Horizon Bancorp (HBNC) reported $68.77 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 29.2%. EPS of $0.54 for the same period compares to $0.32 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $63.2 million, representing a surprise of +8.81%. The company delivered an EPS surprise of +35.00%, with the consensus EPS estimate being $0.40.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Horizon Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 57.2% versus the three-analyst average estimate of 63.1%.

• Net Interest Margin: 3% versus the three-analyst average estimate of 3.1%.

• Annualized net charge-offs of average total loans: 0.1% versus the two-analyst average estimate of 0.1%.

• Average Balance - Total interest earning assets: $7.23 billion versus the two-analyst average estimate of $7.38 billion.

• Gain on sale of mortgage loans: $1.08 million versus the three-analyst average estimate of $0.92 million.

• Total non-interest income: $16.50 million compared to the $9.97 million average estimate based on three analysts.

• Net Interest Income: $52.27 million versus $53.24 million estimated by three analysts on average.

• Mortgage servicing income net of impairment: $0.39 million compared to the $0.39 million average estimate based on two analysts.

• Increase in cash value of bank owned life insurance: $0.34 million compared to the $0.32 million average estimate based on two analysts.

• Other income: $7.26 million compared to the $0.45 million average estimate based on two analysts.

• Interchange fees: $3.24 million compared to the $3.24 million average estimate based on two analysts.

• Wire transfer fees: $0.07 million compared to the $0.10 million average estimate based on two analysts.

View all Key Company Metrics for Horizon Bancorp here>>>

Shares of Horizon Bancorp have returned -9.5% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.