Earnings Data
Report Date
Jul 22, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.45Last Year’s EPS
0.41Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive tone: strong profitability (ROA and ROTCE), improved capital (CET1 +40 bps), exceptional deposit gathering, disciplined loan growth with supportive credit metrics, and reiterated 2026 guidance. The few negatives — tactical mortgage/consumer pullback, a small NIM drag from elevated cash, modestly higher nonperforming loans, and expected near-term expense/deposit-cost pressures — are relatively limited and described as manageable. Overall the company's messaging emphasized durable franchise strength, capital optionality and confidence in executing the 2026 plan.Company Guidance
Strong Profitability Metrics
Annualized return on average assets above 1.60% and return on average tangible common equity above 19%, indicating durable, peer-leading profitability.
Stable Net Interest Margin
Net interest margin (NIM) remained unchanged QoQ at 4.29%, with guidance for full-year FTE NIM of 4.25%–4.35% maintained despite removal of assumed rate cuts.
Capital Accretion and Strength
CET1 ratio improved 40 basis points to 10.82% in the quarter and total risk-based capital rose to 14.77%, driven by strong profitability and modest decline in risk-weighted assets.
Exceptional Deposit Gathering
Quarterly deposit growth of approximately $147 million (about 11% annualized), including ~$61 million growth in noninterest-bearing deposits, improving funding stability and liquidity.
Commercial Loan Growth and Balanced Origination
Total loans held for investment ended at $4.87 billion with $34.2 million quarter-over-quarter commercial loan growth; 37% of the net quarterly increase was C&I loans (versus 30% share of commercial portfolio), demonstrating diversification.
Healthy Credit Metrics
Nonperforming loans of $37.0 million (0.76% of total loans) and substandard loans of $63.4 million (1.3% of loans), with net charge-offs of $626,000 (5 basis points annualized) and allowance for credit losses of $51.3 million (1.05% of loans).
Fee Income Momentum
Core fee income (excluding a $7 million warehouse gain and prior-year modest securities losses) rose ~13% year-over-year, powered by service charges, interchange and fiduciary activities; fee income guidance remains in the mid-$40 million range for the year.
Disciplined Expense Management and Unchanged Guidance
Q1 noninterest expense was $40.7 million (in line with expectations); full-year expense guidance remains in the mid-$160 million range and other 2026 guidance (loan/deposit mid-single-digit growth, average earning assets >$6B, effective tax rate 18%–20%) was reiterated.
DE:4WC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:4WC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 22, 2026 | €14.40 | €14.60 | +1.39% |
Jan 21, 2026 | €13.27 | €13.27 | 0.00% |
Oct 22, 2025 | €13.04 | €13.34 | +2.25% |
Jul 23, 2025 | €12.91 | €12.81 | -0.75% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Horizon Bancorp [In] (DE:4WC) report earnings?
Horizon Bancorp [In] (DE:4WC) is schdueled to report earning on Jul 22, 2026, After Close (Confirmed).
What is Horizon Bancorp [In] (DE:4WC) earnings time?
Horizon Bancorp [In] (DE:4WC) earnings time is at Jul 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Horizon Bancorp [In] stock?
The P/E ratio of Horizon Bancorp is N/A.
What is DE:4WC EPS forecast?
DE:4WC EPS forecast for the fiscal quarter 2026 (Q2) is 0.45.