UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SEADRILL LIMITED (Exact name of Registrant as specified in its charter) Bermuda 98-1834031 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 11025 Equity Dr. , Suite 150, Houston, Texas, United States of America 77041 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: +1 (713) 329 1150 Securities registered or to be registered pursuant ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _______________________________________ FORM 10-K _______________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-34776 Chord Energy Corporation (Exact name of registrant as specified in its ch ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________________ FORM 20-F ______________________________________ (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended to December 31, 2025 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the trans ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _______________________________________________________________ FORM 10-K _______________________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 00 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K S ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2025 (I.R.S. Employer Identification No.) Houston, Texas 77046 OR £ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO COMMISSION FILE NUMBER: 001-38280 Stellar Bancorp, Inc. (Exact name of registrant as specified in its charter) Te ...

Financial Performance - Net revenue increased by 13.0% from $771.3 million for the year ended December 31, 2024, to $871.9 million for the year ended December 31, 2025[57]. - The company reported a net income of $1.6 million for the year ended December 31, 2025, compared to a net loss of $20.4 million for 2024, with an accumulated deficit of $685.6 million as of December 31, 2025[92]. - The company expects to incur increased operating costs and may generate net losses in the near term to strengthen customer engagement and grow brand awareness[94]. - The company has a net operating loss carryforward (NOL) of $299.9 million, with federal NOLs of $68.9 million and state NOLs of $80.2 million beginning to expire in 2033[216]. - The company’s effective tax rate may be adversely affected by expansion into new jurisdictions or changes in tax laws, impacting its financial performance[218]. Retail Operations - As of December 31, 2025, the company operates 323 retail stores across the United States and Canada, with 285 offering in-person eye exams[62]. - Approximately 65% of retail stores have been opened in the last five years, which may affect revenue generation compared to more mature stores[63]. - The company is expanding its retail footprint by opening new stores and enhancing e-commerce capabilities, which are essential for customer retention and growth[82]. Supply Chain and Operational Risks - The company relies on a limited number of third-party suppliers for components, exposing it to supply chain disruptions that could adversely affect financial performance[64]. - New tariffs announced in 2025 on imports from countries including China, Italy, Vietnam, and Japan may increase costs and impact margins[67]. - The company is implementing mitigation strategies to offset tariff impacts, including diversifying the supplier base and selective price increases[68]. - The company relies on a limited number of third-party suppliers and contract manufacturers, increasing the risk of supply chain disruptions[198]. - The company depends on third parties for payment processing, and any disruptions could adversely affect operations and customer trust[202]. Technology and Cybersecurity - Significant reliance on information technology systems for operations, with potential risks from cybersecurity incidents that could affect business continuity[70]. - The company is undergoing a multi-year process of upgrading its IT systems, which may disrupt operations and efficiency during implementation[71]. - The company acknowledges the risks associated with using artificial intelligence, including operational disruptions and potential reputational harm[78]. - The company must continuously monitor and adapt to changing telehealth regulations across different jurisdictions, which could impact its service delivery[156]. Market Competition and Strategy - The company derives most of its revenue from glasses sales, which are in highly competitive markets, and any decline in sales could materially impact financial results[93]. - The company competes with larger, integrated optical players and must continue to innovate and invest in technology to maintain its market position[85]. - Strategic partnerships, such as those with Target and Samsung, are intended to expand services but may pose integration challenges and require significant upfront costs[99]. - The company plans to invest in new products, including AI-powered smart glasses developed in partnership with Google, and expand vision care services through optometrists[101]. Regulatory and Compliance Issues - The company is subject to extensive healthcare laws and regulations, and non-compliance could result in significant penalties and reputational harm[138]. - Eyeglasses and contact lenses are regulated as medical devices by the FDA, and failure to comply with regulatory requirements could adversely affect the business[141]. - The company collects sensitive customer data and is subject to evolving privacy and data protection laws, which could impose liabilities if not complied with[145]. - The company faces potential fines and penalties for non-compliance with privacy laws, which could adversely affect its business and reputation[155]. - Non-compliance with FDA regulations could result in significant penalties, including product recalls and loss of marketing approvals[175]. Human Resources and Talent Management - The company faces challenges in retaining and recruiting eye care professionals, which is critical for offering eye exams and supporting growth strategies[96]. - The company relies on highly skilled personnel for growth, and challenges in hiring and retaining talent could hinder strategic objectives[125]. - Maintaining company culture is critical for success, and failure to do so may lead to increased recruitment costs and negatively impact business performance[127]. Customer Relations and Product Management - Delays in processing customer orders or quality issues could lead to loss of customers and negatively impact reputation and financial results[69]. - The company allows customers to return products within 30 days for a full refund, establishing a reserve for returns based on historical data[130]. - A six-month no scratch guarantee on eyeglass lenses could incur significant costs if customers claim replacements[131]. Financial Structure and Governance - The company is classified as a public benefit corporation, which may lead to decisions that do not maximize stockholder value due to the obligation to balance various interests[223]. - The company has authorized a share repurchase program to buy back up to $100.0 million of its Class A common stock, with no fixed expiration date[244]. - The multi-class structure of the company's common stock concentrates voting control with Class B shareholders, potentially limiting the influence of Class A shareholders on corporate matters[238]. - The company has identified material weaknesses in its internal control over financial reporting, which could affect investor confidence and the market price of its Class A common stock[248]. Legal and Environmental Considerations - The company is experiencing a rise in legal proceedings and regulatory disputes, which could divert management's attention and incur significant expenses[191]. - Environmental, health, and safety regulations may impose substantial costs and liabilities, potentially resulting in fines or remediation expenses[189]. - Legislative efforts to reduce plastic waste could increase packaging costs and necessitate changes in current practices[190]. Economic Factors - Economic conditions such as inflation, consumer confidence, and unemployment are critical factors that could impact consumer demand for the company's products and services[255]. - Changes in macroeconomic factors could negatively impact the company's business and consumer demand for its offerings[255].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 0-16211 DENTSPLY SIRONA Inc. (Exact name of registrant as specified in its charter) Delaware 39-1434669 (State or other jurisdiction of incorporation or organization) (I.R.S. Employe ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____ to ____ Commission file number: 001-33245 EMPLOYERS HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. For the transition period from _________ to _________. Commission file number 0-21513 DXP Enterprises, Inc. (Exact name of registrant as specified in its charter) Texas 5301 Hollister, Houston, Texas 77040 76-0509661 (State of incorporation) (Address of principal executive of ices, including zip code) (I.R.S. Employer Identification Num ...

(Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ (Address of principal executive offices) (Registrant's telephone number, including area code): 412-315-2900 Securities registered pursuant to Se ...