What is Horizon Bancorp's provision for credit losses?

Horizon Bancorp (HBNC) reported provision for credit losses of $391K in Q1 2026.

How has Horizon Bancorp's provision for credit losses changed year-over-year?

Horizon Bancorp's provision for credit losses decreased by 71.6% year-over-year, from $1.38M to $391K.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Horizon Bancorp HBNC Provision for Credit Losses

Provision for Credit Losses at other companies

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$100M+9.9%

BeldenBDC

$150K-75.0%

EPR PropertiesEPR

-$5.6M-758%

Envista Holdings CorporationNVST

$4.4M+238%

Evolution Metals & Technologies Corp. EMAT

$470K—

Dolby Laboratories, Inc.DLB

$2.9M+134%

Other financials

Income statement

See full

Revenue$73.5M+6.9%

Net income$26.2M+9.3%

EPS (diluted)$0.51-5.6%

Balance sheet

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Cash & equivalents$259.1M+52.7%

Total debt$225.8M-74.9%

Total equity$699.0M-9.9%

Total assets$6.6B-14.0%

Cash flow

See full

Operating cash flow$20.8M+36.2%

CapEx$56.0K-95.0%

Free cash flow$20.7M+46.7%

Valuation

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Market cap$1.02B+57.7%

Enterprise value$982.06M-28.5%

Profitability

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Net margin33%-5.3pp

FCF margin34.4%+0.2pp

Returns & leverage

See full

Return on equity11.1%-2.7pp

Debt / equity0.3×-0.8×

Where this comes from

Reported directly by Horizon Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: Horizon Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horizon Bancorp's provision for credit losses?: Horizon Bancorp (HBNC) reported provision for credit losses of $391K in Q1 2026.
How has Horizon Bancorp's provision for credit losses changed year-over-year?: Horizon Bancorp's provision for credit losses decreased by 71.6% year-over-year, from $1.38M to $391K.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.