S&P 500 Financials Sector SEC Filings — July 14, 2026

USA S&P 500 Financials

By Gunpowder Editorial ·

24 high priority 8 medium priority 32 total filings analysed

Executive Summary

The S&P 500 Financials sector is experiencing a powerful earnings expansion, with the largest U.S. banks reporting double-digit revenue and profit growth in Q2 2026, driven by surging investment banking fees and robust markets activity.

However, this growth is uneven: while Goldman Sachs and JPMorgan posted exceptional results, Wells Fargo's net interest margin contracted sharply, and Citigroup's net credit losses increased. A significant sector-wide theme is the aggressive push into digital assets, highlighted by Morgan Stanley's dual Ethereum and Solana trust filings, signaling institutional adoption is accelerating. Insider activity is overwhelmingly neutral, dominated by routine equity awards at Progressive, but a notable negative signal comes from Robinhood Markets selling shares in its Ventures Fund. The key risk to monitor is margin compression in traditional lending businesses, even as trading and advisory revenues boom, creating a bifurcated environment where capital markets-focused firms outperform retail banks.

Materiality, sentiment, and priority are scored by Gunpowder’s analysis pipeline. How we score filings →

Filing types in this digest: 8-K · Form 4 · S-1

Tracking the trend? Catch up on the prior S&P 500 Financials Sector SEC Filings digest from July 13, 2026.

Investment Signals (9)

  • Net revenues surged 39% YoY to $20.34B, with EPS more than doubling to $20.98, driven by a 53% jump in Global Banking & Markets. Equity underwriting fees soared 130% YoY to $985M, and the dividend was increased 11% to $5.00

  • Reported record revenue of $58.0B (+27% YoY) and net income of $21.2B (+41% YoY), with CIB Markets revenue up 35% and IB fees up 30%. However, excluding one-time gains, core net income was $16.9B, and CCB net income grew only 3% YoY

  • All four business segments delivered double-digit net income growth, with Global Markets net income at $2.6B and sales & trading revenue up 33% YoY. The efficiency ratio improved 359 bps to 59%, and operating leverage was a strong 6.6%

  • Citigroup (BULLISH)

    Net income rose 45% YoY to $5.8B, with Services delivering a record quarterly revenue of $6.4B (+18% YoY) and a 30.9% RoTCE. Equity markets revenue surged 45% YoY to $2.3B, but net credit losses increased 8% YoY to $2.4B

  • Net income grew 17% YoY to $6.4B on 9% revenue growth, with Corporate and Investment Banking up 16%. However, Home Lending revenue declined 7% YoY, and net interest margin contracted from 2.68% to 2.43%, signaling pressure on core lending profitability

  • Filed for two new crypto ETFs (Ethereum and Solana trusts) to list on NYSE Arca, including staking mechanisms. This represents a major institutional endorsement of digital assets and could unlock significant fee income from staking and custody services

  • 10% owner Robinhood Markets sold 14,040 shares at ~$30.03 under a 10b5-1 plan, totaling ~$422K. While a pre-planned sale, the timing alongside strong bank earnings may indicate a desire to lock in gains

  • Allstate (BULLISH)

    Appointed Chris Lown as new CFO (effective Aug 3), bringing 25+ years of experience from CoStar, Freddie Mac, and Morgan Stanley. The hire signals a focus on financial discipline and potential capital optimization at the insurer

  • Issued routine restricted stock units to 14 executives and directors, including CEO Susan Griffith (13.158 units) and the President (6.687 units). These are standard compensation awards with no market signal, but the broad-based issuance indicates management retention is stable

Risk Flags (7)

  • Net interest margin contracted from 2.68% to 2.43% YoY, a 25 bps decline. The CET1 ratio also fell to 10.3% from 11.1%, reducing the bank's capital buffer. If NIM continues to compress, it could pressure future earnings

  • Excluding significant items (Visa shares gain and equity investment gains), net income was $16.9B vs reported $21.2B—a 20% gap. Corporate net income excluding items declined due to lower NII and absence of a $774M prior-year tax benefit

  • Platform Solutions net revenues plunged 64% YoY to $221M due to Apple Card loan portfolio markdowns. This segment remains a drag on otherwise stellar results and could face further impairment

  • Net credit losses increased 8% YoY to $2.4B, and the effective tax rate rose to 25% from 23%. Operating expenses also rose 5% to $14.2B, suggesting cost control challenges

  • The number of financial centers decreased to 3,530 from 3,664 a year ago, a decline of 134 branches (-3.7%). This could signal reduced physical footprint and potential loss of deposit relationships

  • While under a 10b5-1 plan, the sale of shares at $30.03 by a 10% owner is a negative signal, especially given the volatile nature of the fintech/crypto space. Continued selling could pressure the stock

  • Wells Fargo Commercial Mortgage Trusts/Servicing Changes [LOW RISK]

    Two CMBS trusts (2018-C47 and 2018-C48) reported the Christiana Mall loan (3.4-5.3% of pool) being transferred to a new special servicer. While routine, special servicing transfers often indicate loan stress in commercial real estate

Opportunities (7)

  • With equity underwriting fees up 130% YoY and debt underwriting up 75%, GS is capturing outsized market share. The 11% dividend increase signals confidence in sustained capital markets activity. Trading at a discount to tangible book, it remains a prime beneficiary of the M&A cycle

  • The Ethereum and Solana trust filings, including staking, position MS as a pioneer in regulated crypto exposure. Staking generates yield for shareholders, creating a unique value proposition vs. competitors. If approved, these could attract significant AUM from institutional investors

  • Services delivered record quarterly revenue of $6.4B (+18% YoY) with a 30.9% RoTCE, the highest among reported segments. This fee-based, capital-light business is a key driver of future profitability and could support a valuation re-rating

  • With an efficiency ratio improvement of 359 bps to 59% and operating leverage of 6.6%, BAC is demonstrating strong cost discipline. If revenue growth continues, earnings could accelerate faster than peers

  • The appointment of Chris Lown, a seasoned financial executive from Morgan Stanley and Freddie Mac, could signal a strategic shift toward more aggressive capital management, including potential buybacks or portfolio optimization. The effective date of Aug 3 is a near-term catalyst

  • Net charge-offs decreased 20% QoQ and 11% YoY to $883M, while nonperforming assets fell $824M QoQ. The allowance for credit losses dropped to 1.40% of total loans from 1.58% a year ago, suggesting improving asset quality that could support higher earnings

  • Record revenue across all lines of business, with CIB Markets up 35% and IB fees up 30%, shows JPM's diversified model is working. The 41% EPS growth, even adjusted for one-time items, demonstrates earnings power

Sector Themes (5)

  • Investment Banking Boom

    All major banks reported double-digit IB fee growth: Goldman (equity underwriting +130%, debt underwriting +75%), Bank of America (IB fees +50%), JPMorgan (+30%), and Citigroup (+34%). This suggests a broad-based M&A and capital markets recovery is underway, benefiting the entire sector

  • Net Interest Margin Divergence

    While JPMorgan's NII excluding Markets grew only 4%, Wells Fargo's NIM contracted 25 bps to 2.43%. This divergence highlights that banks with large deposit franchises are facing funding cost pressure, while those with capital markets exposure are less impacted

  • Digital Asset Institutionalization

    Morgan Stanley's dual crypto trust filings (Ethereum and Solana) represent a significant step toward mainstream adoption. Combined with Robinhood's ongoing crypto-related activities, the sector is clearly positioning for a regulated digital asset ecosystem

  • Credit Quality Remains Benign

    Despite higher net credit losses at Citigroup (+8% YoY), overall credit quality is strong. Wells Fargo saw charge-offs decline 11% YoY, and Bank of America's provision decreased. This suggests the consumer and corporate credit cycle remains healthy, supporting bank earnings

  • Capital Return Acceleration

    Goldman Sachs increased its dividend 11% to $5.00, signaling confidence. With strong earnings, banks have ample capacity for buybacks and dividends, which could be a key driver of total shareholder returns in the coming quarters

Watch List (8)

  • Chris Lown becomes CFO on August 3, 2026. Watch for any strategic announcements regarding capital allocation, buybacks, or portfolio restructuring in the following weeks

  • Morgan Stanley Crypto Trusts/SEC Approval
    👁

    The S-1/A filings for Ethereum and Solana trusts are pending SEC effectiveness. Approval would be a major catalyst for MS and the broader crypto ecosystem. No specific date given, but watch for SEC comments

  • With NIM contracting to 2.43%, the Q3 2026 earnings call will be critical to see if the trend stabilizes. Any further compression could trigger downgrades

  • The 64% revenue decline in Platform Solutions needs monitoring. If Apple Card losses continue, GS may need to take further write-downs, offsetting gains in IB

  • With net credit losses up 8% YoY, watch for any acceleration in Q3. If losses continue to rise, it could signal a broader credit cycle turn

  • Robinhood Markets/Insider Selling
    👁

    The 10b5-1 plan sale by Robinhood Markets in its Ventures Fund should be monitored for additional filings. Continued selling could indicate lack of confidence in the fund's prospects

  • The 134-branch reduction (-3.7% YoY) should be tracked. If the pace accelerates, it could impact deposit growth and customer acquisition costs

  • Wells Fargo CMBS Trusts/Christiana Mall Loan
    👁

    The special servicing transfer for the Christiana Mall loan (3.4-5.3% of pool) should be monitored for any workout or loss emergence, which could signal broader CRE stress

Filing Analyses (32)
WELLS FARGO & COMPANY/MN 8-K positive materiality 9/10

14-07-2026

Wells Fargo reported Q2 2026 net income of $6.4B ($2.00 per diluted share), up 17% from $5.5B ($1.60) a year ago, driven by 9% revenue growth to $22.6B. All operating segments showed strong revenue growth, with Corporate and Investment Banking up 16% and Consumer Banking and Lending up 6%. However, Home Lending revenue declined 7% YoY, and net interest margin contracted from 2.68% to 2.43%. Credit quality remained strong with net charge-offs down 11% YoY, and the CET1 ratio fell to 10.3% from 11.1% a year ago.

  • · Net charge-offs decreased 20% QoQ and 11% YoY to $883M.
  • · Nonperforming assets fell $824M QoQ to $7.9B, representing 0.77% of total loans (down from 0.86% in Q1 2026).
  • · Allowance for credit losses for loans was $14.4B, or 1.40% of total loans (down from 1.58% a year ago).
  • · The efficiency ratio improved to 60% from 64% a year ago.
  • · Headcount was reduced by 7% YoY.
  • · The company expects to increase its Q3 2026 common stock dividend by 11% to $0.50 per share, subject to Board approval.
  • · The stress capital buffer (SCB) remains at 2.5% following the 2026 CCAR stress test.
  • · Consumer Banking and Lending revenue grew 6% YoY, but Home Lending declined 7% and Personal Lending declined 2%.
  • · Commercial Banking noninterest income increased 13% YoY, but net interest income grew only 3%.
  • · Corporate and Investment Banking Markets revenue surged 24% YoY, with Equities up 64% and FICC up 10%.
  • · Wealth and Investment Management client assets grew 15% YoY to over $2.4 trillion.
  • · The provision for credit losses increased significantly YoY from $1.0B to $1.9B, though this was partly due to a $1.1B provision in Q2 2025 that included a $253M gain from a merchant services joint venture acquisition.
JPMORGAN CHASE & CO 8-K mixed materiality 9/10

14-07-2026

JPMorgan Chase reported strong Q2 2026 results with net income of $21.2 billion ($7.70 EPS), up 41% YoY, and managed revenue of $58.0 billion, up 27% YoY. Excluding significant items (Visa shares gain and equity investment gains), net income was $16.9 billion ($6.14 EPS). Performance was driven by record revenue across all lines of business, particularly in CIB Markets revenue (+35%) and Investment Banking fees (+30%). However, net interest income excluding Markets grew only 4%, and Corporate net income excluding significant items declined due to lower net interest income and the absence of a prior-year tax benefit.

  • · CCB net income grew only 3% YoY, with Card Services & Auto revenue flat QoQ.
  • · Corporate net income excluding significant items declined due to lower net interest income and absence of a $774M prior-year tax benefit.
  • · Net charge-offs were $2.4B, down $44M YoY, but the net reserve build was $149M (primarily in Wholesale).
  • · Card Services net charge-off rate was 3.34%.
  • · CET1 capital ratio (Standardized) was 14.1%, (Advanced) 14.2%.
  • · Firm supplementary leverage ratio was 5.5%.
  • · Net payout LTM was 73%.
  • · Approximately $1.9 trillion of credit and capital raised YTD, including $160B for consumers and $17B for U.S. small businesses.
  • · Active mobile customers up 6% YoY.
  • · Debit and credit card sales volume up 10% YoY.
BANK OF AMERICA CORP /DE/ 8-K positive materiality 9/10

14-07-2026

Bank of America reported strong Q2 2026 results with net income of $9.1 billion (EPS $1.21, up 34% YoY) and revenue of $31.6 billion (up 15% YoY). All four business segments delivered double-digit net income growth, led by Global Markets (net income $2.6B, sales & trading revenue up 33% YoY) and Global Banking (net income $2.0B, IB fees up 50% YoY). However, the provision for credit losses decreased to $1.4 billion from $1.6 billion a year ago, and net charge-offs also declined to $1.4 billion, reflecting solid asset quality. The efficiency ratio improved 359 bps to 59%, and operating leverage was 6.6%.

  • · Consumer Banking risk-adjusted margin declined to 6.5% from 7.1% a year ago.
  • · Number of financial centers decreased to 3,530 from 3,664 a year ago, a decline of 134 branches.
  • · GWIM AUM flows in Q2 2026 were $13.7 billion, down from $14.3 billion in Q2 2025.
  • · Consumer Banking efficiency ratio remained flat at 51% year-over-year.
  • · Net reserve release of $23 million in Consumer Banking vs. net reserve build of $82 million in the year-ago quarter.
  • · Global Markets sales and trading revenue included net DVA losses of $57 million.
  • · CET1 ratio of 11.2% (Standardized), well above regulatory minimum.
  • · Book value per share rose 7% to $39.34; tangible book value per share rose 7% to $29.37.
  • · Average Global Liquidity Sources of $947 billion.
  • · Consumer Banking added 160K+ net new consumer checking accounts, completing 30 consecutive quarters of net growth.
  • · 92% of consumer checking accounts are estimated to be primary accounts.
  • · 80% of households actively using digital platforms.
  • · 70% of total sales were digitally-enabled.
  • · 87% of Merrill and Private Bank clients digitally active.
  • · Merrill added ~5.4K net new $500K+ households in Q2 2026.
  • · Private Bank added ~430 net new relationships with $3MM+ clients in Q2 2026.
GOLDMAN SACHS GROUP INC 8-K mixed materiality 9/10

14-07-2026

Goldman Sachs reported strong Q2 2026 results with net revenues of $20.34B (+39% YoY) and net earnings of $6.63B, driven by a 53% surge in Global Banking & Markets. EPS of $20.98 more than doubled from $10.91 in Q2 2025. However, Platform Solutions net revenues plunged 64% YoY to $221M due to Apple Card loan portfolio markdowns, and headcount decreased 2% QoQ.

  • · Quarterly dividend increased to $5.00 per common share from $4.50, payable September 29, 2026 to shareholders of record September 1, 2026.
  • · Equity underwriting fees surged 130% YoY to $985M; Debt underwriting fees rose 75% YoY to $1.03B.
  • · FICC intermediation revenues rose 39% YoY to $3.38B; Equities intermediation revenues jumped 60% YoY to $4.16B.
  • · Asset & Wealth Management management and other fees grew 20% YoY to $3.36B; incentive fees rose 9% YoY to $112M.
  • · Private banking and lending net revenues declined 13% YoY to $689M, reflecting lower net interest margin on Marcus deposits.
  • · Average global core liquid assets were $555B in Q2 2026, up from $494B in Q1 2026.
  • · Effective tax rate for H1 2026 was 18.5%, up from 13.2% in Q1 2026.
  • · Net provisions for litigation and regulatory proceedings were a benefit of $28M in Q2 2026 vs. a charge of $1M in Q2 2025.
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Strategy Officer WITALEC DANIEL J was awarded 2.6 Restricted Stock Unit.

  • · Chief Strategy Officer WITALEC DANIEL J was awarded 2.6 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 2/10

14-07-2026

Vice Pres, Secretary and CLO Stringer David M was awarded 3.982 Restricted Stock Unit.

  • · Vice Pres, Secretary and CLO Stringer David M was awarded 3.982 Restricted Stock Unit
  • · Vice Pres, Secretary and CLO Stringer David M was awarded 0.052 Deferred Comp Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director FARAH ROGER N was awarded 67.7387 Phantom Stock Unit (rest. Stock).

  • · Director FARAH ROGER N was awarded 67.7387 Phantom Stock Unit (rest. Stock)
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director DAVIS CHARLES A was awarded 2.1934 Phantom Stock Units.

  • · Director DAVIS CHARLES A was awarded 2.1934 Phantom Stock Units
  • · Director DAVIS CHARLES A was awarded 9.5378 Phantom Stock Unit (rest. Stock)
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director Snyder Barbara R was awarded 9.3955 Phantom Stock Unit (rest. Stock).

  • · Director Snyder Barbara R was awarded 9.3955 Phantom Stock Unit (rest. Stock)
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director FITT LAWTON W was awarded 63.5301 Phantom Stock Unit (rest. Stock).

  • · Director FITT LAWTON W was awarded 63.5301 Phantom Stock Unit (rest. Stock)
Wells Fargo Commercial Mortgage Trust 2018-C47 8-K neutral materiality 2/10

14-07-2026

Wells Fargo Commercial Mortgage Trust 2018-C47 filed an 8-K on July 14, 2026, reporting that the Christiana Mall Mortgage Loan (5.3% of the asset pool) will now be serviced by Green Loan Services LLC, replacing Trimont LLC as special servicer under the BBCMS 2018-CHRS TSA. This is a routine servicing change with no financial impact disclosed.

  • · The Christiana Mall Mortgage Loan is part of a loan combination serviced under the BBCMS 2018-CHRS TSA dated August 9, 2018.
  • · Green Loan Services LLC's principal office is at 1 Vanderbilt Avenue, New York, NY 10017; phone (212) 594-2700.
  • · The change is effective as of July 14, 2026.
Wells Fargo Commercial Mortgage Trust 2018-C48 8-K neutral materiality 2/10

14-07-2026

Wells Fargo Commercial Mortgage Trust 2018-C48 filed an 8-K on July 14, 2026, disclosing that the Christiana Mall Mortgage Loan (approximately 3.4% of the asset pool) is being transferred to a new special servicer. Trimont LLC was removed as special servicer and Green Loan Services LLC was appointed as successor special servicer, effective July 14, 2026. This is a routine servicing update with no financial impact reported.

  • · The Christiana Mall Mortgage Loan is part of a loan combination serviced under the BBCMS 2018-CHRS TSA dated August 9, 2018.
  • · Green Loan Services LLC is a Delaware limited liability company with principal office at 1 Vanderbilt Avenue, New York, New York 10017.
  • · The filing was made under Item 8.01 (Other Events) and does not involve any financial results or material changes to the trust's assets.
ALLSTATE CORP 8-K positive materiality 5/10

14-07-2026

Allstate Corporation announced the appointment of Christian (Chris) Lown as Executive Vice President and Chief Financial Officer, effective August 3, 2026. Lown brings over 25 years of senior leadership experience from CoStar Group, Freddie Mac, Navient Corporation, Morgan Stanley, and UBS. He will succeed Jess Merten, who was named President of Property-Liability in October 2025, and John Dugenske will continue as interim CFO until Lown joins.

  • · Lown's appointment is effective August 3, 2026.
  • · Lown earned an MBA from the University of Virginia Darden School of Business and a bachelor's degree in international relations from the University of Lynchburg.
  • · Allstate has more than 212 million policies in force.
Robinhood Ventures Fund I 4 negative materiality 3/10

14-07-2026

10% owner Robinhood Markets, Inc. sold 14,040 Common Shares of Beneficial Interest at $30.03 (~$422K). Robinhood Markets, Inc. holds 13,285,317 shares after the transaction. Trades executed under a Rule 10b5-1 plan.

  • · 10% owner Robinhood Markets, Inc. sold 7,069 Common Shares of Beneficial Interest at $30.88 (~$218K)
  • · 10% owner Robinhood Markets, Inc. sold 14,040 Common Shares of Beneficial Interest at $30.03 (~$422K)
CITIGROUP INC 8-K positive materiality 9/10

14-07-2026

Citigroup reported Q2 2026 net income of $5.8B ($3.15 per diluted share), up 45% YoY from $4.0B ($1.96 per share), on revenues of $24.8B (+14% YoY). Services delivered record quarterly revenue and a 30.9% RoTCE, while Markets revenue rose 17% and Banking climbed 34%. However, net credit losses increased 8% YoY to $2.4B, operating expenses rose 5% to $14.2B, and the effective tax rate increased to 25% from 23%.

  • · Services delivered its highest ever quarterly revenue of $6.4B, up 18% YoY, with a RoTCE of 30.9%.
  • · Markets revenue of $7.0B was up 17% YoY, but down 3% QoQ; Equity markets revenue surged 45% YoY to $2.3B.
  • · Banking revenues climbed 34% (mentioned in commentary, not in tables).
  • · Wealth revenues increased for the 9th straight quarter.
  • · Net credit losses increased 8% YoY to $2.4B, driven by Banking and Legacy Franchises.
  • · Operating expenses rose 5% YoY to $14.2B, driven by compensation, transaction costs, and deposit insurance.
  • · CET1 ratio declined to 12.8% from 13.5% a year ago; SLR declined to 5.2% from 5.5%.
  • · Reserve-to-funded loans ratio fell to 2.5% from 2.7% a year ago.
  • · Non-accrual loans decreased 4% YoY to $3.2B, but corporate non-accrual loans increased 1%.
  • · Effective tax rate rose to 25% from 23% a year ago.
  • · Citi sold a 22.6% equity stake in Banamex during the quarter.
  • · Payout ratio was 92%.
  • · Average loans grew 10% YoY to $785B; average deposits grew 12% YoY to $1.504T.
JPMORGAN CHASE & CO 8-K neutral materiality 5/10

14-07-2026

JPMorgan Chase & Co. filed an 8-K on July 14, 2026, disclosing an investor presentation for its 2026 second quarter earnings. The filing includes forward-looking statements and references risks detailed in its annual and quarterly reports.

  • · The filing is a Regulation FD disclosure (Item 7.01) and includes Exhibit 99, which contains the earnings presentation slides.
  • · The presentation covers 2Q26 financial results, but no specific financial figures are provided in the 8-K itself.
  • · The filing includes forward-looking statements subject to risks and uncertainties.
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Commercial Lines President Bailo Karen was awarded 6.275 Restricted Stock Unit.

  • · Commercial Lines President Bailo Karen was awarded 6.275 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 4/10

14-07-2026

Chief Information Officer Broz Steven was awarded 5.443 Restricted Stock Unit.

  • · Chief Information Officer Broz Steven was awarded 5.443 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Investment Officer Bauer Jonathan S. was awarded 5.27 Restricted Stock Unit.

  • · Chief Investment Officer Bauer Jonathan S. was awarded 5.27 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

CRM President DAY HEATHER E was awarded 1.803 Restricted Stock Unit.

  • · CRM President DAY HEATHER E was awarded 1.803 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Human Resources Officer Clawson William L. II was awarded 5.09 Restricted Stock Unit.

  • · Chief Human Resources Officer Clawson William L. II was awarded 5.09 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Personal Lines President Callahan Patrick K was awarded 6.687 Restricted Stock Unit.

  • · Personal Lines President Callahan Patrick K was awarded 6.687 Restricted Stock Unit
  • · Personal Lines President Callahan Patrick K was awarded 42.837 Deferred Comp Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Claims President Murphy John Jo was awarded 5.989 Restricted Stock Unit.

  • · Claims President Murphy John Jo was awarded 5.989 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Accounting Officer Joyce Carl G was awarded 0.98 Restricted Stock Unit.

  • · Chief Accounting Officer Joyce Carl G was awarded 0.98 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 4/10

14-07-2026

President and CEO Griffith Susan Patricia was awarded 13.158 Restricted Stock Unit.

  • · President and CEO Griffith Susan Patricia was awarded 13.158 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

VP and Chief Financial Officer Quigg Andrew J was awarded 5.292 Restricted Stock Unit.

  • · VP and Chief Financial Officer Quigg Andrew J was awarded 5.292 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Marketing Officer Pumarejo Maribel was awarded 3.382 Restricted Stock Unit.

  • · Chief Marketing Officer Pumarejo Maribel was awarded 3.382 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Chief Personal Lines Officer Niederst Lori A was awarded 5.549 Restricted Stock Unit.

  • · Chief Personal Lines Officer Niederst Lori A was awarded 5.549 Restricted Stock Unit
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director Craig Pamela J. was awarded 3.0695 Phantom Stock Unit (rest. Stock).

  • · Director Craig Pamela J. was awarded 3.0695 Phantom Stock Unit (rest. Stock)
PROGRESSIVE CORP/OH/ 4 neutral materiality 3/10

14-07-2026

Director Bleser Philip was awarded 10.8874 Phantom Stock Unit (rest. Stock).

  • · Director Bleser Philip was awarded 10.8874 Phantom Stock Unit (rest. Stock)
Morgan Stanley Ethereum Trust S-1/A neutral materiality 7/10

14-07-2026

Morgan Stanley Ethereum Trust filed Amendment No. 3 to its S-1 registration statement with the SEC on July 14, 2026, for an IPO of common shares to be listed on NYSE Arca. The Trust is an exchange-traded fund that seeks to track the performance of ether (ETH) via the CoinDesk Ether Benchmark 4PM NY Settlement Rate and will also engage in staking a portion of its ether holdings through third-party staking services providers. Key service providers include Morgan Stanley Investment Management (Delegated Sponsor), BNY and Coinbase Custody (Ether Custodians), and Dechert LLP as legal counsel.

  • · The Trust is a passive investment vehicle that does not use leverage, derivatives, or similar arrangements.
  • · Staking will be executed exclusively via Provider-Facilitated Staking initially, with potential alternative means in the future subject to legal/tax risk assessment.
  • · Authorized Participants may create or redeem Shares in blocks of 10,000 Shares (a Basket) either in cash or in-kind.
  • · The Trust intends to make monthly (but at least quarterly) distributions of staking rewards to Shareholders.
  • · The Trust is classified as a non-accelerated filer, smaller reporting company, and emerging growth company.
Morgan Stanley Solana Trust S-1/A neutral materiality 6/10

14-07-2026

Morgan Stanley Solana Trust filed Amendment No. 3 to its S-1 registration statement for an IPO of shares tracking SOL price, with staking rewards. The trust will hold SOL, stake a portion via third-party providers, and list on NYSE Arca. The filing details the trust's passive investment strategy, creation/redemption mechanisms, and staking arrangements.

  • · The trust intends to stake a portion of its SOL to generate rewards, which will be distributed to shareholders monthly (but at least quarterly).
  • · Staking is delegated to validators via Solana Custodians and Staking Services Providers, who do not control cold storage private keys.
  • · The trust will not use leverage, derivatives, or engage in speculative trading of SOL.
  • · Authorized Participants can create or redeem Shares in cash or in-kind, with SOL Counterparties handling cash conversions.
  • · The Delegated Sponsor may sell SOL to pay expenses and make distributions.
  • · The filing is preliminary and not yet effective; the offering is subject to completion.

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