Sam Horn’s article, “Why Small Banks Are Moving Fast on M&A, Even As The Clock Ticks,” appears in the September 18, 2026 digital publication of The Financial Brand. Please read the full article on the website. Source materials are below:
Any information from podcast interviewee Bernard Horn of Polaris Capital is intended for information purposes only, and does not constitute: (i) financial, economic, legal, investment, accounting, or tax advice, (ii) a recommendation or an offer or solicitation to purchase or sell any securities or (iii) a recommendation for any investment product or strategy mentioned herein. References to specific securities are for illustrative purposes only.
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The views/opinions expressed by Mr. Horn are as of the podcast’s publication date (September 7, 2026), and are subject to change without notice. Views and opinions of Mr. Horn expressed herein do not necessarily state or reflect those of Polaris Capital Management, and are not nor shall be used for advertising or product endorsement purposes.
Please note that Polaris does owns shares of many stocks (Cytokinetics, AbbVie, Marathon Petroleum, TotalEnergies, ENI SpA, United Therapeutics, Jazz Pharmaceuticals, Samsung Electronics, SK hynix, Teleperformance, Adobe Inc, Booking Holding, Publicis Groupe, SLM Group, Waystar Holding, LATAM Airlines, International Consolidated Airlines Group) mentioned in this podcast as of the date of publication. Polaris has no obligation to provide updated information on the securities/instruments mentioned herein. Information, particularly facts and figures, are dated and in many cases outdated; Polaris does not undertake any obligation to update such information. This information is not intended to be complete or exhaustive and no representations or warranties, either express or implied, are made regarding the accuracy or completeness of the information contained herein. Reliance upon information in this material is at the sole discretion of the reader.
Polaris Capital is an investment adviser registered with the Securities and Exchange Commission. For more information about Polaris, please contact us at (617) 951-1365 or email Client Service.
These year-end 2025 videos are for informational purposes only and does not constitute investment advice, a recommendation, or offer to buy or sell any security. Past performance is no guarantee of future results. Actual results may differ materially.
References to specific securities or sectors are presented for illustrative purposes only. Such references may not be representative of all holdings and are not indicative of total performance.
Holdings are subject to change at any time without notice. The securities discussed are provided for illustrative purposes only and do not constitute a recommendation to buy or sell any security.
Certain statements herein may be forward-looking in nature, based on current expectations, estimates, projects, and assumptions and are subject to risks and uncertainties.
All investments involve risk, including the potential loss of principal. There is no guarantee that any investment strategy will achieve its objectives.
Information, data, and statistics are derived from sources believed to be reliable; however, their accuracy and completeness cannot be guaranteed.
Reliance upon information in this material is at the sole discretion of the viewer.
This material may not be reproduced or distributed without prior written consent.
Our global investment management strategies are specifically designed to help institutions, endowments, retirement plans, insurance companies, foundations and high-net-worth individuals achieve their long-term investment goals. Admirable performance has been our core objective for the nearly thirty years in business as Polaris. We invite you to learn more about our investment team, our investment management philosophy and our product portfolio by contacting us today.
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IMPORTANT INFO: RETIREMENT CALCULATOR
The retirement calculator is a model or tool intended for informational and educational purposes only, and does not constitute professional, financial or investment advice. This model may be helpful in formulating your future plans, but does not constitute a complete financial plan. We strongly recommend that you seek the advice of a financial services professional who has a fiduciary relationship with you before making any type of investment or significant financial decision. We, at Polaris Capital, do not serve in this role for you. We also encourage you to review your investment strategy periodically as your financial circumstances change.
This model is provided as a rough approximation of future financial performance that you may encounter in reaching your retirement goals. The results presented by this model are hypothetical and may not reflect the actual growth of your own investments. Polaris strives to keep its information and tools accurate and up-to-date.
The information presented is based on objective analysis, but may not be the same that you find at a particular financial institution, service provider or specific product’s site. Polaris Capital and its employees are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this tool. Polaris is not responsible for any human or mechanical errors or omissions. All content, calculations, estimates, and forecasts are presented without express or implied warranties, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose or otherwise.
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DISCLAIMER: You are about to leave the Polaris Capital Management, LLC website and will be taken to the PCM Global Funds ICAV website. By accepting, you are consenting to being directed to the PCM Global Funds ICAV website for non-U.S. investors only.