Horizon Bancorp [In] (HBNC)

NASDAQ:HBNC

HBNC

Horizon Bancorp

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Horizon Bancorp (HBNC) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 29, 2026

After Close (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.51

Last Year’s EPS

0.47

Same Quarter Last Year

Analyst Consensus

Moderate Buy

Based on 3 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 22, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed a predominantly positive tone: strong profitability (ROA and ROTCE), improved capital (CET1 +40 bps), exceptional deposit gathering, disciplined loan growth with supportive credit metrics, and reiterated 2026 guidance. The few negatives — tactical mortgage/consumer pullback, a small NIM drag from elevated cash, modestly higher nonperforming loans, and expected near-term expense/deposit-cost pressures — are relatively limited and described as manageable. Overall the company's messaging emphasized durable franchise strength, capital optionality and confidence in executing the 2026 plan.

Company Guidance

Guidance for 2026 was reaffirmed and calls for mid‑single‑digit period‑end loan and deposit growth (dollars: deposits modestly outpacing loans), non‑FTE net interest income up in the low‑teens YoY, FTE net interest margin targeted at 4.25%–4.35%, average earning assets modestly above $6.0 billion, fee income in the mid‑$40 million range, full‑year expenses in the mid‑$160 million range, and an effective tax rate of 18%–20%; management expects continued rapid capital accretion after Q1 CET1 of 10.82% and total risk‑based capital of 14.77%. For context, Q1 metrics include NIM 4.29%, annualized ROA >1.60%, ROTCE >19%, deposits +$147M (≈11% annualized) including ~$61M noninterest‑bearing, loans held for investment $4.87B with commercial loans +$34.2M, new loan production yield ~6.6% (average loan yield 6.28%; roll‑off just under 6% with ~$150M/qtr coming off at ~6.1%), allowance for credit losses $51.3M (1.05% of loans), nonperforming loans $37M (0.76%), net charge‑offs $0.626M (5 bps annualized), provision $0.391M, investment portfolio principal cash flows expected $75M–$100M at ~4.7% (Q1 reinvestment ~4.8%), average interest‑earning cash ran ~3% of earning assets (expected 2%–3% for the year) which reduced NIM by ~4 bps while deposit beta helped lower interest‑bearing cost ~7 bps in the quarter.

Strong Profitability Metrics

Annualized return on average assets above 1.60% and return on average tangible common equity above 19%, indicating durable, peer-leading profitability.

Stable Net Interest Margin

Net interest margin (NIM) remained unchanged QoQ at 4.29%, with guidance for full-year FTE NIM of 4.25%–4.35% maintained despite removal of assumed rate cuts.

Capital Accretion and Strength

CET1 ratio improved 40 basis points to 10.82% in the quarter and total risk-based capital rose to 14.77%, driven by strong profitability and modest decline in risk-weighted assets.

Exceptional Deposit Gathering

Quarterly deposit growth of approximately $147 million (about 11% annualized), including ~$61 million growth in noninterest-bearing deposits, improving funding stability and liquidity.

Commercial Loan Growth and Balanced Origination

Total loans held for investment ended at $4.87 billion with $34.2 million quarter-over-quarter commercial loan growth; 37% of the net quarterly increase was C&I loans (versus 30% share of commercial portfolio), demonstrating diversification.

Healthy Credit Metrics

Nonperforming loans of $37.0 million (0.76% of total loans) and substandard loans of $63.4 million (1.3% of loans), with net charge-offs of $626,000 (5 basis points annualized) and allowance for credit losses of $51.3 million (1.05% of loans).

Fee Income Momentum

Core fee income (excluding a $7 million warehouse gain and prior-year modest securities losses) rose ~13% year-over-year, powered by service charges, interchange and fiduciary activities; fee income guidance remains in the mid-$40 million range for the year.

Disciplined Expense Management and Unchanged Guidance

Q1 noninterest expense was $40.7 million (in line with expectations); full-year expense guidance remains in the mid-$160 million range and other 2026 guidance (loan/deposit mid-single-digit growth, average earning assets >$6B, effective tax rate 18%–20%) was reiterated.

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
Jul 29, 2026	2026 (Q2)	0.51 / -	0.47	―	―	―
Apr 22, 2026	2026 (Q1)	0.48 / 0.51	0.43	18.60% (+0.08)
Jan 21, 2026	2025 (Q4)	0.50 / 0.53	0.39	35.90% (+0.14)
Oct 22, 2025	2025 (Q3)	0.47 / 0.60	0.41	46.34% (+0.19)
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)

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
Apr 22, 2026	$17.55	$17.80	+1.42%
Jan 21, 2026	$18.07	$18.45	+2.14%
Oct 22, 2025	$15.66	$15.30	-2.25%
Jul 23, 2025	$15.47	$15.01	-3.01%

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 Jul 29, 2026, After Close (Confirmed).

What is Horizon Bancorp [In] (HBNC) earnings time?

Horizon Bancorp [In] (HBNC) earnings time is at Jul 29, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

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What companies are reporting earnings today?

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What is HBNC EPS forecast?

HBNC EPS forecast for the fiscal quarter 2026 (Q2) is 0.51.