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Horizon Bancorp vs Central Pacific Financial: HBNC and CPF compared
Horizon Bancorp is the larger company: $77.1M of revenue in its latest quarter (Q3 2026) against $76.8M for Central Pacific Financial (Q3 2026). Horizon Bancorp is more profitable, with an operating margin of 44.5% against 39.3%.
Where the money goes: HBNC and CPF
Horizon Bancorp (HBNC) · Q3 2026
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.
Central Pacific Financial (CPF) · Q3 2026
Central Pacific Financial, Q3 2026: revenue $76.8M (+3% year over year), operating margin 39.3%, net earnings $22.8M, operating cash flow $29.9M. The chart follows the revenue to costs, profit and cash.
| Horizon Bancorp (HBNC) | Central Pacific Financial (CPF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $77.1M | $76.8M |
| Revenue growth, Y/Y | — | +3% |
| Operating margin | 44.5% | 39.3% |
| Net earnings | $28.7M | $22.8M |
| Net margin | 37.2% | 29.6% |
| Operating cash flow | $29.4M | $29.9M |
| Free cash flow | $26.6M | $28.1M |
Where the revenue comes from
Horizon Bancorp
- Net interest income: $65.2M (85%)
- Noninterest income: $11.9M (15%)
Questions
Which is bigger, Horizon Bancorp or Central Pacific Financial?
Horizon Bancorp is the larger company: $77.1M of revenue in its latest quarter (Q3 2026) against $76.8M for Central Pacific Financial (Q3 2026).
Is Horizon Bancorp or Central Pacific Financial growing faster?
Horizon Bancorp is more profitable, with an operating margin of 44.5% against 39.3%.
More: Horizon Bancorp earnings · how Horizon Bancorp makes money · Central Pacific Financial earnings · how Central Pacific Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Oct 28, 2026). Fiscal quarters can end on different dates. Not investment advice.