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Horizon Bancorp, Inc.

HBNC Finance Major Banks
$20.37
▲ +3.9% Today
as of Oct 23, 16:49 ET
Last 30 days +2.98% Sep 14 → Oct 23
$18.71 $19.15 $19.60 $20.05 $20.49 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$19.99
High
$20.44
Low
$19.81
Volume
$912,002
Avg Vol
$466,378
Mkt Cap
$990M
P/E (TTM)
—
Beta
—
52w High
$21.04
52w Low
$15.42
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 15 items

▸ Show all 15 press releases & news Free account →

HBNC earnings at a glance

The options market is pricing a move of about ±16.9% after the report, a range of roughly $16.94 to $23.80 from today's $20.37. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±1.9% on average; after the most recent report on Jul 22, 2026 it moved -0.8%. That means options currently expect more movement than HBNC has typically delivered. HBNC beat the consensus EPS estimate in 4 of its last 6 reported quarters. Implied volatility is currently 143%. The share price of $20.37 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$15
$21
88% of range
Avg surprise (last 6)
+2.6%
Avg reaction (last 6)
-0.1%
50% positive
Latest IV / EM
143%
EM ±16.9% · $20 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.30$0.36$0.42$0.48$0.54 Actual $0.42Actual $0.43Actual $0.37Actual $0.32Actual $0.32Actual $0.41Actual $0.54Est $0.40Actual $0.47Est $0.44Actual $0.30Est $0.46Actual $0.53Est $0.50Actual $0.51Est $0.48Actual $0.49Est $0.51 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$-222M$-160M$-97M$-35M$27M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 22, 2026Jun/2026 $0.49 $0.51 -3.9% +8.5% -0.8% earnings
Wed Apr 22, 20268K 2026-04-22 $0.51 $0.48 +6.2% — +1.4% earnings
Wed Jan 21, 20268K 2026-01-21 $0.53 $0.50 +6.0% — +2.1% earnings
Wed Oct 22, 2025Sep/2025 $0.30 $0.46 -34.8% — -2.3% earnings
Wed Jul 23, 2025Jun/2025 $0.47 $0.44 +6.8% — -3.0% earnings
Wed Apr 23, 2025Mar/2025 $0.54 $0.40 +35.0% — +1.7% earnings
Mon Sep 30, 2024Sep 2024 $0.41 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.32 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.32 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.37 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.43 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.42 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$25M$26M—$-222M$21M$24M—$18M
EPS (diluted)$0.49$0.51—$-4.69$0.47$0.54—$0.41

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$218M$259M$139M$458M$138M$170M$293M$235M
Inventory————————
Total current assets————————
Total assets$6.57B$6.56B$6.44B$6.71B$7.65B$7.63B$7.80B$7.93B
Long-term debt————————
Total liabilities$5.85B$5.87B$5.75B$6.05B$6.86B$6.85B$7.04B$7.17B
Total equity$726M$699M$688M$661M$791M$776M$764M$755M

Implied volatility — last 90 days

18%49%80%111%142% Jun 07 — IV 135% · EM ±18.7%Jun 23 — IV 70% · EM ±14.2%Jul 08 — IV 118% · EM ±14.8%Jul 09 — IV 115% · EM ±13.6%Jul 30 — IV 73% · EM ±14.3%Aug 04 — IV 71% · EM ±12.3%Aug 05 — IV 87% · EM ±14.5%Aug 13 — IV 126% · EM ±14.9%Aug 14 — IV 130% · EM ±14.3%Aug 24 — IV 23% · EM ±4.8%Aug 25 — IV 24% · EM ±4.9%Aug 26 — IV 24% · EM ±4.7%Aug 27 — IV 22% · EM ±4.4%Aug 28 — IV 23% · EM ±4.3%Aug 31 — IV 25% · EM ±4.5%Sep 01 — IV 31% · EM ±5.3%Sep 02 — IV 22% · EM ±3.7%Sep 03 — IV 21% · EM ±3.4%Sep 04 — IV 18% · EM ±2.9%Sep 07 — IV 21% · EM ±2.9%Sep 08 — IV 24% · EM ±3.2%Sep 09 — IV 45% · EM ±5.6%Sep 10 — IV 24% · EM ±2.8%Sep 11 — IV 22% · EM ±2.4%Sep 14 — IV 36% · EM ±3.0%Sep 15 — IV 42% · EM ±3.0%Sep 16 — IV 100% · EM ±5.9%Sep 17 — IV 110% · EM ±4.6%Sep 21 — IV 44% · EM ±9.3%Sep 22 — IV 93% · EM ±19.0%Sep 23 — IV 67% · EM ±13.4%Sep 28 — IV 96% · EM ±17.1%Sep 30 — IV 135% · EM ±22.6%Oct 01 — IV 70% · EM ±11.3%Oct 07 — IV 135% · EM ±16.9%Oct 08 — IV 143% · EM ±16.9%

Sector peers

HBNC earnings FAQ

What is HBNC's expected move for earnings?

Options currently price a move of about ±16.9%, or $3.43 per share either way from $20.37.

How does HBNC stock usually react to earnings?

Across the last 6 reports the average next-day move was ±1.9%, up 3 times and down 3 times.

What is HBNC's implied volatility?

HBNC's at-the-money implied volatility is about 143% based on the latest options snapshot.

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