The earnings call highlighted strong loan growth, net interest margin expansion, and improved earnings per share, indicating a positive financial performance. However, there was a decrease in consumer loan balances and an increase in provision expense. Overall, the positive aspects significantly outweigh the lowlights, suggesting that the company is on a strong financial footing heading into the second half of the year.

Company Guidance -

Q3 2025

During the second quarter call, Horizon Bancorp Inc. provided a robust financial overview, highlighting numerous key metrics that underscore their strong performance and strategic positioning. The quarter saw a 58% year-over-year increase in earnings per share, driven by a seventh consecutive quarter of net interest margin expansion, which increased by 19 basis points to 3.23%. Loan growth was significant, with net loans held for investment rising by $75.5 million, or 6.2% on an annualized basis, primarily fueled by a $117 million increase in commercial loans. Asset quality remained strong, with net charge-offs at 2 basis points and substandard loans at 1.29%. The allowance for credit losses increased to $54 million, representing 1.09% of loans held for investment. Horizon maintained a disciplined approach to deposit pricing, keeping funding costs relatively stable, and expects further margin expansion in the latter half of 2025. The company also reduced their full-year expense outlook, expecting it to remain flat compared to 2024, while forecasting mid-teens net interest income growth for the year.

Strong Loan Growth

Net loans held for investment grew $75.5 million, representing 1.5% growth in the quarter and 6.2% on an annualized basis, driven by commercial loan growth of $117 million, a 14.8% increase.

Net Interest Margin Expansion

The Q2 net interest margin increased by 19 basis points to 3.23%, exceeding expectations and driven by improved asset and liability mix.

Earnings Per Share Growth

Reported earnings per share grew by 58% compared to the same period a year ago.

Excellent Credit Quality

Low net charge-offs of 2 basis points annualized, with substandard loans and nonperforming loans reduced slightly this quarter.

Horizon Bancorp (HBNC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HBNC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.47 / -	0.41	―	―	―
Jul 23, 2025	2025 (Q2)	0.44 / 0.47	0.32	46.87% (+0.15)
Apr 23, 2025	2025 (Q1)	0.41 / 0.43	0.32	34.37% (+0.11)
Jan 22, 2025	2024 (Q4)	0.40 / 0.39	0.33	18.18% (+0.06)
Oct 23, 2024	2024 (Q3)	0.37 / 0.41	0.37	10.81% (+0.04)
Jul 24, 2024	2024 (Q2)	0.31 / 0.32	0.41	-21.95% (-0.09)
Apr 24, 2024	2024 (Q1)	0.31 / 0.32	0.43	-25.58% (-0.11)
Jan 24, 2024	2023 (Q4)	0.31 / 0.33	0.48	-31.25% (-0.15)
Oct 25, 2023	2023 (Q3)	0.36 / 0.37	0.55	-32.73% (-0.18)
Jul 26, 2023	2023 (Q2)	0.38 / 0.41	0.56	-26.79% (-0.15)

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 (HBNC) report earnings?

Horizon Bancorp (HBNC) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Horizon Bancorp (HBNC) earnings time?

Horizon Bancorp (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 0.47.

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