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Horizon Bancorp

(NASDAQ) HBNC

Current Price$20.30
Market Cap$1.04BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+8,458%
5 Year+52%
1 Year+33%
1 Month+6%
Horizon Bancorp last closing stock price
MetricPriceDate
Last closeUSD 20.302026-07-17
Horizon Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.68%USD 19.582026-07-10
1 month+6.28%USD 19.102026-06-17
3 month+13.6%USD 17.872026-04-17
Year to date+22.96%USD 16.512025-12-31
1 year+32.65%USD 15.302025-07-17
3 year+107.42%USD 9.792023-07-18
5 year+52.17%USD 13.342021-07-16
Since inception+8,458.34%USD 0.241990-10-31

Horizon Bancorp Financials at a Glance

Market Cap

$1.04BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$96.08M

Net Income (TTM)

-$148.26M

EPS (TTM)

-$3.19

P/E Ratio

-6.37

Dividend

$0.64

Beta (Volatility)

0.91 (Low)

Price

$20.30

Volume

641,598

Open

$20.42

Previous Close

$20.30

Daily Range

$20.16 - $20.52

52-Week Range

$14.84 - $20.66

Estimated Earnings Date

Jul 22, 2026

HBNC News

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About Horizon Bancorp

Horizon helps people and businesses in Indiana and Michigan manage their money. It provides tools for saving, borrowing, and protecting wealth. These services help families buy homes and businesses grow their operations.

How the Business Earns Money

  • Commercial Banking: Loans and financial services for business operations; accounted for 291.4% of 2025 revenue including realized losses from balance sheet changes.
  • Investment Securities: Income from the bank's investment portfolio; generated 42.9% of 2025 revenue.
  • Retail Banking: Personal deposit accounts and consumer loans for individuals.
  • Mortgage Services: Residential real estate loans for home buyers.
  • Wealth Management: Trust, investment management, and insurance products for individuals and corporations.

Growing Across State Lines

  • Assumed debt from the acquisition of American Trust & Savings Bank in 2010 to strengthen its local presence.
  • Completed transactions for Heartland, LaPorte Bancorp, and Salin to increase its regional footprint.
  • Converted from a national association to an Indiana commercial bank in June 2017.
  • Assumed additional debentures through the acquisition of Alliance Financial Corporation.

What Makes Horizon Unique?

Horizon operates a network of 71 full-service offices that prioritize localized community banking. It maintains a well-capitalized status according to federal regulatory standards to support financial stability.

The Latest Financial Facts

  • Net income reached $26.2 million in Q1 2026, up 9.3% from Q1 2025.
  • Operating income was $32.3 million in Q1 2026, up 15.2% year-over-year.
  • Gross profit rose to $73.1 million in Q1 2026, an increase of 9.6% from the previous year.
  • Revenue was $97.9 million in Q1 2026, down 6.8% from $105 million in Q1 2025.

Bottom Line

Horizon has evolved from a local 19th-century bank into a multi-state regional provider. Its strategy balances traditional community lending with expanded wealth management services across the Midwest.

AI Generated • May 2, 2026

Industry

Banks

Sector

Financials

Employees

491

CEO

Thomas M. Prame, MBA

Website

www.horizonbank.com

Headquarters

Michigan City, IN 46360, US

HBNC Financials

Key Financial Metrics (TTM)

Gross Margin

-24.98%

Operating Margin

-203.24%

Net Income Margin

-154.31%

Return on Equity

-20.89%

Return on Capital

-18.26%

Return on Assets

-2.26%

Earnings Yield

-15.70%

Dividend Yield

3.15%

Payout Ratio

-20.64%

Stock Overview

Market Cap

$1.04BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

51.33M

Volume

641.60K

Avg. Volume

526.16K

Financials (TTM)

Gross Profit

-$24.00M

Operating Income

-$195.26M

EBITDA

-$182.89M

Operating Cash Flow

$84.75M

Capital Expenditure

-$3.88M

Free Cash Flow

$80.92M

Cash & ST Invst.

$68.35M

Total Debt

$381.83M

Horizon Bancorp Performance Analysis

Horizon Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 284,049,00012.6%
20232023-12-31USD 324,379,00014.2%
20242024-12-31USD 359,453,00010.8%
20252025-12-31USD 106,477,000-70.4%
Horizon Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-3.6%
Q32025-09-30-301.4%
Q42025-12-31149.5%
Q12026-03-31-2.8%
Horizon Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.147.9%
20232023-12-31USD 0.64-70.1%
20242024-12-31USD 0.8026.0%
20252025-12-31USD -3.24N/A
Horizon Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-13.0%
Q32025-09-30-1097.9%
Q42025-12-31111.3%
Q12026-03-31-3.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$97.89M

-6.8%

Gross Profit

$73.09M

+9.6%

Gross Margin

74.66%

N/A

Market Cap

$1.04BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.12M

N/A

Employees

491

N/A

Net Income

$26.17M

+9.3%

EBITDA

$35.80M

+15.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$68.35M

-62.9%

Total Debt

$381.83M

-62.3%

Accounts Receivable

$29.02M

-25.0%

Inventory

$0.00

N/A

Long Term Debt

$315.83M

-68.8%

Short Term Debt

$66.00M

N/A

Return on Assets

-2.26%

N/A

Return on Invested Capital

-3.00%

N/A

Free Cash Flow

$20.76M

+47.1%

Operating Cash Flow

$20.76M

+36.2%

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Questions About HBNC

What is the current price of Horizon Bancorp?

Horizon Bancorp is trading at $20.30 per share.

What is the 52-week range for Horizon Bancorp?

Over the past 52 weeks, Horizon Bancorp has traded between $14.84 and $20.66.

How much debt does Horizon Bancorp have?

As of the most recent reporting period, Horizon Bancorp reported total debt of $381.83M.

How much cash does Horizon Bancorp have on hand?

Horizon Bancorp does not have cash on hand data available.

What is Horizon Bancorp’s dividend yield?

Horizon Bancorp currently has a dividend yield of 3.15%.

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