Horizon Bancorp Inc (HBNC) FinancialsHBNCFinancialHorizon Bancorp Inc

Evaluating the bottom line, Horizon Bancorp Inc maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 48.82%, while the net margin is 35.93%. These profitability ratios, combined with a Return on Equity (ROE) of -18.98%, provide a clear picture of how effectively HBNC converts its operational activities into shareholder value.

In the context of the broader market, HBNC competes directly with industry leaders such as CCNE and MCBS. With a market capitalization of $1.06B, it holds a leading position in the sector. When comparing efficiency, HBNC's gross margin of N/A stands against CCNE's N/A and MCBS's N/A. Such benchmarking helps identify whether Horizon Bancorp Inc is trading at a premium or discount relative to its financial performance.

Horizon Bancorp has shown fluctuating financial performance, with a recent net income of 24,908,000 USD in Q2 2026, but a significant loss in Q3 2025 of -221,990,000 USD. The net interest margin has improved to 4.37%, which is a positive sign for profitability.