20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Horizon Bancorp (HBNC) operates in the BANKS - REGIONAL industry and is headquartered in Michigan City, United States with about 465 employees. Its market capitalization is roughly $1 billion. In the fiscal year ended 2025-12-31, HBNC reported $103M in revenue and ($150M) in net income.
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides commercial and retail banking services to individuals and corporate clients in Indiana and Michigan in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $95M | $103M | $355M | $220M | $278M | $247M | $254M | $243M | $194M | $157M | $136M | $112M | $98M | $96M | $96M | $81M | $85M | $91M | $84M | $87M | $79M |
| Gross Profit | ($12M) | ($30M) | $182M | $324M | $243M | $230M | $199M | $193M | $160M | $138M | $114M | $95M | $81M | $81M | $78M | $59M | $53M | $49M | $44M | $42M | $41M |
| Gross Margin % | -12.6% | -29.5% | 51.2% | 147.1% | 87.5% | 93.4% | 78.3% | 79.6% | 82.2% | 88.0% | 83.6% | 84.8% | 83.3% | 84.0% | 81.3% | 73.1% | 61.9% | 54.2% | 51.9% | 48.1% | 51.7% |
| Operating Income (EBIT) | ($189M) | ($200M) | $27M | $39M | $106M | $102M | $78M | $80M | $64M | $48M | $33M | $28M | $24M | $27M | $28M | $17M | $13M | $11M | $11M | $11M | $10M |
| Operating Margin % | -198.0% | -193.4% | 7.7% | 17.7% | 38.0% | 41.5% | 30.8% | 32.9% | 32.7% | 30.6% | 24.0% | 24.9% | 24.8% | 28.0% | 29.3% | 21.0% | 15.7% | 12.4% | 12.9% | 12.4% | 13.1% |
| Net Income | ($144M) | ($150M) | $35M | $28M | $93M | $87M | $68M | $67M | $53M | $33M | $24M | $21M | $18M | $20M | $20M | $13M | $10M | $9M | $9M | $8M | $7M |
| Net Margin % | -150.9% | -145.9% | 10.0% | 12.7% | 33.6% | 35.3% | 26.9% | 27.4% | 27.4% | 21.1% | 17.5% | 18.4% | 18.5% | 20.7% | 20.4% | 15.8% | 12.3% | 10.1% | 10.7% | 9.3% | 9.5% |
| EBITDA | ($179M) | ($188M) | $40M | $39M | $119M | $116M | $91M | $90M | $70M | $54M | $38M | $32M | $28M | $30M | $31M | $20M | $16M | $14M | $13M | $13M | $13M |
| Earnings Per Share (EPS) | $-3.17 | $-2.93 | $0.80 | $0.64 | $2.14 | $1.98 | $1.55 | $1.53 | $1.38 | $0.95 | $0.79 | $0.85 | $0.85 | $0.98 | $1.05 | $0.75 | $0.62 | $0.55 | $0.55 | $0.50 | $0.46 |
| Shares Outstanding (M) | 51M | 51M | 44M | 44M | 44M | 44M | 44M | 44M | 38M | 35M | 30M | 24M | 21M | 20M | 19M | 17M | 17M | 17M | 16M | 16M | 16M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $101M | $98M | $101M | ($204M) | $101M | $105M | $63M | $101M |
| Gross Profit | $75M | $73M | $75M | ($235M) | $63M | $67M | $22M | $56M |
| Gross Margin % | 74.2% | 74.7% | 74.4% | 115.2% | 61.9% | 63.5% | 34.4% | 55.6% |
| Operating Income (EBIT) | $31M | $32M | $34M | ($286M) | $24M | $28M | ($22M) | $18M |
| Operating Margin % | 30.6% | 33.0% | 34.1% | 140.5% | 24.1% | 26.8% | -34.8% | 17.9% |
| Net Income | $25M | $26M | $27M | ($222M) | $21M | $24M | ($11M) | $18M |
| Net Margin % | 24.8% | 26.7% | 26.7% | 109.0% | 20.4% | 22.8% | -17.2% | 17.9% |
| EBITDA | $31M | $36M | $35M | ($281M) | $27M | $31M | ($19M) | $21M |
| Earnings Per Share (EPS) | $0.49 | $0.51 | $0.53 | $-4.69 | $0.47 | $0.54 | $-0.25 | $0.41 |
| Shares Outstanding (M) | 51M | 51M | 51M | 47M | 44M | 44M | 44M | 44M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $98M | $79M | $6M | $89M | $94M | $105M | $79M | $175M | $72M | $49M | $26M | $35M | $18M | $47M | $26M | $22M | $25M | $15M | $20M | $18M | ($1M) |
| Capital Expenditures (CapEx) | $3M | $5M | $5M | $8M | $6M | $1M | $6M | $5M | $3M | $3M | $1M | $6M | $6M | $6M | $7M | $2M | $2M | $4M | $5M | $3M | $4M |
| Free Cash Flow (FCF) | $96M | $74M | $1M | $81M | $88M | $104M | $73M | $170M | $69M | $46M | $24M | $30M | $11M | $41M | $19M | $20M | $22M | $11M | $14M | $15M | ($5M) |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $32M | $29M | $28M | $28M | $28M | $25M | $21M | $21M | $15M | $12M | $8M | $6M | $5M | $4M | $4M | $3M | $3M | $3M | $2M | $2M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $33M | $21M | $34M | $11M | $20M | $15M | ($48M) | $32M |
| Capital Expenditures (CapEx) | $0M | $0M | $1M | $2M | $1M | $1M | $2M | $1M |
| Free Cash Flow (FCF) | $33M | $21M | $33M | $9M | $18M | $14M | ($50M) | $31M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $8M | $8M | $8M | $7M | $7M | $7M | $7M | $7M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.6B | $6.4B | $7.8B | $7.9B | $7.9B | $7.4B | $5.9B | $5.2B | $4.2B | $4.0B | $3.1B | $2.7B | $2.1B | $1.8B | $1.8B | $1.5B | $1.4B | $1.4B | $1.3B | $1.3B | $1.2B |
| Cash & Cash Equivalents | $218M | $67M | $294M | ($519M) | $126M | $598M | $259M | $107M | $74M | $76M | $71M | $49M | $43M | $32M | $31M | $20M | $16M | $69M | $39M | $20M | $53M |
| Total Liabilities | $5.8B | $5.7B | $7.0B | $7.2B | $7.2B | $6.7B | $5.2B | $4.6B | $3.8B | $3.5B | $2.8B | $2.4B | $1.9B | $1.6B | $1.7B | $1.4B | $1.3B | $1.3B | $1.2B | $1.2B | $1.2B |
| Total Debt (Short + Long-Term) | $602M | $404M | $1.3B | $1.6B | $2.0B | $903M | $650M | $827M | $1.1B | $614M | $324M | $969M | $267M | $214M | $263M | $227M | $31M | $28M | $483M | $541M | $240M |
| Total Shareholders' Equity | $726M | $688M | $764M | $719M | $677M | $723M | $692M | $656M | $492M | $457M | $341M | $267M | $194M | $165M | $159M | $121M | $112M | $115M | $103M | $71M | $62M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive HBNC viewer.
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