HBNC
Horizon Bancorp·NASDAQ
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HBNC fundamentals
Horizon Bancorp (HBNC) released its earnings on Oct 22, 2025: revenue was 62.18M (YoY +6.44%), missed estimates; EPS was 0.21 (YoY -48.78%), missed estimates.
Revenue / YoY
62.18M
+6.44%
EPS / YoY
0.21
-48.78%
Report date
Oct 22, 2025
HBNC Earnings Call Summary for Q3,2025
- Margin Expansion: Q3 net interest margin +29 bps to 3.52%, with Q4 exit rate targeting 4.2%-4.3%.
- Loan Growth Momentum: Commercial loans up $58M Q/Q, core deposit resilience supporting 4%+ margin.
- M&A Focus: Eyeing $300M-$400M+ deals in Michigan/Indiana, with 2026 EPS guidance at $2/share.
- Credit Strength: Substandard loans at 1.31%, no material stress in commercial portfolio post-indirect auto exit.
- Capital Efficiency: Peer-leading ROA and ROTCE, with 2026 non-FTE net interest income growth >10%.
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Key Indicators
Horizon Bancorp (HBNC) key financial stats and ratios, covering profitability, financial health, and leverage.
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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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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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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Where does Horizon Bancorp (HBNC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Horizon Bancorp (HBNC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What factors drove the changes in Horizon Bancorp's revenue and profit?What is Horizon Bancorp's gross profit margin?What is the revenue and EPS growth rate for Horizon Bancorp year over year?What is the market's earnings forecast for Horizon Bancorp next quarter?What guidance did Horizon Bancorp's management provide for the next earnings period?What does Horizon Bancorp do and what are its main business segments?Did Horizon Bancorp beat or miss consensus estimates last quarter?What were the key takeaways from Horizon Bancorp's earnings call?
