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

During Horizon Bancorp Inc.'s second-quarter 2025 conference call, the company reported robust financial performance metrics, including a seventh consecutive quarter of net interest margin expansion, which increased by 19 basis points to 3.23%. Loan growth was strong, with net loans held for investment growing by 1.5% for the quarter and 6.2% on an annualized basis. Commercial loans contributed $117 million to this growth, representing a 14.8% increase. Horizon also experienced low net charge-offs of 2 basis points annualized and maintained excellent credit quality with substandard loans and nonperforming loans at 1.29% and 54 basis points, respectively. Earnings per share saw a significant increase, growing by 58% compared to the prior year. The company expects continued net interest income growth in the mid-teens for the full year 2025 and has managed to keep funding costs relatively stable. Additionally, Horizon maintained a disciplined approach to expense management, expecting total expenses for 2025 to remain flat compared to 2024. Looking forward, Horizon remains optimistic about the remainder of 2025, with anticipated loan growth in the mid-single digits and strategic management of capital and deposit trends.

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.

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 0.48.

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