HBNC
Horizon Bancorp·NASDAQ
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HBNC fundamentals
Horizon Bancorp (HBNC) released its earnings on Jan 21, 2026: revenue was 74.94M (YoY +18.36%), beat estimates; EPS was 0.53 (YoY +35.90%), beat estimates.
Revenue / YoY
74.94M
+18.36%
EPS / YoY
0.53
+35.90%
Report date
Jan 21, 2026
HBNC Earnings Call Summary for Q4,2025
- Record Q4 Performance: ROA 1.6%, ROE 16%, NIM 4.29% with 9% annualized commercial loan growth.
- 2026 Outlook: NIM 4.25%-4.35%, driven by 6.5%+ loan coupons and 40% deposit beta to rate cuts.
- Credit Strength: Substandard loans down 8% Y/Y, NPAs stable at 72 bps with 8 bps charge-offs.
Earnings
EPS
Revenue
Revenue & Expenses
Key Indicators
Horizon Bancorp (HBNC) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Horizon Bancorp (HBNC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Balance Sheet
Horizon Bancorp (HBNC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Breakdown
Cash Flow
Horizon Bancorp (HBNC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does Horizon Bancorp (HBNC) generate its revenue? Explore its key revenue streams and top earning regions.
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Dividend
Track Horizon Bancorp (HBNC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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What is the market's earnings forecast for Horizon Bancorp next quarter?What were the key takeaways from Horizon Bancorp’s earnings call?What is the revenue and EPS growth rate for Horizon Bancorp year over year?What factors drove the changes in Horizon Bancorp's revenue and profit?What does Horizon Bancorp do and what are its main business segments?What is Horizon Bancorp's latest dividend and current dividend yield?What guidance did Horizon Bancorp's management provide for the next earnings period?What is Horizon Bancorp's gross profit margin?
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