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Horizon Bancorp HBNC Net Interest Income

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Other financials

Income statement

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Revenue$75.5M+13.9%
Net income$24.9M+20.7%
EPS (diluted)$0.49+4.3%

Balance sheet

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Cash & equivalents$217.9M+58.0%
Total debt$223.0M-77.1%
Total equity$726.2M-8.2%
Total assets$6.6B-14.1%

Cash flow

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Operating cash flow$33.2M+70.1%
CapEx$1.8M+33.3%
Free cash flow$31.3M+72.9%

Valuation

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Market cap$1.04B+55.6%
Enterprise value$1.05B-30.5%

Profitability

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Net margin33%-5.3pp
FCF margin34.4%+0.2pp

Returns & leverage

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Return on equity11.1%-2.7pp
Debt / equity0.3×-0.9×

Where this comes from

Reported directly by Horizon Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Horizon Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000706129-26-000063
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Subordinated notes1,9048293,7341,658
Junior subordinated debentures issued to capital trusts9801,0701,9622,360
Total interest expense25,01836,12249,42873,030
Net Interest Income63,49055,355125,730107,622
Credit loss expense9162,4621,3073,838
Net Interest Income after Provision for Credit Losses62,57452,893124,423103,784
Non-interest Income
Service charges on deposit accounts3,3763,2086,9016,416

Item 1. Financial Statements (Unaudited)

FAQ

What is Horizon Bancorp's net interest income?
Horizon Bancorp (HBNC) reported net interest income of $63.49M in Q2 2026.
How has Horizon Bancorp's net interest income changed year-over-year?
Horizon Bancorp's net interest income increased by 14.7% year-over-year, from $55.36M to $63.49M.
What is the long-term trend for Horizon Bancorp's net interest income?
Over 4 years (2021 to 2025), Horizon Bancorp's net interest income has grown at a 6.0% compound annual growth rate (CAGR), from $181.69M to $229.48M.
What does net interest income mean?
Net interest income is the difference between the interest earned on loans and investments and the interest paid on deposits and other borrowings. It serves as the primary driver of a bank's core profitability and operational success. A stable or growing net interest income indicates effective management of the bank's interest rate risk and asset-liability mix.

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