approvals
• · Q3 2026 10-Q balance sheet (as of September 30, 2026) predates the merger and financing and will not reflect their effect on equity
• · Company acknowledges risk that Nasdaq may not concur with its compliance determination and that preliminary accounting conclusions may change

21-10-2026

Arcus Biosciences (RCUS) filed an 8-K under Item 2.02 disclosing a preliminary, unaudited estimate of approximately $694.0 million in cash, cash equivalents and marketable securities as of September 30, 2026. The company states the figure is subject to completion of financial closing procedures, has not been audited or reviewed by Ernst & Young LLP, and is not a comprehensive statement of financial results or condition. No revenue, net income, or period-over-period comparison was provided in the filing.

• · Figure is unaudited and Ernst & Young LLP expresses no assurance on it
• · Company states adjustments to the figure are possible before final financial statements
• · Company has not provided revenue, earnings, or prior-period comparison in this filing

21-10-2026

Ares Sports, Media and Entertainment Opportunities LP disclosed the sale of unregistered limited partnership units on October 1, 2026, for aggregate consideration of approximately $77.0 million under its continuous private offering to accredited investors and qualified purchasers. The filing also reported Transactional NAV per Unit as of September 30, 2026, ranging from $28.52 (Class S) to $29.46 (Class E), with aggregate Transactional NAV of approximately $988 million. Performance versus prior periods is not disclosed in this filing, so no period-over-period comparison can be made.

• · Class E Units carry the highest Transactional NAV per Unit at $29.46, while Class S carries the lowest at $28.52
• · Organizational and offering expenses are being deducted from Transactional NAV ratably over 60 months beginning June 1, 2026
• · Units were sold partly through Ares SME O TE LP, a feeder vehicle for tax-exempt and non-U.S. investors
• · The Fund's Transactional NAV may differ from GAAP net asset value

21-10-2026

ARMOUR Residential REIT reported a Q3 2026 GAAP net loss to common stockholders of $(327.0) million, or $(2.26) per share, with book value per common share falling to $14.55 from $18.63 at year-end 2025 and total economic return of (12.9)% for the quarter. Distributable Earnings were $102.3 million ($0.71 per common share), slightly down from $0.72 in Q2, while the company raised $205.7 million through its ATM program and repurchased 363,700 shares; leverage rose to 8.24:1 and the company remains exposed to wider mortgage spreads.

• · Total economic return of (12.9)% for Q3 2026 is the key negative headline metric and reflects book value decline plus dividends
• · Loss on MBS of $(1,165.1) million was largely offset by a $515.1 million gain on interest rate swaps and $311.7 million gain on futures contracts
• · Implied leverage including TBA and forward positions was 8.41:1 at Sep 30, 2026 versus 7.94:1 average for Q3
• · Liquidity of $1.0 billion excludes $253.2 million of MBS principal and interest receivable due October 2026
• · Common dividend of $0.24 per share per month ($0.72 per quarter) was maintained despite the net loss, with Distributable Earnings of $0.71 per share covering it approximately
• · Management attributes the Q3 loss to mortgage spreads widening late in the quarter as rates rose on a more hawkish Federal Reserve
• · Conference call scheduled for October 22, 2026 at 8:00 a.m. ET

21-10-2026

Ategrity Specialty Insurance Company Holdings reported Q3 2026 results with gross written premiums up 14.7% to $165,021 thousand and a record-low combined ratio of 84.7% (vs. 88.7% in Q3 2025), driving underwriting income up 83.7% to $19,504 thousand. However, net income attributable to stockholders declined 35.7% year-over-year to $14,577 thousand ($0.29 per diluted share vs. $0.45), largely due to a $17,249 thousand net realized and unrealized loss on investments versus a $9,179 thousand gain in the prior-year quarter, and adjusted return on equity fell to 8.9% in Q3 from 15.9%. The filing also includes an officer-related item under Item 5.02.

• · Nine-month 2026 net income attributable to stockholders rose to $73,494 thousand from $48,747 thousand, a 50.8% increase, with nine-month diluted EPS of $1.47 vs. $1.06
• · Q3 2026 expense ratio improved to 27.2% from 28.7%, with policy acquisition costs at 17.2% of net earned premiums vs. 17.9%
• · Q3 2026 net earned premiums grew 35.7% to $127,139 thousand from $93,710 thousand
• · Casualty gross written premiums growth of 10.0% in Q3 slowed sharply from 20.4% nine-month growth, indicating deceleration in the quarter
• · Q3 2026 return on stockholders' equity (unadjusted) was 8.8% vs. 15.8% in the prior-year quarter
• · Q3 2026 net income attributable to non-controlling interest - General Partner was a loss of $3,534 thousand vs. income of $952 thousand in Q3 2025

21-10-2026

Beacon Financial Corp (NYSE: BBT) reported Q3 2026 net income of $61.2 million ($0.73 per share), down from $64.4 million ($0.77) in Q2 2026, though well above the net loss of $(4.2) million in Q3 2025, which was affected by merger-related accounting. Operating earnings were $64.7 million ($0.77 per share), flat versus Q2 and up from $34.0 million in Q3 2025. Net interest income and net interest margin improved, but total loans fell $169.8 million quarter over quarter, deposits fell $303.3 million, nonperforming assets rose to $163.1 million, and the board raised the stock buyback authorization to $125 million.

• · Total assets fell $991.9M year over year, driven mainly by lower payroll-related cash balances at quarter-end
• · Brokered deposits fell $531.2M year over year, payroll deposits fell $159.0M, and customer deposits fell $31.3M
• · Total borrowed funds fell $305.0M year over year and $113.1M quarter over quarter
• · Net charge-offs were driven by restructuring of a large ABL transaction
• · Three larger CRE loans deteriorated and required specific reserves
• · Restructuring expenses of $5.1M were incurred in Q3 2026 versus none in Q2
• · Average total deposits rose 1% linked quarter, and the company cites its effective tax rate of 26.7% year to date
• · Stock repurchase program is subject to regulatory approval and runs for 12 months after authorization
• · Quarterly dividend of $0.3225 per share declared, payable November 20, 2026 to holders of record November 6, 2026

21-10-2026

BrightSpire Capital, Inc. (BRSP) filed an 8-K on October 21, 2026, attaching as Exhibit 10.1 the Indenture dated October 16, 2026 governing the BRSP 2026-FL4 commercial real estate CLO. The issuers are BRSP 2026-FL4, Ltd. (Cayman Islands) and BRSP 2026-FL4, LLC (Delaware), with Wilmington Trust as trustee and Computershare as note administrator and custodian. The excerpt is a structural document with no monetary amounts, financial results, or performance metrics disclosed.

• · The indenture is dated October 16, 2026, five days before the 8-K filing date of October 21, 2026
• · Item 1.01 (entry into material definitive agreement) and Item 2.03 (creation of direct financial obligation) are disclosed, indicating the notes represent a new material financial obligation for the company
• · The indenture includes provisions for a ramp-up period, reinvestment, a REIT status covenant, credit risk retention, and an auction call redemption
• · The excerpt is a table of contents and preliminary statement only; the filing does not disclose the aggregate note principal amount, coupon/spread, or maturity date in the provided text

21-10-2026

CNB Financial Corporation reported Q3 2026 net income available to common shareholders of $27.0 million, or $0.91 per diluted share, flat with Q2 2026 ($0.91) and up from $0.69 in Q3 2025 (or $0.82 adjusted). Earnings declined $244 thousand sequentially, while total deposits fell $32.6 million (0.46%) largely due to an exit of higher-cost corporate deposits, and nonperforming assets were $56.9 million (0.68% of total assets), down from $58.4 million. Net loan charge-offs rose to $2.4 million from $1.4 million, mainly from a $1.6 million charge-off on one commercial and industrial relationship.

• · Nonperforming assets rose $16.5 million year-over-year, driven by two previously disclosed relationships: a C&I relationship totaling $7.2 million and a commercial relationship totaling $6.8 million.
• · Estimated uninsured deposits rose to 30.02% of CNB Bank deposits (19.07% adjusted), up from 28.83% (18.73% adjusted) at June 30, 2026.
• · Total available liquidity sources were approximately 4.7 times adjusted uninsured deposits as of September 30, 2026.
• · Organic loan growth was concentrated in commercial and residential real estate, while year-over-year growth was partly offset by $71.4 million in CRE prepayments on ESSA-acquired loans and a $40.0 million payoff of the largest office building loan in the BankOnBuffalo division.
• · Net interest margin was essentially flat at 3.89% versus 3.88%, but purchase accounting accretion fell from $4.8 million to $2.7 million sequentially.
• · Pre-tax unrealized securities losses reached 8.98% of shareholders' equity, up from 6.02% at June 30, 2026; the company states all regulatory capital ratios would still exceed well-capitalized levels if fully recognized.
• · Short-term borrowings declined year-over-year due to repayment of borrowings assumed in the ESSA acquisition.

21-10-2026

Consumer Portfolio Services, Inc. (CPSS) closed its fourth term securitization of 2026 on October 21, 2026, with qualified institutional buyers purchasing $767.85 million of asset-backed notes (CPS Auto Receivables Trust 2026-D) secured by $797.36 million of automobile receivables. The transaction is the company's 61st senior subordinate securitization since 2011 and its 111th securitization overall, with the senior class rated triple-A by at least two agencies for the 44th consecutive time. The announcement is a matter-of-record notice of a private, unregistered offering that has fully sold.

• · Class A notes rated Aaa/AAA with average life of 0.71 years at price of 99.99500%
• · Class E notes (unrated by Moody's, BB by DBRS) carry the highest coupon at 8.56% with 4.05-year average life
• · Notes issued in five classes (A through E) with ratings ranging from Aaa/AAA down to NR/BB
• · Transaction was a private offering not registered under the Securities Act of 1933 or any state securities law

21-10-2026

Crown Castle reported Q3 2026 results with mixed performance: AFFO per share rose 11% YoY to $1.24 and AFFO increased 8% to $530 million, while site rental revenues fell 5% to $966 million, Adjusted EBITDA declined 6% to $673 million, and net income fell 12% to $283 million. The company raised its full year 2026 Adjusted EBITDA midpoint outlook by $25 million to $2,715 million and AFFO by $5 million to $1,980 million, though full year site rental revenues are still expected to decline about 4% versus 2025.

• · Organic Contribution to Site Rental Billings was $35M (3.5% growth) in Q3 2026 after a $61M DISH termination impact and $5M Sprint cancellation impact
• · Q3 site rental revenue decline included a $3M decrease in amortization of prepaid rent and a $14M decrease in straight-lined revenues
• · Q3 capital expenditures rose 57% to $66M, driven by a $24M increase in land capex
• · Full year 2026 discretionary capex outlook raised by $40M to $190M-$290M due to ground lease buyouts
• · Balance sheet: 97% fixed-rate debt, weighted average maturity about 7 years
• · Dividend held flat at $1.0625 per share in the quarter

21-10-2026

CSX Corp. reported third quarter 2026 record quarterly revenue of $4.02 billion, up 12% year-over-year, driven by higher fuel surcharge revenue plus higher volume and pricing across merchandise, intermodal, and coal. Operating income rose 44% to $1.57 billion and diluted EPS increased to $0.57 from $0.37 (up 54%); against adjusted prior-year results, operating income grew 25%, net earnings 29%, and EPS 30%. Total volume rose 5% to 1.69 million units, though the release does not disclose a segment-level decline.

• · Q3 2025 reported EPS of $0.37 included a $164M non-cash goodwill impairment; against adjusted EPS of $0.44, growth was 30%, not 54%.
• · Management targets best-in-class performance in 2027 and described positioning as strong entering Q4.
• · Earnings call held October 21, 2026 at 4:30 p.m. ET with webcast and presentation on investors.csx.com.

21-10-2026

On October 21, 2026, DeFi Development Corp. (Nasdaq: DFDV) disclosed that directors Adam Townsend and Thomas Perfumo resigned from the Board of Directors effective immediately. The company stated the resignations were not the result of any disagreement relating to its operations, policies, or practices, and it thanked both directors for their service.

• · Filing items: 5.02 (Departure of Directors or Certain Officers) and 9.01 (Financial Statements and Exhibits; Exhibit 104 cover page XBRL only)
• · Securities listed on Nasdaq include Common Stock (DFDV), Warrants (DFDVW), and Variable Rate Series C Perpetual Preferred Stock (CHAD)
• · Company is an emerging growth company

21-10-2026

Eagle Bancorp reported Q3 2026 net income of $24.2 million ($0.79 per share), up from $6.9 million ($0.23 per share) in Q2, driven by an $18.6 million lower provision for credit losses. However, pre-provision net revenue declined to $23.8 million from $29.1 million, non-performing assets rose $52.9 million to $166.0 million (1.75% of total assets), and total deposits fell 1.8% quarter-over-quarter to $8.0 billion. The company also declared a $0.01 per share cash dividend payable November 17, 2026.

• · Single loan migration accounted for 76.0% of Q3 non-performing loan inflows of $73.7M
• · Performing office coverage fell to 4.86% from 7.22%, reflecting a smaller CRE office portfolio
• · Q3 net income included non-recurring items: $1.5M accelerated stock awards and $1.3M annual incentives, plus a $3.3M income tax benefit from a state tax refund
• · Brokered deposits fell $348.0M quarter-over-quarter, and reduced brokered usage drove the NIM improvement
• · Loans 30-89 days past due fell to $357.0K from $44.1M in the prior quarter
• · No OREO properties on the books at September 30, 2026
• · Shareholders' equity rose 0.7% and book value per share reached $38.00

21-10-2026

EastGroup Properties reported Q3 2026 diluted EPS of $1.46 versus $1.26 a year earlier, and FFO excluding gains of $2.45 per diluted share, up 7.9% year over year. Same-property NOI excluding lease termination income rose 5.3% on a straight-line basis and 7.1% on a cash basis, with occupancy of 96.5% at quarter-end. Growth was not uniform: average month-end occupancy of 96.1% was modestly above the 95.7% of Q3 2025, but the dividend increase of 12.9% and capital deployment (about $164 million of acquisitions in the quarter and $262 million subsequent to quarter-end) were paired with a higher interest expense of $9.6 million versus $7.7 million and rising depreciation and amortization.

• · Nine-month EPS of $4.63 vs $3.60 in 2025, with $30.07M of gains on real estate sales in 2026 (no sales in 2025)
• · Same PNOI excluding lease terminations grew more slowly on a straight-line basis (6.3% nine-month) than on a cash basis (8.2%), indicating straight-line rent adjustments were a smaller contributor
• · Q3 average occupancy gain was only 0.4 points (96.1% vs 95.7%), a modest improvement
• · Interest expense growth of 25% outpaced PNOI growth of 10.1%, reflecting higher borrowing costs
• · Dividend increased to $1.75 per share, up 12.9%
• · Development starts guidance raised to $390M and acquisition guidance raised to $360M
• · $486M of forward equity sale agreements at a weighted average forward price of $202.06 per share

21-10-2026

Enterprise Financial Services Corp reported Q3 2026 net income of $42.4 million, or $1.14 per diluted share, down from $1.19 in the prior-year quarter but up from $1.09 in the linked quarter. Net interest income rose to $174.6 million and loans and deposits grew sequentially, while the prior-year comparison is distorted by $32.1 million of one-time tax-credit recapture insurance proceeds, and provisions for credit losses, nonperforming assets, and tangible book value per share all moved unfavorably.

• · Net income declined $2.8M year-over-year, largely because prior-year results included $32.1M in non-recurring insurance proceeds; excluding those, noninterest income fell only $3.3M
• · Adjusted diluted EPS was $1.17 vs. $1.13 linked quarter and $1.20 prior-year quarter, a modest year-over-year decline
• · Noninterest expense rose $4.9M year-over-year, driven by OREO/loan workout legal costs and higher employee compensation
• · Provision for credit losses more than doubled year-over-year to $18.1M from $8.4M, indicating rising credit cost pressure
• · Net unrealized losses on securities widened to $367.3M from $139.2M sequentially, pressuring tangible capital ratios
• · Common equity tier 1 ratio for the Company was 11.1% and the bank subsidiary's was 11.8%, both remaining well-capitalized
• · Dividend on Series A Preferred Stock declared at $12.50 per share (5% annual rate) payable December 15, 2026

21-10-2026

Element Solutions reported record Q3 2026 results with net sales of $995.3 million, up 52% on a reported basis and 13% organically, and reported net income of $65.7 million versus $39.3 million a year earlier. Adjusted EBITDA rose to $191 million (29% constant-currency growth), and the company raised its full-year 2026 adjusted EBITDA guidance to approximately $720 million. Performance was mixed by segment: Electronics grew strongly (net sales +68%, organic +18%), while Specialties net sales rose 13% but organic sales grew only 1% and segment adjusted EBITDA declined 6%. Q3 operating cash flow of $159.2 million was offset by a sharp rise in debt and a cash balance that fell from $626.5 million at year-end 2025 to $224.9 million, largely due to acquisitions.

• · Specialties organic net sales grew only 1%, and segment adjusted EBITDA declined 6% even as reported sales rose 13% on acquisitions.
• · Cash and cash equivalents fell about 64% year-to-date to $224.9M, while debt rose to roughly $2.08B, reflecting roughly $866M of nine-month acquisition spending.
• · Q3 2026 operating cash flow of $159.2M was partly offset by $30.4M capex and $37.7M of share repurchases.
• · Q3 2026 GAAP diluted EPS was $0.27 versus $0.16, and adjusted EPS was $0.50 versus $0.41.
• · The $720M FY2026 adjusted EBITDA guidance includes full-year contributions from the Micromax and EFC acquisitions and assumes stable exchange rates and metal prices.
• · The Solstice merger agreement signed July 6, 2026 was terminated August 27, 2026 under a mutual release.

21-10-2026

EverQuote, Inc. (Nasdaq: EVER) announced that its Board of Directors approved a share repurchase program authorizing the purchase of up to $50.0 million of its Class A common stock from time to time. The company's CFO, Joseph Sanborn, cited strong free cash flow and confidence in growth as the basis for the program. Execution timing and amount are uncertain and depend on market conditions, and the program may be suspended or discontinued at any time without obligation to repurchase any specific amount.

• · Repurchases may be executed via open market purchases, privately negotiated transactions, or Rule 10b5-1 plans
• · Forward-looking statement caveats cite the company's credit facility restrictions and liquidity/capital needs as potential constraints on repurchases
• · Company describes itself as an AI-powered growth solutions partner for regulated property and casualty insurance entities

21-10-2026

Evercore (NYSE: EVR) announced that its Board appointed Nigel Dawn and Naveen Nataraj as Co-Presidents effective January 1, 2027, reporting to Chairman and CEO John S. Weinberg, who has agreed to serve at least three more years. Daniel Mendelow becomes sole Head of U.S. Investment Banking, Jason Sobol becomes Chairman of U.S. Investment Banking, and Dawn becomes Chairman of Private Capital Advisory. The filing contains no financial results or quantitative performance metrics, so no period-over-period comparisons are reported.

• · Co-President appointments take effect January 1, 2027
• · Weinberg's commitment to serve as Chairman and CEO for at least the next three years
• · Mendelow assumes responsibility for Evercore's largest business, U.S. Investment Banking
• · Nataraj will continue advising clients and remain engaged in Investment Banking
• · Altman states the firm needs additional management resources to support Weinberg

21-10-2026

First Bancorp (FBNC) reported third quarter 2026 net income of $51.3 million, or $1.24 diluted EPS, up from $50.5 million ($1.22) in the linked quarter and $20.4 million ($0.49) in the like quarter; adjusted diluted EPS was $1.01 in the like quarter, so the year-over-year comparison is distorted by a $27.9 million securities loss in Q3 2025. Net interest margin expanded to 3.75% and the efficiency ratio improved to 49.09%, but noninterest expenses rose $1.2 million quarter-over-quarter and $3.8 million year-over-year, noninterest income fell $0.9 million sequentially, and the provision for credit losses rose to $1.3 million from $1.2 million in the linked quarter, with net charge-offs of $2.1 million.

• · Noninterest-bearing checking accounts were 33% of total deposits at September 30, 2026
• · Loan-to-deposit ratio was 81.8% at September 30, 2026
• · Total risk-based capital ratio was 16.22%, up 0.16% sequentially but down 0.36% year-over-year
• · Non-owner occupied office loans were about 6.3% of total portfolio, with the largest loan at $33.0 million
• · Total cost of deposits was 1.35%, up 4 bps sequentially but down 11 bps year-over-year
• · Cash and cash equivalents fell 24.5% year-over-year and 17.9% sequentially
• · Unrealized losses on available-for-sale securities rose to $263.8 million from $204.5 million in Q2 2026 and $251.8 million a year earlier
• · Q3 2026 included a $124 thousand reversal of provision for unfunded commitments

21-10-2026

First Community Corporation (Nasdaq: FCCO) reported third quarter 2026 net income of $8.044 million, up 54.9% year-over-year but up only 5.9% linked quarter, with diluted EPS of $0.85 (up 26.9% YoY). Excluding after-tax merger expenses, net income rose 44.3% YoY but only 1.8% linked quarter, and adjusted diluted EPS grew 19.4% YoY and 2.4% linked quarter. Results include the Signature Bank of Georgia acquisition, closed January 8, 2026; the board declared a $0.17 per share quarterly dividend, the 99th consecutive quarter of cash dividends.

• · Net income excluding merger expenses grew only 1.8% linked quarter, and diluted EPS excluding merger expenses grew just 2.4% linked quarter, indicating sequential momentum slowed.
• · Total deposits declined about 1.0% linked quarter to $2.005B, and loan payoffs/paydowns fell 16.9% vs. Q2, a mixed funding picture.
• · Mortgage production fell 11.0% YoY to $45.9M, with fixed-rate loans sold down about 28% YoY, and mortgage fee revenue declined.
• · Government Guaranteed Lending fee revenue fell 24.1% linked quarter to $534K.
• · Substandard loans rose to $5.9M from $1.3M at December 31, 2025, and past due loans ticked up to 0.27% from 0.26%.
• · No shares were repurchased in Q3 2026 despite the $7.5M authorization.
• · Accumulated Other Comprehensive Loss widened to $22.9M from $18.2M in Q2 due to rising market interest rates.
• · Q3 non-interest income includes $797K of non-recurring SBA settlement gain, so underlying fee growth is lower than reported.
• · Cost of deposits and cost of funds were flat at 1.76% and 1.82%, and the loan yield rose modestly to 6.08%.

21-10-2026

First Merchants Corporation reported Q3 2026 net income available to common stockholders of $67.8 million, or $1.09 per diluted share, up from $56.3 million ($0.98) a year earlier but down from $43.5 million ($0.70) in Q2 2026 on a sequential basis. Net interest margin rose to 3.44% (+6 bps QoQ, +20 bps YoY), while total assets reached $21.1 billion and loans $15.6 billion. Results were mixed: nine-month GAAP EPS fell to $2.24 from $2.90, investment securities declined 7.6% over twelve months, nonperforming assets edged up to 0.57%, and the company announced CEO Mark Hardwick will retire at year-end 2026, with President Mike Stewart succeeding him.

• · Q3 2026 net income of $67.8M rose 20.4% YoY but fell 55.8% sequentially from Q2 2026's $43.5M figure; the sequential comparison is inconsistent with the stated Q2 level and should be verified against the filing
• · Nine-month GAAP diluted EPS declined 22.8% YoY to $2.24 from $2.90, driven by the $29.8M Q1 mortgage loan valuation adjustment and $21.7M in acquisition expenses
• · Nine-month adjusted diluted EPS was essentially flat at $2.87 vs. $2.91 a year earlier (-1.4%)
• · Net charge-offs of $29.4M were tied to two non-performing credits; ACL declined $26.1M QoQ to 1.38% of loans
• · Investment securities fell $167.6M QoQ due to paydowns, maturities, and rate-driven valuation declines
• · Noninterest expense rose $19.7M YoY, including a $0.5M building lease impairment charge and a $1.4M marketing increase QoQ
• · Retirement of CEO Mark Hardwick at year-end 2026 after 29 years with the company
• · Earnings call scheduled for 9:00 a.m. ET on October 22, 2026

21-10-2026

FMC Corporation entered into Amendment, Consent and Waiver No. 8 (dated October 15, 2026) to its Fifth Amended and Restated Credit Agreement with Citibank, N.A. as Administrative Agent, in connection with a planned reorganization of FMC India Private Limited and its subsequent sale to a third-party acquiror for cash. The amendment waives two missed guarantor-joinder deadlines (New US LLC and New Dutch BV), approves releases of liens and guarantees tied to the India transaction, and adds a covenant requiring application of FMC India disposition proceeds to debt repayment and/or general corporate purposes. The sale is not yet consummated, and the lender releases are conditioned on closing by December 31, 2026, with a delivery of officer certificates and solvency representations.

• · Amendment No. 8 is dated October 15, 2026 and the 8-K was filed October 21, 2026; the reorganization subsidiaries were caused to become Subsidiary Guarantors on October 6, 2026.
• · Specified Releases include FMC India Equity, Contributed Cash, Cancelled Receivables, Swiss-law intercompany claims, and the guarantor release of New Dutch BV and New US LLC.
• · Release certificates must certify solvency, no Default, bona fide arm's-length sale to an unaffiliated third party, and that releases do not constitute all or substantially all collateral value.
• · If the FMC India Disposition is not consummated by December 31, 2026 (extendable by the Administrative Agent), the FMC India Equity Release terminates and liens re-attach automatically.
• · The waiver covers Defaults arising solely from the missed joinder deadlines and from failure to deliver related default notices under Section 6.02(b).

21-10-2026

Franklin Covey Co. (NYSE: FC) announced on October 21, 2026 that it will hold a conference call on Wednesday, November 4, 2026, at 5:00 p.m. ET (3:00 p.m. MT) to review its fourth quarter and fiscal year 2026 financial results, which are expected to be released after market close that day. The filing is a logistical notice; it contains no financial results, guidance, or performance figures.

• · Conference call date: Wednesday, November 4, 2026, 5:00 p.m. ET (3:00 p.m. MT)
• · Replay of the webcast will be archived on the Company's website for at least 30 days
• · Filing includes Exhibit 104 (cover page Interactive Data File, inline XBRL)

21-10-2026

Frequency Electronics (Nasdaq: FEIM) announced that Allen Kaplan, formerly Vice President of Finance and Business Operations at Leidos Defense Sector, will succeed Steven L. Bernstein as Chief Financial Officer effective November 1, 2026, when Bernstein retires after 16 years with the Company. The company also reaffirmed its three-year fiscal 2029 targets of minimum revenue of $150 million, minimum gross margin of 50%, and minimum operating margin of 30%, all by the fiscal year ending April 30, 2029. The release contains no reported financial results for the current or prior periods, so no period-over-period comparison is available.

• · Kaplan previously held roles at Lockheed Martin from 2005 to 2016 and at Leidos from 2016, including Business Operations Director from 2022
• · Kaplan holds a Bachelor's degree in Supply Chain Management from Penn State and an MBA from Villanova
• · Reaffirmed targets are described as previously provided three-year targets; the release does not report current fiscal year results against them

21-10-2026

First American Financial reported Q3 2026 net income of $177 million, or $1.72 per diluted share, versus $190 million, or $1.84, a year earlier; adjusted EPS rose to $1.78 from $1.70. Total revenue grew 5% to $2.1 billion, led by 21% growth in commercial revenues to $297 million and 11% growth in investment income, while Title pretax margin compressed to 12.4% from 12.9% and Home Warranty pretax income fell 30% amid higher marketing spend. Management flagged a lower-for-longer residential origination market after the recent rise in mortgage rates, and the company raised its dividend 11%.

• · Net investment losses of $2M (1 cent per diluted share) versus net gains of $26M (20 cents) in Q3 2025
• · Purchase-related intangible amortization of $7M (5 cents per diluted share), unchanged YoY
• · Title provision for policy losses of $45M (3.0% of premiums), unchanged YoY; included a $11M net reserve decrease for prior policy years; ultimate loss rate 3.75% for the current policy year
• · Other operating expenses rose 11% to $306M on higher software and production expense; personnel costs rose 6% to $574M
• · Interest expense rose 27% to $31M on higher deposit balances at the bank subsidiary
• · Average revenue per direct title order rose to $4,304, driven by a 13% increase in average revenue per closed order offset by a 5% decline in closed orders
• · Home Warranty claims loss rate was 47%, virtually unchanged YoY
• · Corporate segment pretax loss widened to $28M from $5M a year earlier
• · Management expects a lower-for-longer residential origination market following recent mortgage rate increases
• · Q4 2026 buybacks through Oct 21 totaled $9M, substantially above the $1M repurchased in Q3

21-10-2026

The First Bancorp (FNLC) reported unaudited Q3 2026 net income of $10.7 million and diluted EPS of $0.95, up 17.5% and 16.8% YoY, both new quarterly highs, driven by net interest margin expansion to 2.99% and a 12.2% rise in net interest income. Results were mixed: non-performing loans rose versus the prior year (0.58% vs. 0.40%), ACL coverage declined to 0.98% from 1.05%, tangible book value per share fell 2.0% from the prior quarter to $22.81 (up 4.9% YoY), and non-interest expense grew 6.2% YoY.

• · Net interest margin has improved for nine consecutive quarters, reaching 2.99%, and management attributes the expansion to lower funding costs with stable earning asset yields.
• · Non-performing loans to total loans improved to 0.58% from 0.71% QoQ, and loans past due 30+ days fell to 0.67% from 0.93% QoQ.
• · Q3 2026 provision for credit losses was $845K against $1.6M of net charge-offs; year-to-date net charge-offs annualize to 0.22% of total loans.
• · Time deposits were reduced by $32.8M and borrowings (principally short-term FHLB advances) by $69.2M in the quarter, as non-maturity deposit growth of $139.7M funded the paydown.
• · Uninsured deposits were an estimated 18.4% of total deposits, with 74% fully collateralized and day-one liquidity covering 149% of estimated uninsured deposits.
• · Q3 2026 non-interest expense rose 1.3% QoQ, driven by seasonal hiring (+$234K salaries and benefits) and furniture and equipment (+$104K), partly offset by a $174K decline in other operating expenses.
• · Nine-month 2026 net income rose 20.7% YoY to $29.2M, with nine-month net interest income up 14.4%.
• · The Board declared a $0.38 quarterly dividend on September 24, 2026, paid October 16, 2026; the dividend payout ratio for the quarter was 39.62%.

21-10-2026

Global Interactive Technologies, Inc. (GITS) appointed director Amy Shi as Executive Chair of the Board effective October 15, 2026, under an Executive Chair Service Agreement with a one-year initial term. Her cash compensation is $10,000 per month ($120,000 annually), with a reference equity award of $250,000 and a scheduled increase to $20,000 per month on the first anniversary, subject to a deferral of cash compensation until the Company's next financing.

• · Ms. Shi was elected a director in December 2024 and previously served as an independent consultant to the Company from October 2021 to April 2023
• · Cash compensation to be reviewed six months after the Effective Date
• · Ms. Shi agreed to defer specified cash compensation until the Company's next financing, with unpaid balances remaining owed
• · Initial equity award is fully vested upon lawful grant but is subject to shareholder/plan approvals and capacity; undelivered portions convert to a cash entitlement if not lawfully implemented by the deadline
• · Ms. Shi entered a separate Indemnification Agreement covering her service as director, Executive Chair, officer, and other roles

20-10-2026

Global Vision Holdings, Inc. disclosed that George England resigned as a director and as Chief Executive Officer effective October 16, 2026, stating the resignation was not due to any disagreement with the company. The Board appointed Jean Jacques Sunier, age 65, as CEO effective the same day; his compensation arrangements have not yet been determined and will be disclosed by amendment within four business days once finalized.

• · Sunier previously served as Executive Director at Julius Baer Group in Zurich (2016-2022) and CEO of Sunier Advisors, LLC
• · Sunier held Executive Sales at IG Group PLC, London (2015) and Executive Director at Landolt & Cie, Geneva (2013-2014)
• · No arrangements or understandings exist between Sunier and any other person for his selection, and no Item 404(a) related-party transactions were disclosed
• · No employment agreement, compensation plan, or equity award has been entered into or materially amended as of filing

21-10-2026

Hexcel reported Q3 2026 net sales of $496.4 million, up 8.8% YoY (9.2% constant currency), with GAAP diluted EPS of $0.50 versus $0.26 and adjusted operating margin expanding to 11.0% from 9.8%. Commercial Aerospace sales rose 20.5% to $330.3 million, while Defense, Space & Other declined 8.7% to $166.1 million, partly due to divestment and facility closure, and temporary softness in F-35 and launcher programs. Management reaffirmed 2026 guidance and raised the share repurchase authorization to $750 million, though no shares were repurchased in Q3 and the company is prioritizing debt repayment to return to its leverage target by year-end.

• · Adjusted operating margin for nine months rose to 12.8% from 10.3%, while FX was an approximately 70 basis point headwind YTD
• · Q3 FX was an approximately 30 basis point headwind to operating margin
• · Working capital was a $78.1M cash use YTD versus $63.8M in the prior-year period
• · Quarterly dividend of $0.18 per share payable November 9, 2026 to holders of record November 2, 2026
• · Conference call scheduled for October 22, 2026 at 9:30 a.m. ET
• · Management expects to return to targeted leverage range by end of 2026 after prioritizing debt repayment following last year's accelerated share repurchase

21-10-2026

Horizon Bancorp reported Q3 2026 net income of $28.7 million ($0.56 diluted EPS), up from $24.9 million ($0.49) in Q2 2026 but a sharp reversal from a net loss of $222.0 million ($(4.69)) in Q3 2025, which was driven by a $299.1 million securities loss. Net interest income rose 11.6% YoY to $65.2 million and net interest margin held at 4.37%, while non-performing assets and the tangible common equity ratio both edged down, and the tangible common equity ratio fell from 8.81% to 8.38% QoQ. Performance is mixed: profitability and margin improved, but the efficiency ratio deteriorated versus Q2 (53.85% vs 58.07%, an improvement actually) and credit provisions and non-performing assets rose modestly.

• · Q3 2025 net loss was driven by a $299.1M loss on sale of investment securities and a $12.7M prepayment penalty, not routine operations
• · Q2 2026 included a $3.1M legal charge in other expense that did not recur in Q3
• · Q3 2026 effective tax rate was 16.4%, aided by a $0.9M discrete benefit
• · Total non-interest expense declined QoQ due to non-recurrence of the Q2 legal charge, FDIC expense fell $0.3M, and data processing fell $0.3M, partially offset by a $0.7M rise in professional fees
• · Loans HFI grew 3.7% annualized QoQ; total loans to deposits ratio was 91.39%
• · Earnings call scheduled for October 22, 2026 at 8:30 a.m. ET; replay available through November 22, 2026

21-10-2026

IBM reported third-quarter 2026 revenue of $17.1B, up 5% (6% at constant currency), led by Software (+8%) and Infrastructure (+4%), while Consulting was flat (+2% at constant currency). GAAP gross margin fell 50 bps to 56.8% and GAAP pre-tax margin fell 30 bps to 14.6%, though operating (non-GAAP) pre-tax margin rose 70 bps to 19.3%. Management raised its full-year free cash flow outlook to an increase of more than $1B year-over-year while maintaining 4-5% constant currency revenue growth guidance, and declared a regular quarterly dividend of $1.69 per share.

• · IBM Z revenue declined 20% YoY (19% at constant currency), a significant drag within the Infrastructure segment
• · Automation software revenue declined 3% YoY
• · Financing segment revenue declined 4% YoY, with Financing gross margin falling from 45.6% to 40.7%
• · Consulting gross margin compressed from 29.3% to 27.4% YoY
• · Q3 2026 GAAP effective tax rate was 11.9% versus 28.2% in Q3 2025, a major driver of the 26% GAAP net income increase
• · Cash, restricted cash and marketable securities fell $3.4B from year-end 2025 following $11.4B in 2026 acquisitions
• · Total debt rose $2.6B year-to-date to $63.8B
• · Q3 2026 Consulting revenue was flat (0.2% growth) in reported currency
• · Dividend record date is November 10, 2026, with payment on December 10, 2026; IBM has paid consecutive quarterly dividends since 1916