Horizon Bancorp (IN)

NAS:HBNCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$19.70+2.50%At closeAt close · Wed 21 Oct · ≈ AED 72.35 · Market cap $1.01B · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	78.3%	93.4%	87.5%	56.5%	51.2%	−29.5%	—	—
Operating margin	30.8%	41.5%	38.0%	12.2%	7.7%	−193.4%	−193.4%	+0.0 pts
Net margin	26.9%	35.3%	33.6%	8.8%	10.0%	−145.9%	−145.9%	+0.0 pts
EBITDA margin	35.7%	47.2%	42.7%	16.0%	11.2%	−181.9%	—	—
Return on equity	9.9%	12.0%	13.8%	3.9%	4.6%	−21.9%	−21.9%	+0.0 pts
Return on assets	1.2%	1.2%	1.2%	0.4%	0.5%	−2.3%	−2.3%	+0.0 pts
Return on capital employed	6.3%	6.9%	6.1%	1.8%	1.3%	−3.1%	—	—
Debt / equity	0.9×	1.1×	1.5×	1.4×	1.8×	0.6×	0.6×	+0.0%
Debt / assets	10.0%	11.2%	12.9%	13.0%	17.2%	6.3%	—	—
Interest coverage	2.3×	5.6×	2.9×	0.3×	0.2×	−1.5×	—	—
Current ratio	0.3×	0.3×	0.2×	0.2×	0.1×	1.1×	1.1×	+0.0%
Quick ratio	0.3×	0.3×	0.2×	0.2×	0.1×	1.1×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.1×	0.1×	0.8×	0.8×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Receivables turnover	11.9×	9.4×	7.9×	8.2×	8.9×	3.5×	—	—
Dividend payout	30.9%	28.4%	29.7%	101.2%	80.0%	−19.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.