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Horizon Bancorp, Inc.(HBNC)Earnings, Financials & Key Ratios
HBNC•NASDAQ•Banking & Credit
Price updated Jun 13, 2026
AboutHorizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides a range of commercial and retail banking services. The company offers various deposits. It also provides commercial, residential real estate, mortgage warehouse, and consumer loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; and sells various insurance products. It operates through a network of 78 full-service offices in northern and central Indiana and southern and central Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.Show more
- Net Interest Income$229M+21.7%
- Total Revenue$103M-71.0%
- Net Income-$150M-524.7%
- Return on Equity-20.73%-533.7%
- Net Interest Margin3.57%+47.5%
- Efficiency Ratio163.94%+276.5%
- ROA-2.11%-569.7%
- Equity / Assets10.69%+9.2%
- Book Value per Share13.42-22.5%
- Tangible BV/Share10.26-24.5%
- Debt/Equity0.59-66.6%
HBNC Key Insights
Horizon Bancorp, Inc. (HBNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong NIM of 3.6%
- ✓Well capitalized: 10.7% equity/assets
- ✓Healthy dividend yield of 2.1%
- ✓Trading near 52-week high
- ✓Trading at only 1.5x book value
✗Weaknesses
- ✗High cost structure: 163.9% efficiency ratio
- ✗Shares diluted 16.4% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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HBNC Price & Volume
Horizon Bancorp, Inc. (HBNC) stock price & volume — 10-year historical chart
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HBNC Growth Metrics
Horizon Bancorp, Inc. (HBNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-0.79%
5 Years-16.51%
3 Years-28.14%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-426.7%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-411.76%
Return on Capital
10 Years4.75%
5 Years2.54%
3 Years-0.47%
Last Year-4.72%
HBNC Recent Earnings
Horizon Bancorp, Inc. (HBNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 4/12 qtrs (40%)
Q2 2026Latest
Apr 22, 2026EPS
$0.51
Est $0.48
+6.3%
Revenue
$73M
Est $74M
-0.7%
Q2 2026
Mar 13, 2026EPS
$0.53
Revenue
$101M
Q1 2026
Jan 28, 2026EPS
$0.54
Est $0.50
+7.0%
Revenue
$75M
Est $74M
+0.8%
Q1 2026
Jan 21, 2026EPS
$0.53
Est $0.50
+6.0%
Revenue
$75M
Est $74M
+0.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.51vs $0.48+6.3% | $73Mvs $74M-0.7% |
| Q2 2026 | Mar 13, 2026 | $0.53 | $101M |
| Q1 2026 | Jan 28, 2026 | $0.54vs $0.50+7.0% | $75Mvs $74M+0.8% |
| Q1 2026 | Jan 21, 2026 | $0.53vs $0.50+6.0% | $75Mvs $74M+0.8% |
Based on last 12 quarters of dataView full earnings history →
HBNC Peer Comparison
Horizon Bancorp, Inc. (HBNC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MOFG | 1.02B | 49.31 | -13.93 | -23.13% | 16.66% | 10.02% | 0.21 | |
 FFIN | 4.83B | 33.65 | 19.01 | 11.71% | 30.71% | 14.16% | 0.01 | |
 MBWM | 953.54M | 55.20 | 10.11 | 2.74% | 23.87% | 13.54% | 1.14 | |
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 HFWA | 987.28M | 29.04 | 14.82 | 5.92% | 20.1% | 7.51% | 0.05 | |
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 SBCF | 3.13B | 32.08 | 20.30 | 7.49% | 16.13% | 5.83% | 0.44 | |
 BANR | 2.28B | 67.24 | 11.92 | -0.95% | 23.84% | 10.34% | 0.19 |
Compare HBNC vs Peers
Horizon Bancorp, Inc. (HBNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HBNC Income Statement
Horizon Bancorp, Inc. (HBNC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 112.1M | 134.57M | 160.79M | 165.53M | 175.81M | 199.52M | 175.74M | 188.6M | 229.48M | 239.46M |
NII Growth % | 30.36% | 20.04% | 19.49% | 2.95% | 6.21% | 13.49% | -11.92% | 7.32% | 21.68% | 85.28% |
Net Interest Margin % | 2.83% | 3.17% | 3.07% | 2.81% | 2.37% | 2.53% | 2.21% | 2.42% | 3.57% | 3.65% |
Interest Income | 128.48M | 166.17M | 208.33M | 199.97M | 194.11M | 236.03M | 312.31M | 356.48M | 362.78M | 360.25M |
Interest Expense | 16.38M | 31.6M | 47.54M | 34.44M | 18.3M | 36.52M | 136.56M | 167.88M | 133.29M | 120.8M |
Loan Loss Provision | 2.47M | 2.91M | 1.98M | 20.75M | -2.08M | -1.82M | 2.46M | 5.39M | 266K | -719K |
Non-Interest Income | 28.17M | 28.07M | 34.42M | 54.4M | 52.46M | 42.04M | 7.02M | -1.1M | -259.61M | -264.18M |
Non-Interest Income % | 17.98% | 14.45% | 14.18% | 21.39% | 21.28% | 15.12% | 2.2% | -0.31% | -251.64% | -274.97% |
Total Revenue | 156.65M▲ 0% | 194.24M▲ 24.0% | 242.76M▲ 25.0% | 254.37M▲ 4.8% | 246.57M▼ 3.1% | 278.07M▲ 12.8% | 319.32M▲ 14.8% | 355.38M▲ 11.3% | 103.17M▼ 71.0% | 96.08M▲ 0% |
Revenue Growth % | 14.84% | 24% | 24.98% | 4.78% | -3.07% | 12.78% | 14.83% | 11.29% | -70.97% | -243.19% |
Non-Interest Expense | 89.84M | 96.17M | 113.4M | 120.81M | 127.9M | 137.79M | 141.3M | 154.76M | 169.13M | 171.26M |
Efficiency Ratio | 57.35% | 49.51% | 46.71% | 47.49% | 51.87% | 49.55% | 44.25% | 43.55% | 163.94% | 178.26% |
Operating Income | 47.95M▲ 0% | 63.56M▲ 32.5% | 79.84M▲ 25.6% | 78.37M▼ 1.8% | 102.45M▲ 30.7% | 105.58M▲ 3.1% | 39M▼ 63.1% | 27.35M▼ 29.9% | -199.53M▼ 829.5% | -195.26M▲ 0% |
Operating Margin % | 30.61% | 32.72% | 32.89% | 30.81% | 41.55% | 37.97% | 12.21% | 7.7% | -193.4% | -203.24% |
Operating Income Growth % | 46.59% | 32.55% | 25.62% | -1.84% | 30.72% | 3.06% | -63.06% | -29.87% | -829.52% | - |
Pretax Income | 47.95M▲ 0% | 63.56M▲ 32.5% | 79.84M▲ 25.6% | 78.37M▼ 1.8% | 102.45M▲ 30.7% | 105.58M▲ 3.1% | 39M▼ 63.1% | 27.35M▼ 29.9% | -201.16M▼ 835.5% | -196.89M▲ 0% |
Pretax Margin % | 30.61% | 32.72% | 32.89% | 30.81% | 41.55% | 37.97% | 12.21% | 7.7% | -194.98% | -204.94% |
Income Tax | 14.84M | 10.44M | 13.3M | 9.87M | 15.36M | 12.18M | 11.02M | -8.08M | -50.67M | -48.64M |
Effective Tax Rate % | 30.94% | 16.43% | 16.66% | 12.59% | 14.99% | 11.53% | 28.25% | -29.54% | 25.19% | 24.7% |
Net Income | 33.12M▲ 0% | 53.12M▲ 60.4% | 66.54M▲ 25.3% | 68.5M▲ 2.9% | 87.09M▲ 27.1% | 93.41M▲ 7.3% | 27.98M▼ 70.0% | 35.43M▲ 26.6% | -150.48M▼ 524.7% | -148.26M▲ 0% |
Net Margin % | 21.14% | 27.35% | 27.41% | 26.93% | 35.32% | 33.59% | 8.76% | 9.97% | -145.86% | -154.31% |
Net Income Growth % | 38.5% | 60.39% | 25.27% | 2.95% | 27.14% | 7.25% | -70.04% | 26.62% | -524.75% | -426.7% |
Net Income (Continuing) | 33.12M | 53.12M | 66.54M | 68.5M | 87.09M | 93.41M | 27.98M | 35.43M | -150.48M | -148.26M |
EPS (Diluted) | 0.95▲ 0% | 1.38▲ 45.3% | 1.53▲ 10.9% | 1.55▲ 1.3% | 1.98▲ 27.7% | 2.14▲ 8.1% | 0.64▼ 70.1% | 0.80▲ 25.0% | -3.15▼ 493.8% | -2.89▲ 0% |
EPS Growth % | 20.25% | 45.26% | 10.87% | 1.31% | 27.74% | 8.08% | -70.09% | 25% | -493.75% | -411.76% |
EPS (Basic) | 0.96 | 1.39 | 1.53 | 1.56 | 1.99 | 2.14 | 0.64 | 0.81 | -3.14 | - |
Diluted Shares Outstanding | 34.76M | 38.49M | 43.6M | 44.12M | 43.95M | 43.7M | 43.84M | 44.06M | 51.28M | 51.24M |
HBNC Balance Sheet
Horizon Bancorp, Inc. (HBNC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 586.11M | 674.58M | 948.37M | 1.39B | 1.76B | 1.12B | 1.08B | 527.84M | 70.7M | 1.85B |
Cash & Due from Banks | 76.44M | 74.24M | 107.29M | 258.68M | 598.29M | 126.32M | 526.51M | 294.17M | 66.81M | 68.01M |
Short Term Investments | 509.67M | 600.35M | 841.08M | 1.13B | 1.16B | 997.56M | 547.25M | 233.68M | 3.88M | 581.15M |
Total Investments | 3.53B | 3.81B | 4.67B | 5.13B | 6.33B | 7.13B | 6.86B | 6.96B | 5.83B | 581.15M |
Investments Growth % | 27.87% | 7.79% | 22.56% | 9.87% | 23.48% | 12.69% | -3.81% | 1.49% | -16.22% | -132.1% |
Long-Term Investments | 3.02B | 3.21B | 3.83B | 3.99B | 5.17B | 6.14B | 6.31B | 6.73B | 5.83B | 23.9B |
Accounts Receivables | 13.06M | 14.24M | 18.83M | 21.4M | 26.14M | 35.29M | 38.71M | 39.75M | 29.73M | 0 |
Goodwill & Intangibles | 132.28M | 130.27M | 177.92M | 174.19M | 175.51M | 172.45M | 168.84M | 165.43M | 162.39M | 161.72M |
Goodwill | 119.88M | 119.88M | 151.24M | 151.24M | 154.57M | 155.21M | 155.21M | 155.21M | 155.21M | 155.21M |
Intangible Assets | 12.4M | 10.39M | 26.68M | 22.95M | 20.94M | 17.24M | 13.63M | 10.22M | 7.18M | 6.5M |
PP&E (Net) | 75.53M | 74.33M | 92.21M | 92.42M | 93.44M | 92.68M | 94.58M | 93.86M | 92.81M | 0 |
Other Assets | 135M | 146.6M | 184.65M | 213.34M | 188.43M | 312.13M | 247.94M | 243.91M | -5.83B | 342.38M |
Total Current Assets | 599.16M | 688.82M | 967.19M | 1.41B | 1.79B | 1.16B | 1.11B | 567.59M | 100.43M | 649.15M |
Total Non-Current Assets | 3.37B | 3.56B | 4.29B | 4.47B | 5.63B | 6.71B | 6.83B | 7.23B | 255.2M | 6.47B |
Total Assets | 3.96B▲ 0% | 4.25B▲ 7.1% | 5.24B▲ 23.5% | 5.89B▲ 12.2% | 7.41B▲ 25.9% | 7.87B▲ 6.2% | 7.94B▲ 0.9% | 7.8B▼ 1.8% | 6.44B▼ 17.5% | 6.56B▲ 0% |
Asset Growth % | 26.21% | 7.12% | 23.49% | 12.25% | 25.91% | 6.21% | 0.86% | -1.75% | -17.49% | -50.03% |
Return on Assets (ROA) | 0.93% | 1.29% | 1.4% | 1.23% | 1.31% | 1.22% | 0.35% | 0.45% | -2.11% | -2.17% |
Accounts Payable | 886K | 2.03M | 3.06M | 2.71M | 2.23M | 5.38M | 22.25M | 11.14M | 0 | 0 |
Total Debt | 601.81M | 588.22M | 606.05M | 590.15M | 828.27M | 1.01B | 1.04B | 1.35B | 404.49M | 381.83M |
Net Debt | 525.37M | 513.99M | 498.77M | 331.48M | 229.98M | 888.55M | 507.35M | 1.05B | 337.68M | 313.82M |
Long-Term Debt | 386.46M | 394.42M | 447.11M | 480.69M | 697.48M | 742.25M | 899.82M | 1.26B | 316.02M | 315.83M |
Short-Term Debt | 216.85M | 193.81M | 158.94M | 109.46M | 130.8M | 272.62M | 136.03M | 89.91M | 88.47M | 66M |
Other Liabilities | 22.03M | 25.07M | 50.69M | 70.4M | 55.18M | 317.12M | 498.68M | 80.31M | 5.34B | 4.65B |
Total Current Liabilities | 3.1B | 3.34B | 4.09B | 4.64B | 5.94B | 6.14B | 5.82B | 5.7B | 88.47M | 66M |
Total Non-Current Liabilities | 408.49M | 419.48M | 497.8M | 551.09M | 752.66M | 1.06B | 1.4B | 1.34B | 5.66B | 4.65B |
Total Liabilities | 3.51B | 3.75B | 4.59B | 5.19B | 6.69B | 7.2B | 7.22B | 7.04B | 5.75B | 5.87B |
Total Equity | 457.08M▲ 0% | 491.99M▲ 7.6% | 656.02M▲ 33.3% | 692.22M▲ 5.5% | 723.21M▲ 4.5% | 677.38M▼ 6.3% | 718.81M▲ 6.1% | 763.58M▲ 6.2% | 688.25M▼ 9.9% | 1.89B▲ 0% |
Equity Growth % | 34.1% | 7.64% | 33.34% | 5.52% | 4.48% | -6.34% | 6.12% | 6.23% | -9.87% | 129.41% |
Equity / Assets (Capital Ratio) | 11.53% | 11.59% | 12.51% | 11.76% | 9.76% | 8.6% | 9.05% | 9.79% | 10.69% | 28.72% |
Return on Equity (ROE) | 8.3% | 11.19% | 11.59% | 10.16% | 12.31% | 13.34% | 4.01% | 4.78% | -20.73% | -14.73% |
Book Value per Share | 13.15 | 12.78 | 15.05 | 15.69 | 16.45 | 15.50 | 16.39 | 17.33 | 13.42 | 36.79 |
Tangible BV per Share | 9.34 | 9.40 | 10.97 | 11.74 | 12.46 | 11.55 | 12.54 | 13.57 | 10.26 | 33.63 |
Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Additional Paid-in Capital | 275.06M | 276.1M | 379.85M | 362.94M | 352.12M | 354.19M | 356.4M | 363.76M | 459.24M | 459.8M |
Retained Earnings | 185.57M | 224.03M | 269.74M | 301.42M | 363.74M | 429.38M | 429.02M | 436.12M | 255M | 272.94M |
Accumulated OCI | -3.55M | -8.14M | 6.43M | 27.85M | 7.34M | -106.2M | -66.61M | -36.3M | -26M | -33.71M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HBNC Cash Flow Statement
Horizon Bancorp, Inc. (HBNC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 49.06M | 72.29M | 174.37M | 78.77M | 106.35M | 94.38M | 88.94M | 6.37M | 45.66M | 69.62M |
Operating CF Growth % | 92.05% | 47.33% | 141.23% | -54.83% | 35.02% | -11.26% | -5.77% | -92.84% | 616.99% | 37.36% |
Net Income | 33.12M | 53.12M | 66.54M | 68.5M | 87.09M | 93.41M | 27.98M | 35.43M | -177.4M | -148.26M |
Depreciation & Amortization | 5.94M | 6.81M | 9.69M | 12.33M | 13.88M | 13.1M | 11.97M | 12.3M | 11.2M | 8.22M |
Deferred Taxes | 0 | 0 | 0 | -9.42M | 2.31M | 2.18M | -3.32M | -17M | 0 | 0 |
Other Non-Cash Items | 11.73M | 6.96M | 700K | 12.55M | -716K | 8.01M | 43.74M | -17.2M | 293.38M | 246.94M |
Working Capital Changes | -2.04M | 5.14M | 97.23M | -6.44M | 1.97M | -24.79M | 4.98M | -11.75M | -82.68M | 15.11M |
Cash from Investing | -278.92M | -303.76M | -94.14M | -478.46M | -344.85M | -1.02B | 329.52M | -52.78M | 1.03B | 1.82B |
Purchase of Investments | -181.17M | -243.08M | -425.88M | -590.3M | -1.77B | -610.65M | -11.67M | -312K | -583.46M | -583.46M |
Sale/Maturity of Investments | 98.96M | 131.68M | 256.81M | 356.43M | 318.26M | 142.08M | 548.89M | 381.5M | 1.51B | 2.37B |
Net Investment Activity | -82.21M | -111.4M | -169.07M | -233.88M | -1.45B | -468.57M | 537.23M | 381.19M | 922.48M | 1.78B |
Acquisitions | 44.21M | 0 | 128.75M | 0 | 622.18M | 0 | 0 | 0 | 0 | 0 |
Other Investing | -238.18M | -188.93M | -49.2M | -238.71M | 484.86M | -544.93M | -199.94M | -428.88M | 107.28M | 37.8M |
Cash from Financing | 236.42M | 229.99M | -39.89M | 550.48M | 582.3M | 455.55M | -15.44M | -186.68M | -906.59M | -1.03B |
Dividends Paid | -11.72M | -15.42M | -20.84M | -21.18M | -24.77M | -27.77M | -28.31M | -28.33M | -21.29M | -22.37M |
Share Repurchases | 0 | 0 | 0 | -19.64M | -7.61M | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 1.6M | 622K | 1.71M | 1.23M | 0 | 0 | 0 | -1.37M | -4.14M | -391K |
Net Stock Activity | 1.6M | 622K | 1.71M | -18.4M | -7.61M | 0 | 0 | -1.37M | -4.14M | -391K |
Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | -13.36M | 258.37M | 50.28M | 619.92M | 446.49M | 60.18M | -195.94M | -106.21M | 15.25M | -391.8M |
Net Change in Cash | 6.56M▲ 0% | -1.49M▼ 122.7% | 40.34M▲ 2811.0% | 150.88M▲ 274.0% | 343.8M▲ 127.9% | -470M▼ 236.7% | 403.01M▲ 185.7% | -233.08M▼ 157.8% | 164.82M▲ 170.7% | -30.21M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 53.42M | 59.98M | 58.49M | 98.83M | 249.71M | 593.51M | 123.5M | 526.51M | 293.43M | 0 |
Cash at End | 59.98M | 58.49M | 98.83M | 249.71M | 593.51M | 123.5M | 526.51M | 293.43M | 458.25M | 0 |
Interest Paid | 15.97M | 30.45M | 46.51M | 34.79M | 18.78M | 33.37M | 119.69M | 178.89M | 106.22M | 94.93M |
Income Taxes Paid | 10.35M | 6.82M | 13.22M | 10.59M | 1.65M | 802K | 2.14M | 10.71M | 20.35M | 27.05M |
Free Cash Flow | 46.38M▲ 0% | 68.85M▲ 48.5% | 169.76M▲ 146.6% | 72.9M▼ 57.1% | 104.91M▲ 43.9% | 87.95M▼ 16.2% | 81.16M▼ 7.7% | 1.28M▼ 98.4% | 41.65M▲ 3143.4% | 65.79M▲ 0% |
FCF Growth % | 91.91% | 48.47% | 146.56% | -57.06% | 43.91% | -16.17% | -7.72% | -98.42% | 3143.38% | 555.78% |
HBNC Banking Ratios
Horizon Bancorp, Inc. (HBNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.3% | 11.19% | 11.59% | 10.16% | 12.31% | 13.34% | 4.01% | 4.78% | -20.73% | -14.73% |
| Return on Assets (ROA) | 0.93% | 1.29% | 1.4% | 1.23% | 1.31% | 1.22% | 0.35% | 0.45% | -2.11% | -2.17% |
| Net Interest Margin | 2.83% | 3.17% | 3.07% | 2.81% | 2.37% | 2.53% | 2.21% | 2.42% | 3.57% | 3.65% |
| Efficiency Ratio | 57.35% | 49.51% | 46.71% | 47.49% | 51.87% | 49.55% | 44.25% | 43.55% | 163.94% | 178.26% |
| Equity / Assets | 11.53% | 11.59% | 12.51% | 11.76% | 9.76% | 8.6% | 9.05% | 9.79% | 10.69% | 28.72% |
| Book Value / Share | 13.15 | 12.78 | 15.05 | 15.69 | 16.45 | 15.5 | 16.39 | 17.33 | 13.42 | 36.79 |
| NII Growth | 30.36% | 20.04% | 19.49% | 2.95% | 6.21% | 13.49% | -11.92% | 7.32% | 21.68% | 21.19% |
| Dividend Payout | 35.39% | 29.03% | 31.31% | 30.92% | 28.44% | 29.72% | 101.18% | 79.96% | - | -15.09% |
Related:HBNC Dividend History·HBNC Revenue History·HBNC Price History·HBNC P/E History·HBNC Financial Ratios·HBNC Institutional Holders
HBNC SEC Filings & Documents
Horizon Bancorp, Inc. (HBNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
HBNC Frequently Asked Questions
Horizon Bancorp, Inc. (HBNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Horizon Bancorp, Inc. (HBNC) saw revenue decline by 71.0% over the past year.
Horizon Bancorp, Inc. (HBNC) reported a net loss of $148.3M for fiscal year 2025.
Dividend & Returns
Yes, Horizon Bancorp, Inc. (HBNC) pays a dividend with a yield of 2.10%. This makes it attractive for income-focused investors.
Horizon Bancorp, Inc. (HBNC) has a return on equity (ROE) of -20.7%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Horizon Bancorp, Inc. (HBNC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
Horizon Bancorp, Inc. (HBNC) has an efficiency ratio of 163.9%. This is higher than peers, suggesting room for cost optimization.