Filing Flows › Horizon Bancorp (HBNC) › Q3 2026
Horizon Bancorp (HBNC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Horizon Bancorp (HBNC) reported revenue of $77.1M for the third quarter 2026 (Q3 2026) and +2% from the quarter before. Operating margin was 44.5%, net earnings $28.7M (37.2% of revenue).
Horizon Bancorp, Q3 2026: revenue $77.1M, operating margin 44.5%, net earnings $28.7M, operating cash flow $29.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $77.1M | +2% | — |
| Operating profit | $34.3M | +11% | — |
| Net earnings | $28.7M | +15% | — |
| Operating cash flow | $29.4M | -11% | — |
| Free cash flow | $26.6M | -15% | — |
What changed
Revenue was $77.1M in Q3 2026, up 2% from the previous quarter. Net interest income was the largest line at 85% of revenue.
Operating profit was $34.3M, a 44.5% margin. Net earnings were $28.7M. The effective tax rate was 16.4%.
Operating cash flow was $29.4M, 102% of net earnings. Non-cash charges added back $2.4M of depreciation and amortization and $285K of share-based compensation. Working capital and other items used $2.0M. Capital expenditures of $2.8M left free cash flow of $26.6M.
Questions
What was Horizon Bancorp's revenue in the third quarter 2026?
Horizon Bancorp (HBNC) reported revenue of $77.1M for the third quarter 2026 (Q3 2026) and +2% from the quarter before.
Was Horizon Bancorp profitable in the third quarter 2026?
Operating profit was $34.3M (44.5% of revenue) and net earnings $28.7M.
Source: Horizon Bancorp 10-Q on SEC EDGAR.