Horizon Bancorp (HBNC) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2025, Horizon Bancorp (HBNC) reported revenue of $74.94 million, up 210.1% over the same period last year. EPS came in at $0.53, compared to $0.36 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $73.4 million, representing a surprise of +2.1%. The company delivered an EPS surprise of +6.7%, with the consensus EPS estimate being $0.50.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Horizon Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 54.2% versus 53.4% estimated by three analysts on average.
• Net Interest Margin: 4.3% versus 4.2% estimated by three analysts on average.
• Annualized net charge-offs of average total loans: 0.1% compared to the 0.1% average estimate based on two analysts.
• Average Balance - Total interest earning assets: $5.97 billion versus the two-analyst average estimate of $5.97 billion.
• Gain on sale of mortgage loans: $1.3 million versus the three-analyst average estimate of $1.03 million.
• Total non-interest income: $11.46 million versus the three-analyst average estimate of $11.1 million.
• Net Interest Income: $63.48 million versus the three-analyst average estimate of $63.17 million.
• Wire transfer fees: $0.07 million versus $0.09 million estimated by two analysts on average.
• Mortgage servicing income net of impairment: $0.35 million versus the two-analyst average estimate of $0.35 million.
• Service charges on deposit accounts: $3.34 million versus the two-analyst average estimate of $3.47 million.
• Other income: $1.04 million versus $1.05 million estimated by two analysts on average.
• Fiduciary activities: $1.56 million compared to the $1.4 million average estimate based on two analysts.

View all Key Company Metrics for Horizon Bancorp here>>>

Shares of Horizon Bancorp have returned -2.3% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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