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Horizon Bancorp [In] (HBNC)
NASDAQ:HBNC
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.48Last Year’s EPS
0.43Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights strong profitability and margin momentum driven by successful balance sheet repositioning, solid commercial loan growth, improving capital metrics, and growing fee income. Credit performance remains generally healthy with low annualized charge-off rates, although there is a modest uptick in non-performing loans and an increased allowance driven by economic assumptions. Management provided constructive 2026 guidance and emphasized a disciplined, relationship-focused strategy. Overall, the positives (meaningful NIM expansion, strong returns, loan growth, fee income gains, and capital accretion) materially outweigh the modest credit and deposit headwinds.Company Guidance
Strong Profitability Metrics
Annualized return on average assets above 1.6% and return on average equity approaching 16% for Q4 2025, demonstrating peer-leading profitability and durable returns.
Net Interest Margin Expansion
Net interest margin increased to 4.29% in Q4 (up 77 basis points linked quarter) and marks nine consecutive quarters of NIM expansion (188 basis points expansion since the Q3 2023 low). Full-year 2026 NIM guidance raised to 4.25%–4.35%.
Loan Growth — Commercial Focus
Total loans of $4.9 billion at Dec 31, 2025, up $60.7 million from Sept 30; commercial loans increased $76 million in Q4, representing roughly 9% annualized growth, with new production coupons above 6.5%.
Improved Balance Sheet Mix and Funding
Earning asset base transitioned to >80% loans and deposits represent 93% of total non-equity funding, reflecting successful balance sheet repositioning and reduced reliance on non-core items.
Fee Income and Wealth/Mortgage Strength
Reported noninterest income $11.5 million for the quarter; excluding securities losses, fee income up 7% year-over-year, led by wealth management (+19%) and mortgage fees (+14%).
Capital Generation and Position
Capital ratios improved in Q4 following higher profitability and balance sheet actions; management expects continued accretion of capital through 2026 driven by peer-leading profitability.
Low Credit Losses and Conservative Credit Culture
Net charge-offs were $1.0 million in Q4 (annualized 8 basis points) and $2.9 million for the full year (annualized 6 basis points), consistent with historically low loss rates and conservative underwriting.
Clear 2026 Guidance and Stable Outlook
2026 guidance: mid-single digit loan and deposit growth, non-FTE net interest income growth in the low-teens, fee income in the mid-$40M range, expenses in the mid-$160M range, and an effective tax rate of 18%–20% (assumes two 25 bps cuts).
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 |
|---|---|---|---|
Jan 21, 2026 | $18.24 | $18.63 | +2.14% |
Oct 22, 2025 | $15.81 | $15.45 | -2.26% |
Jul 23, 2025 | $15.62 | $15.15 | -3.02% |
Apr 23, 2025 | $13.77 | $14.40 | +4.58% |
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 Apr 29, 2026, After Close (Confirmed).
What is Horizon Bancorp [In] (HBNC) earnings time?
Horizon Bancorp [In] (HBNC) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 0.48.