Horizon Bancorp (HBNC) Net Margin (2009 - 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 (HBNC) Net Margin (2009 - 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.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Horizon Bancorp | 1.09 Bn | 251.20 Mn | - | 37.19% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 37.19% |
| 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% |
API Access
Horizon Bancorp 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();