Horizon Bancorp(US:HBNC) ZACKS·2025-10-15 15:06Core Viewpoint - Horizon Bancorp (HBNC) is expected to report a year-over-year increase in earnings and revenues for the quarter ended September 2025, with earnings per share (EPS) estimated at $0.46, reflecting a 12.2% increase, and revenues projected at $67 million, up 14.7% from the previous year [1][3]. Earnings Expectations - The stock price may rise if the actual earnings exceed expectations in the upcoming earnings report scheduled for October 22, while a miss could lead to a decline in stock price [2]. - The consensus EPS estimate has been revised down by 2.14% over the last 30 days, indicating a bearish sentiment among analysts regarding the company's earnings prospects [4][12]. Earnings Surprise Prediction - The Zacks Earnings ESP (Expected Surprise Prediction) model indicates that Horizon Bancorp has an Earnings ESP of -2.17%, suggesting a lower Most Accurate Estimate compared to the Zacks Consensus Estimate [8][12]. - The company currently holds a Zacks Rank of 3, making it challenging to predict a positive earnings surprise [12]. Historical Performance - In the last reported quarter, Horizon Bancorp exceeded the consensus EPS estimate of $0.44 by delivering earnings of $0.47, resulting in a surprise of +6.82% [13]. - Over the past four quarters, the company has beaten consensus EPS estimates three times [14]. Comparative Industry Analysis - Bridgewater (BWB), another player in the Zacks Banks - Northeast industry, is expected to report earnings of $0.41 per share, reflecting a significant year-over-year increase of 51.9%, with revenues projected at $37.1 million, up 36.8% [18][19]. - Bridgewater has an Earnings ESP of +4.88% and a Zacks Rank of 1 (Strong Buy), indicating a high likelihood of beating the consensus EPS estimate [20].