Horizon Bancorp Inc/IN (NASDAQ:HBNC) Posts Mixed Q2 2025 Results with Strong EPS Beat and Net Interest Margin Growth

Horizon Bancorp Inc/IN (NASDAQ:HBNC) Reports Q2 2025 Earnings: Mixed Results Amid Net Interest Margin Growth

Horizon Bancorp Inc/IN released its second-quarter 2025 earnings, showcasing a mixed performance relative to analyst expectations. The company reported revenue of $66.27 million, slightly below the consensus estimate of $67.74 million. However, earnings per share (EPS) came in at $0.47, surpassing the estimated $0.4464. The market reaction has been cautiously positive, with shares rising approximately 1.76% in after-hours trading, suggesting investors are focusing on the EPS beat despite the revenue miss.

Key Takeaways from the Earnings Report

• Revenue: Reported $66.27 million vs. $67.74 million estimated (a 2.17% miss).
• EPS: Reported $0.47 vs. $0.4464 estimated (a 5.29% beat).
• Net Interest Margin Expansion: Highlighted as a key driver of profitability, contributing to the stronger-than-expected bottom line.
• Loan and Deposit Growth: The press release emphasized stable loan performance and deposit growth, though specific figures were not detailed in the summary.

Market Reaction and Price Performance

The immediate after-hours gain of nearly 1.76% indicates that investors are responding favorably to Horizon’s ability to exceed earnings expectations, even with softer revenue figures. Over the past month, the stock has seen a modest uptick of 4.8%, while weekly performance remains nearly flat (+0.02%). The market appears to be pricing in optimism around Horizon’s net interest margin improvements, which are critical for regional banks in the current rate environment.

Looking Ahead: Analyst Estimates for Q3 and Full-Year 2025

Analysts project Q3 2025 revenue at $69.00 million and EPS at $0.466, while full-year revenue is estimated at $272.65 million with EPS of $1.93. Horizon did not provide explicit forward guidance in the press release, leaving investors to rely on these consensus figures. The company’s ability to sustain net interest margin growth will likely remain a focal point in the coming quarters.

For a deeper dive into Horizon Bancorp’s earnings history and future estimates, visit the earnings and estimates page.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Investors should conduct their own research or consult a financial advisor before making any decisions.