Horizon Bancorp, Inc. (HBNC) Earnings History
Net Loss31 years of earnings data (1995–2025) · Currently unprofitable on a TTM basis
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Horizon Bancorp, Inc. (HBNC) Earnings Overview
As of June 13, 2026, Horizon Bancorp, Inc. (HBNC) reported trailing twelve-month net income of -$148M, reflecting -493.8% year-over-year growth. The company earned $-2.89 per diluted share over the past four quarters, with a net profit margin of -145.9%.
Looking at the long-term picture, HBNC's historical earnings data spans multiple years. The company achieved its highest annual net income of $93M in fiscal 2022.
Horizon Bancorp, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including MOFG ($58M net income, -29.3% margin), FFIN ($254M net income, 30.7% margin), MBWM ($89M net income, 23.9% margin), HBNC has room to improve margins relative to the peer group. Compare HBNC vs MOFG →
HBNC Earnings vs Peers
Earnings metrics vs comparable public companies
HBNC Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$150M | -524.7% | -$200M | $-3.15 | -145.9% | -193.4% |
| 2024 | $35M | +26.6% | $27M | $0.80 | 10.0% | 7.7% |
| 2023 | $28M | -70.0% | $39M | $0.64 | 8.8% | 12.2% |
| 2022 | $93M | +7.3% | $106M | $2.14 | 33.6% | 38.0% |
| 2021 | $87M | +27.1% | $102M | $1.98 | 35.3% | 41.5% |
| 2020 | $68M | +2.9% | $78M | $1.55 | 26.9% | 30.8% |
| 2019 | $67M | +25.3% | $80M | $1.53 | 27.4% | 32.9% |
| 2018 | $53M | +60.4% | $64M | $1.38 | 27.3% | 32.7% |
| 2017 | $33M | +38.5% | $48M | $0.95 | 21.1% | 30.6% |
| 2016 | $24M | +16.4% | $33M | $0.79 | 17.5% | 24.0% |
| 2015 | $21M | +13.5% | $28M | $0.84 | 18.4% | 24.9% |
| 2014 | $18M | -8.9% | $24M | $0.84 | 18.5% | 24.8% |
| 2013 | $20M | +1.7% | $27M | $0.96 | 20.7% | 28.0% |
| 2012 | $20M | +52.7% | $28M | $1.02 | 20.4% | 29.3% |
| 2011 | $13M | +22.4% | $17M | $0.67 | 15.8% | 21.0% |
| 2010 | $10M | +14.4% | $13M | $0.54 | 12.3% | 15.7% |
| 2009 | $9M | +1.9% | $11M | $0.47 | 10.1% | 12.4% |
| 2008 | $9M | +10.2% | $11M | $0.54 | 10.7% | 12.9% |
| 2007 | $8M | +8.8% | $11M | $0.50 | 9.3% | 12.4% |
| 2006 | $7M | +5.5% | $10M | $0.46 | 9.5% | 13.1% |
| 2005 | $7M | +2.2% | $10M | $0.44 | 10.6% | 15.1% |
| 2004 | $7M | +6.1% | $9M | $0.44 | 12.9% | 17.6% |
| 2003 | $7M | +14.8% | $9M | $0.41 | 12.4% | 17.4% |
| 2002 | $6M | +38.0% | $8M | $0.24 | 11.0% | 16.3% |
| 2001 | $4M | +9.0% | $7M | $0.27 | 8.2% | 13.4% |
| 2000 | $4M | +1168.6% | $6M | $0.24 | 7.8% | 11.5% |
| 1999 | $-354,000 | -132.7% | $484,000 | $-0.02 | -1.6% | 2.1% |
| 1998 | $1M | -37.1% | $2M | $0.07 | 5.5% | 8.8% |
| 1997 | $2M | -55.0% | $2M | $0.11 | 8.9% | 12.0% |
| 1996 | $4M | +25.8% | $5M | $0.23 | 21.7% | 30.8% |
| 1995 | $3M | - | $3M | $0.18 | 20.1% | 21.2% |
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Compare NowHBNC — Frequently Asked Questions
Quick answers to the most common questions about buying HBNC stock.
What is HBNC earnings per share (EPS)?
HBNC trailing twelve-month (TTM) diluted EPS is $-2.89, reflecting -493.8% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Horizon Bancorp, Inc.'s net income?
Horizon Bancorp, Inc. (HBNC) trailing twelve-month net income is $-148M as of 2025. Earnings declined -493.8% year-over-year.
Is HBNC profitable?
HBNC is not currently profitable on a TTM basis, reporting a net loss of $-148M. Net margin is -145.9%. Investors should monitor for a return to profitability.
What is HBNC's earnings growth rate?
HBNC compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are HBNC's profit margins?
Horizon Bancorp, Inc. net profit margin is -145.9%, operating margin is -193.4%, and gross margin is -29.5%. Below-average margins reflect competitive or cost pressures. Return on Equity is -20.7%.
Is HBNC growing earnings?
HBNC earnings are declining — EPS fell -493.8% year-over-year. TTM net income dropped to $-148M. This contrasts with the 5-year CAGR of N/A.
What was HBNC's best earnings year?
Horizon Bancorp, Inc.'s highest annual net income on record is $93M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were HBNC's earnings last quarter?
HBNC's most recent reported quarter was Q1 2026. Net income was $26M with diluted EPS of $0.51. For a full breakdown of all quarters, see the quarterly earnings table on this page.