Filing Flows › Horizon Bancorp (HBNC) › How it makes money
How Horizon Bancorp (HBNC) makes money
Horizon Bancorp (HBNC) made $77.1M of revenue in the third quarter 2026 (Q3 2026). Net interest income brought in $65.2M (85%); Noninterest income brought in $11.9M (15%). Of every dollar of revenue, 44¢ was left as operating profit, 37¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $65.2M | 84.5% | +3% | — |
| Noninterest income | $11.9M | 15.5% | -0.7% | — |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $77.1M | 100.0% |
| Operating profit | $34.3M | 44.5% |
| Income tax | $5.6M | 7.3% |
| Net earnings | $28.7M | 37.2% |
| Operating cash flow | $29.4M | 38.1% |
| Free cash flow | $26.6M | 34.5% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $77.1M | — |
From Horizon Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Horizon Bancorp make money?
Horizon Bancorp (HBNC) made $77.1M of revenue in the third quarter 2026 (Q3 2026). Net interest income brought in $65.2M (85%); Noninterest income brought in $11.9M (15%). Of every dollar of revenue, 44¢ was left as operating profit, 37¢ was left as net earnings.
What is Horizon Bancorp's biggest business?
Net interest income: $65.2M in the third quarter 2026, 85% of revenue.
What is Horizon Bancorp's profit margin?
Net earnings were $28.7M, 37.2% of revenue, in the third quarter 2026; the operating margin was 44.5%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.