Monitor the upcoming Q1 2026 earnings call on April 23 for guidance on the sustainability of the improved net interest margin and loan growth trends.
Price Chart
Executive Summary
Horizon Bancorp reported Q4 2025 earnings on January 21, 2026, with net income of $26.9 million ($0.53 diluted EPS), a significant improvement from a $222.0 million net loss ($4.69) in Q3 2025. This strong beat of $0.53 vs. $0.48 consensus was driven by a 4.29% net interest margin and strong organic commercial loan growth. The company will host an earnings call on April 23 to discuss its Q1 2026 results.
Key Financial Metrics
Key Facts
- Horizon Bancorp reported Q4 2025 net income of $26.9 million, or $0.53 per diluted share.
- This compares to a net loss of $222.0 million, or $(4.69) per share, in Q3 2025.
- The reported EPS of $0.53 beat the consensus estimate of $0.48 by 10.4%.
- The net interest margin expanded to 4.29% on a fully taxable equivalent basis.
- Total loans held for investment increased by 4.4% compared to the prior quarter.
- The company will host a conference call on April 23, 2026, to discuss its Q1 2026 results.
Financial Impact
EPS beat of $0.05, revenue beat of $1.5 million
Risk Factors
- The company's net income for the full year 2025 was a loss of $150.5 million, which may raise concerns about long-term profitability.
- The provision for credit losses increased to $1.6 million in Q4 2025 from a benefit of $3.6 million in Q3 2025.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000706129-26-000036 |
| Document: finalhbnc-2026q1xnotific.htm | 0000706129-26-000036 |
| Document: 0000706129-26-000036-index-headers.html | 0000706129-26-000036 |
| Document: 0000706129-26-000036-index.html | 0000706129-26-000036 |
| Document: 0000706129-26-000036.txt | 0000706129-26-000036 |
| 8-K Data (Synthetic) | 0000706129-26-000036 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 5d ago | 8-K | $19.99 $20.37 | ▲ +1.90% | ▲ +2.42% | $20.37 (+1.90%) |
Oct 21, 2026 5d ago | Press Release | $19.99 $20.37 | ▲ +1.90% | ▲ +2.42% | $20.37 (+1.90%) |
Oct 2, 2026 24d ago | Press Release | $19.48 $19.24 | ▼ −1.23% | ▼ −1.91% | $20.37 (+4.57%) |
Sep 16, 2026 5w ago | 8-K | $19.52 $19.48 | ▼ −0.20% | ▼ −0.09% | $20.37 (+4.35%) |
Jul 22, 2026 13w ago | Press Release | $20.05 $20.06 | ▲ +0.05% | ▼ −0.05% | $20.37 (+1.60%) |
Jun 30, 2026 16w ago | 8-K | $20.48 $19.78 | ▲ +3.42% | ▲ +3.29% | $20.37 (+0.54%) |
Apr 22, 2026 26w ago | 8-K | $17.80 $17.83 | ▼ −0.17% | ▲ +0.62% | $20.37 (−14.44%) |
Apr 22, 2026 26w ago | Press Release | $17.80 $17.83 | ▼ −0.17% | ▲ +0.62% | $20.37 (−14.44%) |
Apr 1, 2026 29w ago | 8-K | $16.76 $16.88 | ▲ +0.72% | ▲ +0.24% | $20.37 (+21.54%) |
Apr 1, 2026 29w ago | Press Release | $16.76 | awaiting T+1 | — | $20.37 (+21.54%) |
US Market Status
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