528 material Form 8-K filings that 462 companies we cover made with the SEC in January 2025, each read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). All of them were written later, when past filings were added: a selection, not every 8-K of the month (see the note below).
Wintrust Financial Corporation reported 2024 net income of $695.0 million, or $10.31 per diluted share, up from $622.6 million, or $9.58 per diluted share, in 2023, and described the result as a record full year. For the fourth quarter, net income was $185.4 million, or $2.63 per diluted share, compared with $170.0 million, or $2.47 per diluted share, in the third quarter, so per-share earnings rose from the prior quarter. The results were furnished in a Form 8-K with an earnings release and presentation dated January 21, 2025.
Full-year 2024 net income was $695.0 million, or $10.31 per diluted share, versus $622.6 million, or $9.58 per diluted share, in 2023.
Fourth-quarter 2024 net income was $185.4 million, or $2.63 per diluted share, versus $170.0 million, or $2.47 per diluted share, in the third quarter of 2024.
Net interest margin was 3.49% in the fourth quarter, unchanged from the third quarter, while net charge-offs fell to $15.9 million from $26.7 million.
The Macatawa Bank acquisition, completed August 1, 2024, added approximately $15.8 million of operating expenses in the fourth quarter.
Nicolet Bankshares reported fourth quarter 2024 net income of $34 million, or $2.19 per diluted share, up from $33 million and $2.10 in the third quarter and $31 million and $2.02 a year earlier. For full year 2024, net income was $124 million, or $8.05 per diluted share, compared with $62 million, or $4.08, in 2023, which included a large 2023 balance sheet repositioning loss. The results give shareholders a clear year-over-year improvement in both profit and per-share earnings.
Q4 2024 net income $34 million and diluted EPS $2.19, versus $33 million and $2.10 in Q3 2024 and $31 million and $2.02 in Q4 2023
Full year 2024 net income $124 million and diluted EPS $8.05, versus $62 million and $4.08 in 2023
Net interest margin for 2024 was 3.47%, up 29 bps from 3.18% in 2023
Total assets were $8.8 billion at December 31, 2024, up $328 million (4%) over the year
Progress Software reported fiscal fourth-quarter 2024 revenue of $215 million, up 21% from a year earlier, while GAAP diluted earnings per share fell to $0.03 from $0.34, a 91% decline; non-GAAP diluted EPS rose 30% to $1.33. The company guided fiscal 2025 revenue to $958 million to $970 million and GAAP diluted EPS to $1.08 to $1.23, versus $1.54 in fiscal 2024, and suspended its quarterly dividend to redirect capital toward debt repayment after completing the ShareFile acquisition on October 31, 2024.
Q4 2024 revenue $215 million, up 21% year-over-year; Annualized Recurring Revenue $842 million, up 46% on a constant currency basis
Q4 2024 GAAP diluted EPS $0.03 vs. $0.34 a year earlier; non-GAAP diluted EPS $1.33 vs. $1.02
FY 2025 revenue guidance $958 million to $970 million vs. $753 million in FY 2024; GAAP diluted EPS guidance $1.08 to $1.23 vs. $1.54
Board suspended quarterly dividend in Q4 2024 in connection with the ShareFile acquisition; cash payments for acquisitions were $852.7 million in the quarter
Pathward Financial reported net income of $31.4 million, or $1.29 per share, for the three months ended December 31, 2024, up from $27.7 million, or $1.06 per share, a year earlier. Total revenue rose 7% to $173.5 million, and the company's net interest margin increased to 6.84% from 6.23%, though results include a $16.4 million gain and a $15.7 million securities loss tied to the sale of its insurance premium finance business.
Total revenue was $173.5 million, up $10.7 million, or 7%, from the same quarter a year earlier.
Net interest margin rose 61 basis points to 6.84% from 6.23%.
The company repurchased 701,860 shares at an average price of $74.05 during the quarter, leaving 6,298,140 shares available under its program.
Total end-of-period deposits decreased 6% to $6.52 billion at December 31, 2024.
Zions Bancorporation reported fourth-quarter 2024 net earnings of $200 million, or $1.34 per diluted share, up from $116 million and $0.78 a year earlier but down slightly from $204 million and $1.37 in the third quarter. Net interest income rose 8% to $627 million, and the net interest margin widened to 3.05% from 2.91%, while the provision for credit losses increased to $41 million from less than $1 million.
Net earnings applicable to common shareholders were $200 million, versus $116 million in 4Q23 and $204 million in 3Q24.
Diluted EPS was $1.34, compared with $0.78 in 4Q23 and $1.37 in 3Q24.
Net interest income was $627 million, up 8%, and net interest margin was 3.05% versus 2.91%.
Provision for credit losses was $41 million versus less than $1 million; annualized net charge-offs were 0.24% versus 0.06%.
Interactive Brokers reported fourth-quarter 2024 results for the quarter ended December 31, 2024, with GAAP diluted EPS of $1.99 versus $1.48 a year earlier and GAAP net revenues of $1,387 million versus $1,139 million. The board also declared a quarterly cash dividend of $0.25 per share, payable March 14, 2025 to holders of record as of February 28, 2025.
GAAP diluted EPS was $1.99 for the quarter, compared with $1.48 in the year-ago quarter; adjusted diluted EPS was $2.03.
Commission revenue rose 37% to $477 million on higher customer trading volumes; customer stock volume increased 65%.
Net income available for common stockholders was $217 million, compared with $160 million a year earlier.
Quarterly dividend of $0.25 per share is payable March 14, 2025.
Hancock Whitney reported fourth-quarter 2024 net income of $122.1 million, or $1.40 per diluted share, up from $115.6 million, or $1.33 per share, in the third quarter. Total loans fell $156.1 million while deposits rose $509.9 million, and the CEO said the company announced its acquisition of Sabal Trust Company earlier on the same day; the filing gives no deal terms.
Q4 2024 net income $122.1 million, or $1.40 per diluted share, versus $115.6 million, or $1.33, in Q3 2024
Q4 2023 net income was $50.6 million, or $0.58 per share, including $75.4 million of supplemental disclosure items
Total loans were $23.3 billion at December 31, 2024, down $156.1 million; deposits were $29.5 billion, up $509.9 million
Board renewed the buyback authorization effective January 1, 2025, for up to 5% of shares outstanding at December 31, 2024
TrustCo Bank Corp NY reported fourth quarter 2024 net income of $11.3 million, or $0.59 per diluted share, up from $9.8 million, or $0.52, a year earlier. Full-year 2024 net income fell to $48.8 million, or $2.57 per diluted share, from $58.6 million, or $3.08, in 2023. Shareholders get a year-over-year quarterly gain alongside a lower annual profit, with book value per share rising to $35.56 at year end.
Q4 2024 net income $11.3 million, $0.59 diluted EPS, versus $9.8 million, $0.52 in Q4 2023
Full-year 2024 net income $48.8 million, $2.57 diluted EPS, versus $58.6 million, $3.08 in 2023
Net interest income $38.9 million in Q4 2024, up $296 thousand (0.8%) from Q4 2023
Book value per share $35.56 at December 31, 2024, up from $33.92 a year earlier
United Airlines Holdings reported fourth-quarter 2024 diluted earnings per share of $2.95, up from $1.81 a year earlier, on total operating revenue of $14.7 billion, up 7.8%. Full-year 2024 diluted EPS was $9.45 versus $7.89 in 2023, and the company said it sees robust demand in the first quarter of 2025, with forward guidance provided in a separate Investor Update.
Q4 2024 net income of $985 million and diluted EPS of $2.95, versus $600 million and $1.81 in Q4 2023
Q4 2024 pre-tax margin of 8.9%; full-year 2024 pre-tax earnings of $4.2 billion and diluted EPS of $9.45
Full-year adjusted diluted EPS of $10.61, at the better end of the 2024 guidance range of $9.00 to $11.00
Investor Update posted January 21, 2025 with business outlook; earnings call scheduled for January 22, 2025 at 9:30 a.m. CST
D.R. Horton reported first-quarter fiscal 2025 results for the period ended December 31, 2024. Net income attributable to the company fell 11% to $844.9 million, and diluted earnings per share fell 7% to $2.61, while consolidated revenues declined 1% to $7.6 billion. The company reiterated its fiscal 2025 revenue guidance, updated its share repurchase guidance to $2.6 billion to $2.8 billion, and declared a quarterly dividend of $0.40 per share.
Diluted EPS of $2.61 versus $2.82 a year earlier; net income attributable to D.R. Horton of $844.9 million versus $947.4 million
Consolidated revenues of $7.6 billion versus $7.7 billion; homes closed fell 1% to 19,059 from 19,340
Homebuilding pre-tax profit margin of 14.1% versus 15.0% a year earlier; Forestar pre-tax income of $21.9 million versus $51.2 million
Fiscal 2025 revenue guidance of $36.0 billion to $37.5 billion reiterated; quarterly dividend of $0.40 per share payable February 14, 2025
WaFd reported diluted earnings of $0.54 per share for the quarter ended December 31, 2024, down from $0.71 in the prior quarter and $0.85 a year earlier. The company said it will stop originating single-family mortgages and home equity lines of credit, recording $5.4 million in restructuring charges and expecting an 8% workforce reduction, which it estimates will save about $17 million in annual expenses by the end of June 2025.
Diluted EPS was $0.54 versus $0.71 for the prior quarter and $0.85 a year earlier; net income was $47.3 million, down 23% from the prior quarter.
Net interest income fell 10% to $155 million, and net interest margin dropped to 2.39% from 2.62%.
The company recorded $5.4 million in restructuring charges and expects annual expense savings of about $17 million by the end of June 2025.
Executive Vice President James Endrizzi moved to a Senior Vice President role effective January 16, 2025, and forfeits unvested awards of 37,841 restricted and performance shares.
Community Financial System reported fourth quarter 2024 net income of $49.8 million, or $0.94 per share, up from $33.7 million, or $0.63 per share, a year earlier. Full-year 2024 net income was $182.5 million, or $3.44 per share, and fourth quarter total revenues of $196.3 million were a company record, which shows higher earnings and revenue for shareholders.
Q4 2024 net income of $49.8 million, or $0.94 per share, versus $33.7 million, or $0.63 per share, in Q4 2023
Full-year 2024 net income of $182.5 million, or $3.44 per share
Q4 2024 total revenues of $196.3 million, a quarterly record, up 10.9% from the prior year's fourth quarter
Total ending loans of $10.43 billion, up 7.5% from the end of 2023
Old National Bancorp reported fourth-quarter 2024 net income applicable to common shares of $149.8 million, or $0.47 per diluted share, up from $139.8 million and $0.44 in the prior quarter; full-year 2024 diluted EPS was $1.68, versus $1.94 in 2023. The company also said President and COO Mark G. Sander will retire June 30, 2025, and named Daniel S. Hermann as Lead Independent Director, succeeding Rebecca S. Skillman, who remains on the board.
Q4 2024 net income applicable to common shares was $149.8 million, or $0.47 per diluted share, versus $139.8 million and $0.44 in Q3 2024.
Adjusted Q4 2024 EPS was $0.49; full-year 2024 diluted EPS was $1.68 ($1.86 adjusted) versus $1.94 in 2023.
Mark G. Sander, President and Chief Operating Officer, will retire effective June 30, 2025.
Daniel S. Hermann, a board member since 2020, was appointed Lead Independent Director; Rebecca S. Skillman served in the role since 2016.
3M reported fourth-quarter and full-year 2024 results and gave 2025 guidance. Full-year adjusted EPS from continuing operations rose 21% to $7.30, while full-year sales of $24.6 billion fell 0.1%, and fourth-quarter adjusted EPS fell 2% on flat sales. The company expects 2025 adjusted EPS of $7.60 to $7.90 and adjusted total sales growth of 0.5% to 1.5%.
Full-year 2024 GAAP EPS from continuing operations was $7.26, compared with a loss of $15.17 in 2023
Fourth-quarter 2024 sales were $6.0 billion, up 0.1% year-on-year, with GAAP EPS of $1.33, up 17%
Full-year 2024 operating cash flow was $1.8 billion; adjusted free cash flow was $4.9 billion
2025 guidance: adjusted total sales growth of 0.5% to 1.5% and adjusted EPS of $7.60 to $7.90
KeyCorp reported a fourth-quarter 2024 net loss from continuing operations attributable to common shareholders of $279 million, or $(.28) per diluted share, compared with net income of $30 million, or $.03 per share, a year earlier. Results were weighed down by after-tax charges of $657 million tied to the loss on the sale of securities; excluding selected items, adjusted net income was $378 million, or $.38 per diluted share.
Q4 2024 net loss of $279 million, or $(.28) per diluted share, versus net income of $30 million, or $.03, in Q4 2023
Adjusted net income of $378 million, or $.38 per diluted share; the securities-related charges totaled $657 million after tax
Total revenue of $865 million, up from $695 million in Q3 2024 but down 43.8% from $1,538 million in Q4 2023
Common Equity Tier 1 ratio was an estimated 12.0% at December 31, 2024, up from 10.8% at September 30, 2024
FB Financial reported fourth-quarter 2024 net income of $37.9 million, or $0.81 per diluted share, up from $0.63 a year earlier and $0.22 in the prior quarter. Total revenue was $130.4 million, compared with $116.4 million a year earlier, and noninterest expense fell to $73.2 million from $80.2 million. The filing contains no guidance for 2025.
Q4 2024 net income $37.9 million, or $0.81 per diluted share, versus $0.63 in Q4 2023 and $0.22 in Q3 2024
Adjusted diluted EPS $0.85, versus $0.77 in Q4 2023 and $0.86 in Q3 2024
Total revenue $130.4 million versus $116.4 million in Q4 2023; net interest margin 3.50%, down from 3.55% in Q3 2024
Net charge-offs of $11.3 million (0.47% annualized), driven by one previously reserved commercial and industrial relationship
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Briefs marked “Written later” were written in November 2026 for filings that were by then more than three weeks old, so months before mid-October 2026 hold a selection: every material 8-K of the past year for the 100 largest companies we cover and the last 15 important 8-Ks of every other one. Briefs the number check holds back are not shown or counted. Also: the last 45 days, briefs by company, A–Z and the live SEC filings wire.