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Horizon Bancorp [In] (HBNC)
NASDAQ:HBNC
Earnings Data
Report Date
Jan 28, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.5Last Year’s EPS
0.39Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Horizon Bancorp, Inc. presented a strong third quarter performance, with successful execution of strategic initiatives leading to significant margin expansion, improved credit quality, and strong commercial loan growth. Despite some nonrecurring expenses and the runoff of the indirect auto loan portfolio, the company is well-positioned for future growth and capital generation. The balance sheet restructuring has set a robust foundation for 2026, with potential for strategic M&A activities.Company Guidance
Successful Balance Sheet Restructuring
The balance sheet restructuring exceeded initial expectations, achieving top-tier financial outcomes. This includes the reduction of risk, improvement in liquidity, and interest rate risk management.
Net Interest Margin Expansion
The net interest margin expanded for the eighth consecutive quarter, reaching over 4% in September, and is expected to range between 4.15% to 4.25% in Q4.
Strong Commercial Loan Growth
Net commercial loans grew by $58 million, representing a 7% annualized growth, driven by the commercial banking teams.
Improved Credit Quality
Credit quality remains excellent with net charge-offs at $800,000 this quarter, representing 7 basis points on an annualized basis.
Capital Generation and Strategic Flexibility
The company expects to generate peer-leading capital metrics, enabling strategic opportunities such as M&A, fee income platforms, and market expansion.
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 |
|---|---|---|---|
Oct 22, 2025 | $15.96 | $15.60 | -2.26% |
Jul 23, 2025 | $15.77 | $15.30 | -2.98% |
Apr 23, 2025 | $13.90 | $14.54 | +4.60% |
Jan 22, 2025 | $15.21 | $15.92 | +4.67% |
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 Jan 28, 2026, After Close (Confirmed).
What is Horizon Bancorp [In] (HBNC) earnings time?
Horizon Bancorp [In] (HBNC) earnings time is at Jan 28, 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 2025 (Q4) is 0.5.