Horizon Bancorp (HBNC) EBT Margin (2009 - 2026)
Horizon Bancorp (HBNC) recorded EBT Margin of 40.72% in Q2 2026, up 3.91 percentage points from 36.81% a year earlier but down 3.30 percentage points from the prior quarter.
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Analysis
Horizon Bancorp (HBNC) EBT Margin (2009 - 2026) Analysis & Trends
For FY2024, Horizon Bancorp reported EBT Margin of 14.28%, down 6.50 percentage points from FY2023.
- Annual EBT Margin has declined for three straight years, with a five-year change of -24.89 percentage points (FY2019 to FY2024).
- Across earlier years, EBT Margin came in at 20.77% in FY2023 (-21.98 pp), 42.75% in FY2022 (-1.07 pp), 43.83% in FY2021 (+9.02 pp) and 34.81% in FY2020 (-4.36 pp).
- Quarterly EBT Margin has ranged from -90.73% in Q4 2024 to 44.72% in Q2 2022 over the past five years.
- On a year-over-year basis, EBT Margin has increased for three consecutive quarters, with an average year-over-year change of +22.27 percentage points over the last seven quarters.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 134.36 percentage points in Q4 2025, against a drop of 126.24 percentage points in Q4 2023 at the low end.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 40.13% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 29.93% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 51.73% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 31.85% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 41.80% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 37.49% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 32.46% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 70.61% |
| 10 | Horizon Bancorp | 1.09 Bn | 251.20 Mn | - | 44.46% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 44.46% |
| Jun 30, 2026 | 40.72% |
| Mar 31, 2026 | 44.02% |
| Dec 31, 2025 | 43.63% |
| Jun 30, 2025 | 36.81% |
| Mar 31, 2025 | 40.84% |
| Dec 31, 2024 | -90.73% |
| Sep 30, 2024 | 30.99% |
| Jun 30, 2024 | 28.46% |
| Mar 31, 2024 | 28.76% |
| Dec 31, 2023 | -86.19% |
| Sep 30, 2023 | 32.44% |
| Jun 30, 2023 | 35.37% |
| Mar 31, 2023 | 36.62% |
| Dec 31, 2022 | 40.05% |
| Sep 30, 2022 | 41.63% |
| Jun 30, 2022 | 44.72% |
| Mar 31, 2022 | 44.44% |
| Dec 31, 2021 | 40.61% |
| Sep 30, 2021 | 43.34% |
API Access
Horizon Bancorp EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=HBNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "HBNC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=HBNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();