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).
Glacier Bancorp reported fourth-quarter 2024 net income of $61.8 million, or $0.54 per diluted share, up from $54.3 million, or $0.49 per diluted share, a year earlier. For full-year 2024, net income fell 15% to $190 million, or $1.68 per diluted share, from $2.01 in 2023, as funding costs rose and acquisition-related expenses increased.
Q4 2024 net income was $61.8 million, up 21% from the prior quarter and up 14% from the prior year fourth quarter
Q4 2024 diluted EPS was $0.54, compared with $0.45 in the prior quarter and $0.49 a year earlier
Full-year 2024 net income was $190 million, down $32.8 million, or 15%, and diluted EPS was $1.68 versus $2.01 in 2023
The board declared a quarterly dividend of $0.33 per share, payable December 19, 2024
Sallie Mae reported fourth-quarter 2024 GAAP diluted EPS of $0.50, down from $0.72 a year earlier, as provisions for credit losses rose to $108 million from $16 million. For full-year 2024, diluted EPS rose to $2.68 from $2.41, and the company guided to 2025 diluted EPS of $3.00 to $3.10.
Q4 2024 net income attributable to common stock was $107 million, versus $164 million in Q4 2023.
Full-year 2024 net income attributable to common stock was $590 million, versus $564 million in 2023.
2025 guidance: GAAP diluted EPS of $3.00 to $3.10, private education loan originations growth of 6% to 8%, and non-interest expenses of $655 million to $675 million.
Company repurchased $250 million of shares in 2024 and had $402 million of repurchase capacity remaining as of December 31, 2024.
Columbia Banking System reported fourth-quarter 2024 net income of $143 million and diluted earnings per share of $0.68, compared with $146 million and $0.70 in the third quarter, while operating EPS rose to $0.71 from $0.69. Net interest income rose $7 million to $437 million, but non-interest income fell $16 million, and full-year 2024 net income of $533.7 million was up 53% from 2023, which shareholders may weigh against the quarter-over-quarter decline.
Q4 2024 net income was $143 million, down from $146 million in Q3 2024; diluted EPS was $0.68, versus $0.70 in Q3 and $0.45 in Q4 2023.
Operating diluted EPS, a non-GAAP measure, was $0.71 in Q4 2024 compared with $0.69 in Q3 2024.
Net interest income rose $7 million to $437 million, while non-interest income fell $16 million to $50 million, driven partly by a $6 million net fair value loss.
Full-year 2024 net income was $533.7 million and diluted EPS was $2.55, up from $1.78 in 2023; final figures will appear in the Form 10-K.
First Financial Bancorp reported fourth quarter 2024 net income of $64.9 million, or $0.68 per diluted share, up from $52.5 million, or $0.55, in the third quarter. For the full year, diluted earnings per share fell to $2.40 from $2.69 in 2023, and net income fell to $228.8 million from $255.9 million, so shareholders saw a sequential improvement but a lower annual result.
Q4 2024 net income of $64.9 million, or $0.68 per diluted share, versus $52.5 million, or $0.55, in Q3 2024
Full-year 2024 diluted EPS of $2.40 versus $2.69 in 2023; net income of $228.8 million versus $255.9 million
Q4 adjusted EPS of $0.71 (non-GAAP); net interest margin on a fully tax-equivalent basis of 3.94%, down from 4.08% in Q3
Q4 noninterest expenses of $147.9 million included $14.3 million of tax credit writedowns
Assurant said it expects about $50 million pre-tax, or $40 million after-tax, in reportable catastrophe losses for fourth quarter 2024, which is more favorable than early estimates given on its third quarter call. The company also agreed to sell its Miami, Florida campus for $126 million, subject to buyer development approvals that could take 18 to 24 months, and it expects California wildfires to be a reportable catastrophe in first quarter 2025.
Q4 2024 reportable catastrophes expected at about $50 million pre-tax ($40 million after-tax), mainly in lender-placed within Global Housing and largely from Hurricane Milton
Miami campus sale agreement dated January 22, 2025, at a purchase price of $126 million, with a 90-day buyer due diligence period
Closing expected within 30 days after buyer receives development approvals, which could take 18 to 24 months
California wildfires expected to be a reportable catastrophe in Q1 2025; more detail planned for the February 12, 2025 earnings call
Associated Banc-Corp reported a fourth-quarter 2024 net loss available to common equity of $164 million, or $1.03 per diluted share, compared with earnings of $85 million in the prior quarter. Full-year 2024 earnings were $112 million, or $0.72 per share, down from $171 million, or $1.13 per share, in 2023, as nonrecurring losses tied to a balance sheet repositioning weighed on results; excluding those items, adjusted full-year earnings were $367 million, or $2.38 per share.
Q4 2024 loss included a $130 million loss on a mortgage portfolio sale, a $148 million net loss on a sale of investments, and a $14 million loss on prepayments of FHLB advances
Adjusted Q4 2024 earnings were $91 million, or $0.57 per common share (non-GAAP)
2025 outlook: total net interest income growth of 12% to 13%, period end total loan growth of 5% to 6%, and noninterest expense growth of 3% to 4% (adjusted for the $14 million FHLB prepayment loss)
Period end deposits were $34.6 billion at December 31, 2024, up $1.2 billion from a year earlier; CET1 capital ratio was 10.00%
Heritage Financial reported fourth-quarter 2024 net income of $11.9 million, or $0.34 per diluted share, up from $0.18 a year earlier and $0.33 in the third quarter. Full-year 2024 net income fell to $43.3 million, or $1.24 per diluted share, from $61.8 million, or $1.75, in 2023. The company also declared a quarterly dividend of $0.24 per share, up 4.3% from $0.23, and disclosed a $3.9 million pre-tax securities loss and BOLI restructuring costs that reduced quarterly earnings.
Q4 2024 net income $11.9 million, or $0.34 per diluted share, versus $0.18 in Q4 2023
Full-year 2024 net income $43.3 million, or $1.24 per diluted share, versus $1.75 in 2023
Pre-tax securities loss of $3.9 million and BOLI restructuring costs reduced diluted EPS by a combined $0.17 in Q4
Quarterly dividend of $0.24 per share, payable February 20, 2025, to holders of record on February 6, 2025
Old Republic International reported fourth-quarter 2024 diluted net income of $0.42 per share, down from $0.69 a year earlier, after $154.4 million in pretax investment losses. Excluding investment gains and losses, diluted operating income rose to $0.90 per share from $0.69, with net premiums and fees earned up 11.4% and the combined ratio improving to 92.7% from 93.3%, while the company also disclosed a special cash dividend of $2.00 per share.
Q4 2024 diluted net income of $0.42 per share vs. $0.69 in Q4 2023; investment losses cost $0.48 per share
Q4 2024 diluted net income excluding investment gains (losses) of $0.90 per share, up 30.4%
Full-year 2024 diluted net income of $3.24 per share vs. $2.10 in 2023; full-year combined ratio of 93.9% vs. 92.6%
Special cash dividend of $2.00 per share declared in Q4 and paid in January 2025; total capital returned in Q4 was $733 million
Valley National Bancorp reported fourth quarter 2024 net income of $115.7 million, or $0.20 per diluted share, up from $97.9 million in the third quarter. Excluding non-core items, adjusted net income was $75.7 million, or $0.13 per share, down from $96.8 million in the third quarter, and the reported figure was helped by a $26.7 million income tax benefit. Shareholders also face higher credit costs, with a $107.0 million provision for loan credit losses and $98.3 million in net loan charge-offs.
Net income was $115.7 million, or $0.20 per diluted share, versus $97.9 million, or $0.18, in Q3 2024 and $71.6 million, or $0.13, in Q4 2023.
Adjusted net income was $75.7 million, or $0.13 per diluted share, versus $96.8 million, or $0.18, in Q3 2024.
The quarter included a $26.7 million income tax benefit, mostly from a $46.4 million reduction in uncertain tax liabilities.
Net interest margin rose 6 basis points to 2.92% from 2.86% in Q3 2024; the provision for loan credit losses was $107.0 million versus $75.0 million in Q3 2024.
Freeport-McMoRan reported fourth-quarter 2024 net income attributable to common stock of $274 million, or $0.19 per share, down from $388 million, or $0.27 per share, a year earlier. Quarterly revenue fell to $5,720 million from $5,905 million, while full-year 2024 revenue rose to $25,455 million from $22,855 million and full-year diluted EPS was $1.30 versus $1.28.
Q4 2024 net income attributable to common stock was $274 million, $0.19 per share, versus $388 million, $0.27 per share in Q4 2023; adjusted net income was $450 million, $0.31 per share, after $176 million in net charges.
Q4 2024 revenues were $5,720 million and operating income was $1,243 million, compared with $5,905 million and $1,722 million in Q4 2023.
Full-year 2024 revenues were $25,455 million and net income attributable to common stock was $1,889 million, compared with $22,855 million and $1,848 million in 2023.
For 2025, operating cash flows are expected to approximate $6.2 billion, against $7.2 billion for 2024, based on stated price assumptions.
MarineMax reported fiscal 2025 first-quarter results for the quarter ended December 31, 2024, with revenue down 11.2% and same-store sales down 11% amid a soft retail market and Hurricanes Helene and Milton. GAAP net income rose to $18.1 million, but that figure reflected a large contingent consideration adjustment, while adjusted diluted EPS fell to $0.17 from $0.19. The company reaffirmed its fiscal 2025 adjusted EPS and adjusted EBITDA guidance.
Revenue fell 11.2% to $468.5 million from $527.3 million; same-store sales decreased 11%.
Net income was $18.1 million, or $0.77 per diluted share, including a $25.8 million change in fair value of contingent consideration; adjusted diluted EPS was $0.17 versus $0.19 a year earlier.
Adjusted EBITDA was $26.1 million versus $26.6 million in the prior-year quarter; gross margin rose 290 basis points to 36.2%.
Fiscal 2025 guidance reaffirmed: adjusted EPS of $1.80 to $2.80 and adjusted EBITDA of $150 million to $180 million.
Dime Community Bancshares reported a net loss available to common stockholders of $22.2 million, or $(0.54) per diluted share, for the quarter ended December 31, 2024, compared with net income of $11.5 million, or $0.29 per share, in the prior quarter. The loss reflected a $42.8 million pre-tax loss on the sale of securities and $9.1 million of income tax expense tied to the surrender of legacy BOLI assets, even as net interest income rose to $91.1 million. For full-year 2024, net income available to common stockholders was $21.8 million, or $0.55 per diluted share, down from $88.8 million, or $2.29, in 2023.
Q4 2024 net loss available to common stockholders was $22.2 million, or $(0.54) per diluted share, versus net income of $11.5 million, or $0.29, in Q3 2024.
Net interest income rose to $91.1 million from $79.9 million in Q3 2024; net interest margin was 2.79%, up from 2.50%.
Q4 2024 included a $42.8 million pre-tax loss on sale of securities and $9.1 million of income tax expense related to the BOLI surrender.
Full-year 2024 net income available to common stockholders was $21.8 million, or $0.55 per diluted share, compared with $88.8 million, or $2.29, in 2023.
Atlantic Union Bankshares reported fourth-quarter 2024 net income available to common shareholders of $54.8 million, or $0.60 per diluted share, and full-year net income of $197.3 million, or $2.24 per diluted share. Quarterly results were weighed down by merger-related costs and a $13.1 million specific reserve on one impaired commercial loan, which raised the provision for credit losses to $17.5 million from $2.6 million in the prior quarter.
Q4 2024 net income available to common shareholders was $54.8 million; adjusted diluted operating EPS was $0.67
Provision for credit losses was $17.5 million in Q4 2024, versus $2.6 million in Q3 2024, driven by a $13.1 million specific reserve
Nonperforming assets rose to $58.4 million at December 31, 2024, from $37.3 million at September 30, 2024
Management will discuss results on a webcast and conference call at 9:00 a.m. Eastern Time on January 23, 2025
American Airlines reported record fourth-quarter revenue of $13.7 billion and GAAP net income of $590 million, or $0.84 per diluted share, compared with $19 million a year earlier. For full-year 2024, adjusted diluted EPS fell to $1.96 from $2.65, and the company guided to a first-quarter 2025 adjusted loss of $0.20 to $0.40 per diluted share, with full-year 2025 adjusted EPS of $1.70 to $2.70.
Q4 2024 total operating revenues were $13.7 billion, up 4.6% from $13.1 billion in Q4 2023.
Q4 2024 GAAP net income was $590 million ($0.84 diluted EPS); excluding net special items, adjusted diluted EPS was $0.86 versus $0.29 a year earlier.
Full-year 2024 adjusted diluted EPS was $1.96, down from $2.65 in 2023; full-year free cash flow was a record $2.2 billion.
Guidance: first-quarter 2025 adjusted loss of $0.20 to $0.40 per diluted share; full-year 2025 adjusted EPS of $1.70 to $2.70.
CVB Financial Corp. reported fourth-quarter 2024 net earnings of $50.9 million, or $0.36 per diluted share, up from $48.5 million and $0.35 a year earlier but slightly below the third quarter's $51.2 million. For full-year 2024, net earnings were $200.7 million, or $1.44 per share, down from $221.4 million and $1.59 in 2023, as lower net interest income and securities losses weighed on results.
Q4 2024 net earnings $50.9 million, $0.36 diluted EPS, versus $0.35 in Q4 2023 and $0.37 in Q3 2024
Full-year 2024 net earnings $200.7 million, $1.44 diluted EPS, versus $221.4 million and $1.59 in 2023
Q4 2024 net interest income $110.4 million, down $8.9 million from Q4 2023; net interest margin 3.18%
Board authorized a 10 million share repurchase program in Q4 2024; no shares were repurchased in the quarter
Elevance Health reported fourth quarter 2024 operating revenue of $45.0 billion, up 6% from a year earlier, but diluted EPS fell to $1.81 from $3.63 and adjusted diluted EPS fell to $3.84 from $5.62. The company also projected 2025 adjusted diluted EPS of $34.15 to $34.85 and raised its quarterly dividend 5% to $1.71 per share, which matters to shareholders because it shows the company's near-term earnings outlook and cash returns.
Q4 2024 operating revenue was $45.0 billion, up 6%; benefit expense ratio rose to 92.4% from 89.2%, driven mainly by higher Medicaid medical cost trends.
Full year 2024 diluted EPS was $25.68, up 1.8%; adjusted diluted EPS was $33.04, down 0.3%.
Projected 2025 GAAP diluted EPS is $30.40 to $31.10 and adjusted diluted EPS is $34.15 to $34.85.
The first quarter 2025 dividend is $1.71 per share, payable March 25, 2025, up 5% from $1.63.
Texas Capital Bancshares reported fourth quarter 2024 net income available to common stockholders of $66.7 million, or $1.43 per diluted share, compared with a net loss of $65.6 million in the third quarter, which included a $179.6 million loss on securities sales. For full year 2024, net income available to common stockholders fell to $60.3 million, or $1.28 per diluted share, from $171.9 million, or $3.54, in 2023. The board also authorized a share repurchase of up to $200.0 million through January 31, 2026.
Q4 2024 net income available to common stockholders was $66.7 million, or $1.43 per diluted share, versus a $65.6 million loss, or $1.41 per share, in Q3 2024 and $15.8 million, or $0.33, in Q4 2023.
Full year 2024 diluted EPS was $1.28 versus $3.54 in 2023; the company's adjusted full year EPS was $4.43 versus $3.85, a non-GAAP measure.
Q4 2024 net interest margin was 2.93%, down 23 basis points from Q3 2024.
On January 22, 2025, the board authorized a new buyback of up to $200.0 million through January 31, 2026, ending the remaining authorization under the January 17, 2024 program.
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.