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Horizon Bancorp HBNC Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$74.9MBeat by $589.4K
EPS$0.53Beat by $0.03
Revenue estimate$74.3M
EPS estimate$0.50

Next report

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

Financials

Q4 2025

Balance sheet

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Cash & equivalents$139.5M-52.5%
Total debt$248.6M-79.8%
Total equity$688.3M-9.9%
Total assets$6.4B-17.5%

Cash flow

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Operating cash flow$33.6M—
CapEx$943.0K-47.6%
Free cash flow$32.6M—

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$868.65M+23.3%
Enterprise value$977.77M-40.5%

Returns & leverage

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Debt / equity0.4×-1.3×

FAQ

When did Horizon Bancorp report Q4 2025 earnings?
Horizon Bancorp (HBNC) reported Q4 2025 earnings on January 21, 2026 after market close.
What were Horizon Bancorp's Q4 2025 revenue and EPS?
Horizon Bancorp reported revenue of $74.9M and eps of $0.53 for Q4 2025.
Did Horizon Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $74.3M by $589.4K. EPS beat the consensus estimate of $0.50 by $0.03.
How did Horizon Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.7% from $63.1M a year earlier.
Where can I find Horizon Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000706129-26-000006) and the 10-K periodic report (0000706129-26-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.