Horizon Bancorp Inc /In/ (HBNC) Net Margin (2010 - 2026)
Horizon Bancorp (HBNC) posted Net Margin of 32.99% for Q2 2026, up 1.84 percentage points from 31.15% a year earlier but down 2.62 percentage points from the prior quarter.
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Analysis
Horizon Bancorp Inc /In/ (HBNC) Net Margin (2010 - 2026) Analysis & Trends
For FY2024, Horizon Bancorp's Net Margin came in at 18.49%, up 3.59 percentage points from FY2023.
- Annual Net Margin shows a five-year change of -14.15 percentage points (FY2019 to FY2024).
- In prior years, Horizon Bancorp's Net Margin was 14.90% in FY2023 (-22.92 pp), 37.82% in FY2022 (+0.56 pp), 37.26% in FY2021 (+6.83 pp) and 30.42% in FY2020 (-2.22 pp).
- Quarterly Net Margin has run from a low of -115.62% in Q4 2023 to a high of 38.64% in Q1 2022 over five years.
- On a year-over-year basis, Net Margin has increased in each of the last three quarters, with an average year-over-year change of +24.22 percentage points over the last seven quarters.
- The strongest year-over-year quarter for Net Margin in the past five years was Q4 2025, with a gain of 80.94 percentage points; the weakest was Q4 2023, with a drop of 151.22 percentage points.
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 32.99% |
| Mar 31, 2026 | 35.61% |
| Dec 31, 2025 | 35.93% |
| Jun 30, 2025 | 31.15% |
| Mar 31, 2025 | 34.82% |
| Dec 31, 2024 | -45.02% |
| Sep 30, 2024 | 31.12% |
| Jun 30, 2024 | 25.36% |
| Mar 31, 2024 | 26.29% |
| Dec 31, 2023 | -115.62% |
| Sep 30, 2023 | 30.05% |
| Jun 30, 2023 | 32.83% |
| Mar 31, 2023 | 33.23% |
| Dec 31, 2022 | 35.60% |
| Sep 30, 2022 | 38.39% |
| Jun 30, 2022 | 38.55% |
| Mar 31, 2022 | 38.64% |
| Dec 31, 2021 | 34.11% |
| Sep 30, 2021 | 36.86% |
| Jun 30, 2021 | 38.34% |
API Access
Horizon Bancorp Inc /In/ Net 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=net-margin&ticker=HBNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=HBNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();