[8-K] TWO HARBORS INVESTMENT CORP. Reports Material Event

Rhea-AI Filing Summary

Two Harbors Investment Corp. furnished an update on its business by announcing financial results for the quarter ended September 30, 2025. The company provided a press release and an earnings call presentation as Exhibits 99.1 and 99.2.

The materials are furnished, not filed, and are not incorporated by reference. This 8-K is an administrative disclosure accompanying the company’s Q3 2025 results communication.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report: October 27, 2025

Two Harbors Investment Corp.

(Exact name of registrant as specified in its charter)

Maryland			001-34506						27-0312904
(State or other jurisdiction of incorporation or organization)			(Commission File Number)						(I.R.S. Employer Identification No.)
1601 Utica Avenue South, Suite 900			St. Louis Park,			MN			55416
(Address of Principal Executive Offices)									(Zip Code)

(612) 453-4100

Registrant's telephone number, including area code

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 Securities Registered Pursuant to Section 12(b) of the Act:

Title of Each Class:

Trading Symbol(s)

Name of Exchange on Which Registered:

Common Stock, par value $0.01 per share

TWO

New York Stock Exchange

8.125% Series A Cumulative Redeemable Preferred Stock

TWO PRA

New York Stock Exchange

7.625% Series B Cumulative Redeemable Preferred Stock

TWO PRB

New York Stock Exchange

7.25% Series C Cumulative Redeemable Preferred Stock

TWO PRC

New York Stock Exchange

9.375% Senior Notes Due 2030

TWOD

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

☐

Item 2.02           Results of Operations and Financial Condition.

On October 27, 2025, Two Harbors Investment Corp. issued a press release announcing its financial results for the fiscal quarter ended September 30, 2025. A copy of the press release and the 2025 Third Quarter Earnings Call Presentation are attached hereto as Exhibits 99.1 and 99.2, respectively, and are incorporated herein by reference.

The information in Item 2.02 of this Current Report, including Exhibits 99.1 and 99.2 attached hereto, is furnished pursuant to Item 2.02 of Form 8-K and shall not be deemed to be “filed” for any other purpose, including for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in Item 2.02 of this Current Report, including Exhibits 99.1 and 99.2, shall not be deemed incorporated by reference into any filing of the registrant under the Securities Act of 1933 or the Exchange Act, whether made before or after the date hereof, regardless of any general incorporation language in such filings (unless the registrant specifically states that the information or exhibit in this Item 2.02 is incorporated by reference).

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.						Description
99.1						Press Release of Two Harbors Investment Corp., dated October 27, 2025.
99.2						2025 Third Quarter Earnings Call Presentation.
104						Cover Page Interactive Data File, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			TWO HARBORS INVESTMENT CORP.
			By:			/s/ REBECCA B. SANDBERG
						Rebecca B. Sandberg
						Chief Legal Officer and Secretary
Date: October 27, 2025

FAQ

What did TWO disclose in this 8-K?

TWO furnished a press release announcing financial results for the quarter ended September 30, 2025, along with an earnings presentation.

Which exhibits were included with TWO’s Q3 2025 update?

Exhibit 99.1 is the press release dated October 27, 2025, and Exhibit 99.2 is the 2025 Third Quarter Earnings Call Presentation.

Are the Q3 2025 materials considered filed with the SEC?

No. The information, including Exhibits 99.1 and 99.2, is furnished and not deemed filed or incorporated by reference unless specifically stated.

What period do the disclosed results cover for TWO?

The fiscal quarter ended September 30, 2025.

On which exchange does TWO trade and under what symbol?

Common stock trades on the New York Stock Exchange under the symbol TWO.

What other TWO securities are listed?

8.125% Series A Preferred (TWO PRA), 7.625% Series B (TWO PRB), 7.25% Series C (TWO PRC), and 9.375% Senior Notes due 2030 (TWOD).