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Side-by-side financial comparison of HORIZON BANCORP INC (HBNC) and ZIPRECRUITER, INC. (ZIP). Click either name above to swap in a different company.
ZIPRECRUITER, INC. is the larger business by last-quarter revenue ($111.7M vs $63.5M, roughly 1.8× HORIZON BANCORP INC). HORIZON BANCORP INC runs the higher net margin — 42.4% vs -0.7%, a 43.2% gap on every dollar of revenue. On growth, HORIZON BANCORP INC posted the faster year-over-year revenue change (19.5% vs 0.6%). HORIZON BANCORP INC produced more free cash flow last quarter ($74.3M vs $7.6M). Over the past eight quarters, HORIZON BANCORP INC's revenue compounded faster (9.2% CAGR vs -4.4%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
ZipRecruiter, Inc. is an American employment marketplace for job seekers and employers.
HBNC vs ZIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $63.5M | $111.7M |
| Net Profit | $26.9M | $-835.0K |
| Gross Margin | — | 89.1% |
| Operating Margin | 51.5% | 3.6% |
| Net Margin | 42.4% | -0.7% |
| Revenue YoY | 19.5% | 0.6% |
| Net Profit YoY | 347.4% | 92.3% |
| EPS (diluted) | $0.44 | $-0.03 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $63.5M | $111.7M | ||
| Q3 25 | $58.4M | $115.0M | ||
| Q2 25 | $66.3M | $112.2M | ||
| Q1 25 | $68.8M | $110.1M | ||
| Q4 24 | $53.1M | $111.0M | ||
| Q3 24 | $58.4M | $117.1M | ||
| Q2 24 | $55.8M | $123.7M | ||
| Q1 24 | $53.2M | $122.2M |
| Q4 25 | $26.9M | $-835.0K | ||
| Q3 25 | $-222.0M | $-9.8M | ||
| Q2 25 | $20.6M | $-9.5M | ||
| Q1 25 | $23.9M | $-12.8M | ||
| Q4 24 | $-10.9M | $-10.8M | ||
| Q3 24 | $18.2M | $-2.6M | ||
| Q2 24 | $14.1M | $7.0M | ||
| Q1 24 | $14.0M | $-6.5M |
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 89.1% |
| Q4 25 | 51.5% | 3.6% | ||
| Q3 25 | -490.4% | -4.4% | ||
| Q2 25 | 36.8% | -5.9% | ||
| Q1 25 | 40.8% | -10.6% | ||
| Q4 24 | -41.3% | -3.6% | ||
| Q3 24 | 31.0% | -2.8% | ||
| Q2 24 | 28.5% | 7.6% | ||
| Q1 24 | 28.8% | -0.7% |
| Q4 25 | 42.4% | -0.7% | ||
| Q3 25 | -380.2% | -8.5% | ||
| Q2 25 | 31.1% | -8.5% | ||
| Q1 25 | 34.8% | -11.7% | ||
| Q4 24 | -20.5% | -9.7% | ||
| Q3 24 | 31.1% | -2.2% | ||
| Q2 24 | 25.4% | 5.7% | ||
| Q1 24 | 26.3% | -5.3% |
| Q4 25 | $0.44 | $-0.03 | ||
| Q3 25 | $-4.69 | $-0.11 | ||
| Q2 25 | $0.47 | $-0.10 | ||
| Q1 25 | $0.54 | $-0.13 | ||
| Q4 24 | $-0.25 | $-0.10 | ||
| Q3 24 | $0.41 | $-0.03 | ||
| Q2 24 | $0.32 | $0.07 | ||
| Q1 24 | $0.32 | $-0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $139.5M | $188.0M |
| Total DebtLower is stronger | $248.6M | — |
| Stockholders' EquityBook value | $688.3M | $-77.2M |
| Total Assets | $6.4B | $569.7M |
| Debt / EquityLower = less leverage | 0.36× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $139.5M | $188.0M | ||
| Q3 25 | $458.3M | $211.8M | ||
| Q2 25 | $137.9M | $203.5M | ||
| Q1 25 | $169.7M | $221.1M | ||
| Q4 24 | $293.4M | $218.4M | ||
| Q3 24 | $234.8M | $225.6M | ||
| Q2 24 | $146.1M | $271.7M | ||
| Q1 24 | — | $282.5M |
| Q4 25 | $248.6M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $688.3M | $-77.2M | ||
| Q3 25 | $660.8M | $-76.1M | ||
| Q2 25 | $790.9M | $-65.9M | ||
| Q1 25 | $776.1M | $-11.3M | ||
| Q4 24 | $763.6M | $13.4M | ||
| Q3 24 | $754.8M | $13.6M | ||
| Q2 24 | $726.7M | $24.4M | ||
| Q1 24 | $721.3M | $12.7M |
| Q4 25 | $6.4B | $569.7M | ||
| Q3 25 | $6.7B | $573.6M | ||
| Q2 25 | $7.7B | $592.4M | ||
| Q1 25 | $7.6B | $629.4M | ||
| Q4 24 | $7.8B | $664.1M | ||
| Q3 24 | $7.9B | $652.0M | ||
| Q2 24 | $7.9B | $665.3M | ||
| Q1 24 | $7.9B | $662.4M |
| Q4 25 | 0.36× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.61× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $79.2M | $7.7M |
| Free Cash FlowOCF − Capex | $74.3M | $7.6M |
| FCF MarginFCF / Revenue | 117.0% | 6.8% |
| Capex IntensityCapex / Revenue | 7.8% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.94× | — |
| TTM Free Cash FlowTrailing 4 quarters | $115.9M | $9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $79.2M | $7.7M | ||
| Q3 25 | $10.9M | $2.6M | ||
| Q2 25 | $19.5M | $10.5M | ||
| Q1 25 | $15.2M | $-9.9M | ||
| Q4 24 | $6.4M | $12.5M | ||
| Q3 24 | $32.3M | $9.3M | ||
| Q2 24 | $15.9M | $21.9M | ||
| Q1 24 | $6.5M | $2.0M |
| Q4 25 | $74.3M | $7.6M | ||
| Q3 25 | $9.4M | $2.2M | ||
| Q2 25 | $18.1M | $10.2M | ||
| Q1 25 | $14.1M | $-10.2M | ||
| Q4 24 | $1.3M | $12.0M | ||
| Q3 24 | $31.0M | $9.2M | ||
| Q2 24 | $15.1M | $21.7M | ||
| Q1 24 | $5.4M | $1.9M |
| Q4 25 | 117.0% | 6.8% | ||
| Q3 25 | 16.1% | 1.9% | ||
| Q2 25 | 27.3% | 9.1% | ||
| Q1 25 | 20.5% | -9.3% | ||
| Q4 24 | 2.4% | 10.8% | ||
| Q3 24 | 53.1% | 7.8% | ||
| Q2 24 | 27.1% | 17.6% | ||
| Q1 24 | 10.1% | 1.6% |
| Q4 25 | 7.8% | 0.1% | ||
| Q3 25 | 2.6% | 0.3% | ||
| Q2 25 | 2.1% | 0.3% | ||
| Q1 25 | 1.6% | 0.3% | ||
| Q4 24 | 9.6% | 0.4% | ||
| Q3 24 | 2.2% | 0.2% | ||
| Q2 24 | 1.5% | 0.1% | ||
| Q1 24 | 2.2% | 0.1% |
| Q4 25 | 2.94× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.94× | — | ||
| Q1 25 | 0.64× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.78× | — | ||
| Q2 24 | 1.13× | 3.12× | ||
| Q1 24 | 0.47× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HBNC
Segment breakdown not available.
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
