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Horizon Bancorp [In] (HBNC)
NASDAQ:HBNC
Earnings Data
Report Date
Oct 22, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.48Last Year’s EPS
0.41Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong financial performance, with significant growth in net interest margin and loan growth, coupled with solid earnings per share growth and effective expense management. However, challenges include competitive pressures in loan pricing, decreased interchange revenue, and increased provision expenses. Overall, the positive aspects of the financial performance and outlook outweighed the challenges mentioned.Company Guidance
Significant Net Interest Margin Expansion
The net interest margin increased by 19 basis points to 3.23% in Q2, with expectations for continued expansion.
Strong Loan Growth
Loan growth of $117 million in commercial loans and $8 million in consumer loans, with an overall growth of 6.2% on an annualized basis.
Earnings Per Share Growth
Earnings per share grew by 58% versus the comparable period a year ago.
Stable Credit Quality
Low net charge-offs at 2 basis points annualized, with substandard loans and nonperforming loans at 1.29% and 54 basis points respectively.
Prudent Expense Management
Reported expenses are expected to be flat compared to the full year 2024, indicating effective cost management.
HBNC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HBNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 23, 2025 | $15.93 | $15.45 | -3.01% |
Apr 23, 2025 | $14.04 | $14.68 | +4.56% |
Jan 22, 2025 | $15.37 | $16.08 | +4.62% |
Oct 23, 2024 | $14.64 | $15.52 | +6.01% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Horizon Bancorp [In] (HBNC) report earnings?
Horizon Bancorp [In] (HBNC) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).
What is Horizon Bancorp [In] (HBNC) earnings time?
Horizon Bancorp [In] (HBNC) earnings time is at Oct 22, 2025, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HBNC EPS forecast?
HBNC EPS forecast for the fiscal quarter 2025 (Q3) is 0.48.