What is Horizon Bancorp's capital conservation buffer?

Horizon Bancorp (HBNC) reported capital conservation buffer of $0.08 in Q1 2026.

How has Horizon Bancorp's capital conservation buffer changed year-over-year?

Horizon Bancorp's capital conservation buffer decreased by 0.0% year-over-year, from $0.08 to $0.08.

What is the long-term trend for Horizon Bancorp's capital conservation buffer?

Over 5 years (2020 to 2025), Horizon Bancorp's capital conservation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.08 to $0.08.

Horizon Bancorp HBNC Capital Conservation Buffer

Capital Conservation Buffer at other companies

OceanFirst FinancialOCFC

$0.110.0%

Banner CorporationBANR

$0.080.0%

Metropolitan Bank Holding Corp.MCB

8%0.0pp

Heritage FinancialHFWA

$0.080.0%

CitigroupC

$0.080.0%

Bank of AmericaBAC

$0.030.0%

Other financials

Income statement

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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

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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

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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:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

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 capital conservation buffer?: Horizon Bancorp (HBNC) reported capital conservation buffer of $0.08 in Q1 2026.
How has Horizon Bancorp's capital conservation buffer changed year-over-year?: Horizon Bancorp's capital conservation buffer decreased by 0.0% year-over-year, from $0.08 to $0.08.
What is the long-term trend for Horizon Bancorp's capital conservation buffer?: Over 5 years (2020 to 2025), Horizon Bancorp's capital conservation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.08 to $0.08.