Horizon Bancorp Q4 net income $26.9M ($0.53 EPS); NIM expands to 4.29%, ROA 1.63%

HORIZON BANCORP INC /IN/

2025-FY EPS reported -$3.24

Q4 net income $26.9M ($0.53 diluted EPS) vs Q3 net loss $222.0M (-$4.69) and Q4 2024 net loss $10.9M (-$0.25).
Net interest margin (FTE) 4.29%, ninth consecutive quarterly expansion, up from 3.52% in Q3 and 2.97% in Q4 2024.
Commercial loan growth $75.8M (9.1% annualized); total loans HFI up 4.4% annualized linked quarter.
Credit quality: annualized net charge-offs 0.08%; non-performing assets 0.63% of total assets.
Tangible book value per share $10.32, up $0.56 from Q3; dividend unchanged at $0.16 per share.

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