Filing Flows › Comparisons › HBNC vs THFF
Horizon Bancorp vs First Financial: HBNC and THFF compared
Horizon Bancorp is the larger company: $77.1M of revenue in its latest quarter (Q3 2026) against $75.0M for First Financial (Q3 2026). First Financial is more profitable, with an operating margin of 45.9% against 44.5%.
Where the money goes: HBNC and THFF
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.
First Financial (THFF) · Q3 2026
First Financial, Q3 2026: revenue $75.0M (+14% year over year), operating margin 45.9%, net earnings $27.4M, operating cash flow $36.0M. The chart follows the revenue to costs, profit and cash.
| Horizon Bancorp (HBNC) | First Financial (THFF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $77.1M | $75.0M |
| Revenue growth, Y/Y | — | +14% |
| Operating margin | 44.5% | 45.9% |
| Net earnings | $28.7M | $27.4M |
| Net margin | 37.2% | 36.6% |
| Operating cash flow | $29.4M | $36.0M |
| Free cash flow | $26.6M | $34.9M |
Where the revenue comes from
Horizon Bancorp
- Net interest income: $65.2M (85%)
- Noninterest income: $11.9M (15%)
First Financial
- Net interest income: $63.5M (85%)
- Noninterest income: $11.4M (15%)
Questions
Which is bigger, Horizon Bancorp or First Financial?
Horizon Bancorp is the larger company: $77.1M of revenue in its latest quarter (Q3 2026) against $75.0M for First Financial (Q3 2026).
Is Horizon Bancorp or First Financial growing faster?
First Financial is more profitable, with an operating margin of 45.9% against 44.5%.
More: Horizon Bancorp earnings · how Horizon Bancorp makes money · First Financial earnings · how First Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.