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Horizon Bancorp (HBNC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended September 2026, Horizon Bancorp (HBNC - Free Report) reported revenue of $77.09 million, up 24% over the same period last year. EPS came in at $0.56, compared to $0.30 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $76.8 million, representing a surprise of +0.38%. The company delivered an EPS surprise of +5.66%, with the consensus EPS estimate being $0.53.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 53.9% versus 53% estimated by three analysts on average.
Net Interest Margin: 4.4% versus 4.3% estimated by two analysts on average.
Gain on sale of mortgage loans: $2.13 million compared to the $1.37 million average estimate based on three analysts.
Net Interest Income: $65.16 million versus $65.43 million estimated by three analysts on average.
Total non-interest income: $11.93 million versus $11.73 million estimated by three analysts on average.
Mortgage servicing income net of impairment: $0.25 million versus $0.38 million estimated by two analysts on average.
Service charges on deposit accounts: $3.52 million versus the two-analyst average estimate of $3.45 million.
Other income: $0.6 million versus $1.3 million estimated by two analysts on average.
Fiduciary activities: $1.47 million versus the two-analyst average estimate of $1.5 million.
Increase in cash value of bank owned life insurance: $0.39 million versus the two-analyst average estimate of $0.38 million.
Interchange fees: $3.54 million versus $3.61 million estimated by two analysts on average.
Shares of Horizon Bancorp have returned +2.7% over the past month versus the Zacks S&P 500 composite's +1% 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.
View the Zacks #1 Rank List
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Horizon Bancorp (HBNC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended September 2026, Horizon Bancorp (HBNC - Free Report) reported revenue of $77.09 million, up 24% over the same period last year. EPS came in at $0.56, compared to $0.30 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $76.8 million, representing a surprise of +0.38%. The company delivered an EPS surprise of +5.66%, with the consensus EPS estimate being $0.53.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:View all Key Company Metrics for Horizon Bancorp here>>>
Shares of Horizon Bancorp have returned +2.7% over the past month versus the Zacks S&P 500 composite's +1% 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.