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Horizon Bancorp HBNC Q3 2025 earnings

Reported October 22, 2025 · After market close

Revenue-$203.7MMiss by $276.8M
EPS$0.30Miss by $0.16
Revenue estimate$73.0M
EPS estimate$0.46

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$78.0M
EPS estimate$0.53

Financials

Q3 2025

Income statement

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Revenue-$236.9M-506%
Net income-$222.0M-1,321%
EPS (diluted)-$4.69-1,244%

Balance sheet

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Cash & equivalents$458.3M+95.1%
Total debt$247.2M-80.5%
Total equity$660.8M-12.5%
Total assets$6.7B-15.3%

Cash flow

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Operating cash flow$10.9M-66.2%
CapEx$1.5M+18.0%
Free cash flow$9.4M-69.7%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$820.29M+20.7%
Enterprise value$609.2M-64.4%

Returns & leverage

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Debt / equity0.4×-1.3×

FAQ

When did Horizon Bancorp report Q3 2025 earnings?
Horizon Bancorp (HBNC) reported Q3 2025 earnings on October 22, 2025 after market close.
What were Horizon Bancorp's Q3 2025 revenue and EPS?
Horizon Bancorp reported revenue of -$203.7M and eps of $0.30 for Q3 2025.
Did Horizon Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $73.0M by $276.8M. EPS missed the consensus estimate of $0.46 by $0.16.
How did Horizon Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 455.0% from $57.4M a year earlier and eps declined 26.8% from $0.41.
Where can I find Horizon Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000706129-25-000172) and the 10-Q periodic report (0000706129-25-000176) directly on SEC EDGAR. The filing index links above go to sec.gov.