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    Horizon Bancorp (HBNC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $19.42
    -0.14 (-0.72%)

    Market Cap: $1.00B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    65%(26/40)
    Avg Surprise
    +10.87%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.54
    Range$0.53 - $0.55
    5 analysts
    EPS Revisions
    2
    0
    7d
    2
    1
    30d
    EPS Estimate Drift
    90d ago$0.53-0.4%
    60d ago$0.53-0.4%
    30d ago$0.53-0.4%
    7d ago$0.53-1.1%
    Current$0.54
    Revenue Consensus
    $78M
    Range$78M - $78M
    4 analysts
    Dec 31, 2026
    EPS Consensus$0.60
    Range$0.57 - $0.62
    5 analysts
    Revenue Consensus
    $79M
    Range$78M - $80M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.60---
    Sep 26EST
    		-$0.54---
    Jun 26
    		$0.49$0.51-3.92%Miss+4.3%
    Mar 26
    		$0.51$0.48+6.25%Beat-5.6%
    Dec 25
    		$0.52$0.50+4.00%Beat-20.0%
    Sep 25
    		$1.63$0.48+239.58%Beat+297.6%
    Jun 25
    		$0.47$0.44+6.82%Beat+46.9%
    Mar 25
    		$0.54$0.43+25.58%Beat+68.8%
    Dec 24
    		$0.65$0.37+75.68%Beat+97.0%
    Sep 24
    		$0.41$0.37+10.81%Beat+10.8%
    Jun 24
    		$0.32$0.31+3.23%Beat-22.0%
    Mar 24
    		$0.32$0.31+3.23%Beat-25.6%
    Dec 23
    		$0.33$0.31+6.45%Beat-31.2%
    Sep 23
    		$0.37$0.36+2.78%Beat-32.7%
    Jun 23
    		$0.41$0.38+7.89%Beat-26.8%
    Mar 23
    		$0.43$0.41+4.88%Beat-20.4%
    Dec 22
    		$0.48$0.51-5.88%Miss-11.1%
    Sep 22
    		$0.55$0.60-8.33%Miss+5.8%
    Jun 22
    		$0.56$0.53+5.66%Beat+12.0%
    Mar 22
    		$0.54$0.47+14.89%Beat+22.7%
    Dec 21
    		$0.54$0.53+1.89%Beat+3.8%
    Sep 21
    		$0.52$0.47+10.64%Beat+15.6%
    Jun 21
    		$0.50$0.44+13.64%Beat+56.3%
    Mar 21
    		$0.44$0.41+7.32%Beat+83.3%
    Dec 20
    		$0.52$0.40+30.00%Beat+26.8%
    Sep 20
    		$0.45$0.36+25.00%Beat+0.0%
    Jun 20
    		$0.32$0.22+45.45%Beat-17.9%
    Mar 20
    		$0.24$0.30-20.00%Miss-29.4%
    Dec 19
    		$0.41$0.42-2.38%Miss+24.2%
    Sep 19
    		$0.45$0.42+7.14%Beat+32.4%
    Jun 19
    		$0.39$0.38+2.63%Beat+18.2%
    Mar 19
    		$0.34$0.33+3.03%Beat+17.2%
    Dec 18
    		$0.33$0.37-10.81%Miss+22.2%
    Sep 18
    		$0.34$0.38-10.53%Miss+25.9%
    Jun 18
    		$0.33$0.35-5.71%Miss+26.9%
    Mar 18
    		$0.29$0.32-9.38%Miss+26.1%
    Dec 17
    		$0.27$0.29-6.90%Miss+8.0%
    Sep 17
    		$0.27$0.30-10.00%Miss+3.8%
    Jun 17
    		$0.26$0.29-10.34%Miss-
    Mar 17
    		$0.23$0.27-14.81%Miss-
    Dec 16
    		$0.25$0.28-10.71%Miss-
    Sep 16
    		$0.26$0.26+0.00%Beat-

    Dividends

    Dividend Metrics

    Yield3.30%
    Annual/Share$0.64
    Payout Ratio92.68%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+1.06%
    5Y CAGR+5.92%
    View HBNC's full dividend history

    Key Metrics

    Valuation
    P/E Ratio6.17EV/EBITDAN/A
    Price/FCF10.39xFCF Yield9.62%
    Profitability
    Profit Margin0.00%Operating Margin43.50%
    ROE-19.00%ROIC1.56%
    Financial Health
    Debt/Equity0.83xInterest Coverage0.16x
    Current Ratio0.21xQuick Ratio0.21x
    Trading Statistics
    Beta0.81Avg Volume471.96K
    52-Week High$21.0452-Week Low$14.57

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$19.64
    SMA 20$20.07
    SMA 50$20.04
    SMA 200$17.96
    EMA 10$19.69
    EMA 20$19.89
    EMA 50$19.78
    EMA 200$18.20

    MACD

    Line: -0.18Signal: -0.08Hist: -0.10

    ADX

    ADX: 20.6+DI: 14.2-DI: 29.1

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down92.0
    PSAR$20.40

    Bollinger Bands

    Upper Band$21.03
    Lower Band$19.11
    %B Position955%(Upper)
    Band Width0.16

    RSI (14-Day)

    Neutral
    36.6

    Momentum Oscillators

    Stoch %K20.1
    Stoch %D17.7
    Williams %R-85.3
    ROC (10d)-4.6%
    Momentum-0.94
    CCI (20d)-96.4
    MFI (14d)39.8

    Volatility Measures

    ATR (14d)$0.36(1.8%)
    StdDev (20d)0.48
    Hist Vol13.9%(Low)

    Volume Flow

    VWAP$19.45
    OBV5.2M
    AD Line-229.7M
    CMF (20d)-0.221

    Volume Metrics

    Avg Vol (20d)470.8K
    Vol Ratio0.9x
    VWMA (20d)$20.09

    Pivot Points

    R3$19.81
    R2$19.75
    R1$19.66
    Pivot Point$19.59
    S1$19.50
    S2$19.44
    S3$19.34

    Advanced Oscillators

    TSI-15.61
    Ultimate Osc45.1
    KST-23.56

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$100.52M$97.89M$100.75M$-203,735,000$101.17M$104.98M$63.11M$101.36M$96.43M$94.47M$61.72M$90.83M
    Cost of Revenue$25.93M$24.80M$25.81M$30.88M$38.58M$38.28M$41.39M$45.02M$44.07M$42.78M$42.53M$38.30M
    Gross Profit$74.59M$73.09M$74.94M$-234,613,000$62.58M$66.70M$21.72M$56.34M$52.36M$51.69M$19.19M$52.54M
    Operating Expenses$43.84M$40.75M$40.62M$51.72M$38.19M$38.62M$43.65M$38.24M$36.48M$36.39M$37.98M$35.05M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$27.89M$27.38M$36.73M$24.04M$23.95M$23.70M$26.76M$23.03M$21.90M$21.59M$23.08M$21.36M
    Operating Income$30.74M$32.34M$34.32M$-286,328,000$24.39M$28.08M$-21,933,000$18.11M$15.87M$15.30M$-18,796,000$17.49M
    Interest Income$88.51M$86.65M$89.29M$92.84M$91.48M$89.17M$93.35M$90.89M$86.98M$85.26M$83.51M$80.13M
    Interest Expense$25.02M$24.41M$25.81M$34.45M$36.12M$36.91M$40.22M$43.98M$41.70M$41.98M$41.26M$38.03M
    Income Before Tax$30.74M$32.34M$32.69M$-286,328,000$24.39M$28.08M$-21,933,000$18.11M$15.87M$15.30M$-18,796,000$17.49M
    Income Tax Expense$5.84M$6.18M$5.77M$-64,338,000$3.75M$4.14M$-11,051,000$-75,000$1.73M$1.31M$6.42M$1.28M
    Net Income$24.91M$26.17M$26.92M$-221,990,000$20.64M$23.94M$-10,882,000$18.18M$14.14M$13.99M$-25,215,000$16.20M
    EBITDA$30.74M$35.80M$35.03M$-281,047,000$27.33M$31.07M$-18,750,000$21.11M$18.86M$18.43M$-15,578,000$20.43M
    EBITN/A$32.34M$34.32M$-286,328,000$24.40M$28.08M$-21,933,000$18.11M$15.87M$15.30M$-18,796,000$17.49M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Horizon Bancorp, Inc. Revenue Breakdown – NASDAQ:HBNC

    Horizon Bancorp, Inc. (NASDAQ: HBNC) generated $278.72 million USD in revenue last year. Its top-performing segment, Commercial Banking, contributed -$26.97 million USD, which was also the amount contributed by the United States region. The company's financial performance in the previous year was $191.57 million USD.

    TradingView•8/20/26•
    Neutral

    Horizon Bancorp appoints two independent directors to board

    Horizon Bancorp (NASDAQ:HBNC) has appointed Nicholas J. Ritter and Charles W. Sulerzyski as independent directors to its board and the board of Horizon Bank. Ritter brings expertise in information security from his previous role as Executive Vice President and Chief Information Security Officer at WorldPay, while Sulerzyski has extensive banking leadership experience, having served as President and CEO of Peoples Bancorp, Inc. These appointments aim to strengthen the company's governance and expertise in risk management, cyber security, and wealth committees.

    Investing.com•8/19/26•
    Bullish

    Horizon Bancorp appoints two independent directors to board By Investing.com

    Horizon Bancorp, Inc. (NASDAQ:HBNC) has announced the appointment of Nicholas J. Ritter and Charles W. Sulerzyski as independent directors to its board and the board of its subsidiary, Horizon Bank. Ritter, with a background in information security from WorldPay and First Financial Bank, will serve on the Enterprise Risk Management and Operations and Cyber Security Committees. Sulerzyski, former President and CEO of Peoples Bancorp, will join the Enterprise Risk Management and Wealth Committees, bringing extensive experience in banking and asset growth.

    Investing.com South Africa•8/19/26•
    Bullish

    Horizon Bancorp adds a director who grew a bank from $1.7B to $9.2B

    Horizon Bancorp (NASDAQ: HBNC) has appointed Nicholas J. Ritter and Charles W. Sulerzyski as independent directors to its boards, effective August 18, 2026. Ritter, a former cybersecurity executive, will join the Enterprise Risk Management and Operations and Cyber Security Committees. Sulerzyski, who previously grew Peoples Bank from $1.7 billion to $9.2 billion in assets as President and CEO, will serve on the Enterprise Risk Management and Wealth Committees.

    Stock Titan•8/18/26•
    Somewhat-Bullish

    Horizon Bank Appoints Nicholas Ritter and Charles Sulerzyski to Serve as Independent Directors

    Horizon Bancorp, Inc. has announced the appointment of Nicholas J. Ritter and Charles W. Sulerzyski as independent directors to its Board and the Board of its subsidiary, Horizon Bank. Ritter, a former Chief Information Security Officer of WorldPay, and Sulerzyski, a former President and CEO of Peoples Bancorp, Inc., bring extensive experience in financial leadership, risk management, and cybersecurity. Their appointments aim to support Horizon's growth and enhance value for shareholders and communities.

    Yahoo Finance Singapore•8/18/26•
    Bullish

    Frequently Asked Questions About HBNC

    What is HBNC's current dividend yield?
    Horizon Bancorp (HBNC) has a current dividend yield of 3.30%.
    Does HBNC pay dividends?
    Yes, Horizon Bancorp pays dividends with a current yield of 3.30%.
    What is HBNC's P/E ratio?
    Horizon Bancorp has a price-to-earnings (P/E) ratio of 6.17.
    What is HBNC's market cap?
    Horizon Bancorp (HBNC) has a market capitalization of $1.00B with a current stock price of $19.42.

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