HBNC PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

HBNC ▲ +2.98% at T+20d

SHORT call ✗ call lost -2.98% · α vs SPY +1.66% · entry $17.80 → $18.33

Next anchor: T+60d in 5w

Last close $18.90 (close Jun 8) · -6.18% from $17.80 entry (call sign-flipped)

Entry anchored
Apr 22, 03:59 PM ET
via Databento tick

T+1d

+0.17%

call -0.17% · α +0.62%

$17.83

settled 7w ago

T+5d

+0.62%

call -0.62% · α +0.86%

$17.91

settled 6w ago

T+20d

+2.98%

call -2.98% · α +1.66%

$18.33

settled 21d ago

T+60d

—

call — · α —

—

in 5w

Price Chart

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Executive Summary

Horizon Bancorp (HBNC) reported Q1 2026 diluted EPS of $0.51, missing the consensus estimate of $0.48 by 6.25% on the downside, despite strong net interest margin and deposit growth. Revenue of $73.4 million fell short of the $74.0M consensus, driven by lower non-interest income and modest loan growth.

Actionable Insight

The stock may face downward pressure due to the EPS and revenue miss despite strong fundamentals in deposits and net interest margin. Monitor loan growth trajectory and non-interest income trends in the next quarter for signs of stabilization.

Key Facts

Q1 2026 diluted EPS was $0.51 vs. consensus of $0.48 (6.25% miss)
Revenue was $73.4 million (net interest income + non-interest income), below $74.0M consensus
Net interest income was $62.2 million, up 19.1% YoY but down from prior quarter
Total deposits grew $146.9 million (11.3% annualized), led by $60.8M in non-interest-bearing deposits
Commercial loan growth was modest at $34.2M (4.0% annualized), offset by consumer/residential runoff

Financial Impact

Revenue and EPS both missed consensus, with EPS missing by 6.25% and revenue falling $0.6M short. Net income declined 2.8% YoY despite strong margin performance.

epsrevenuenet_incomeloan_growthdeposit_growth

Risk Factors

Elevated interest-earning cash balances dampened net interest margin by ~4 basis points
Consumer and residential loan portfolios showed continued runoff, raising concerns about loan growth sustainability

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3279381

5 reports for HBNC

T+1T+5T+20T+60

67% Hit rate 2 of 3 directional calls best @ T+20▲ +8.00%Apr 1, 2026

Filters

Reports for HBNC — sortable, filterable
	Type				Now
Apr 22, 2026 6w ago	8-K BEARISH ★ 6/10	$17.80 $18.33	▼ −2.98%	▲ +1.66%	$18.90 (−6.18%)
Apr 22, 2026 6w ago	Press Release BEARISH ★ 6/10	$17.80 $18.33	▼ −2.98%	▲ +1.66%	$18.90 (−6.18%)
Apr 1, 2026 9w ago	8-K BULLISH ★ 8/10	$16.76 $18.10	▲ +8.00%	▼ −1.88%	$18.90 (+12.77%)
Apr 1, 2026 9w ago	Press Release BULLISH ★ 6/10	$16.76 $18.10	▲ +8.00%	▼ −1.88%	$18.90 (+12.77%)
Mar 4, 2026 13w ago	8-K NEUTRAL ★ 3/10	$16.55 $16.76	▲ +1.27%	▲ +5.05%	$18.90 (+14.20%)

US Market Status

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