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Equity
Horizon Bancorp(HBNC)
USD --+0.00%
Reward38Moderate
Risk62Medium-High
📊75%Data
3.7% dividend yield · Revenue growing 219% YoY
HBNC
+0.0 · +0.00%
USD · NASDAQ
Horizon Bancorp | Financial Services
Capital Destroyer
Market Cap:903.48M
ℹ️
Reward Rating
38
Moderate
Bottom 5% (model universe)
75% data coverage
ℹ️
Risk Rating
62
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on HBNC to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $21.20.

What is Horizon Bancorp?

operates as the bank holding company for Horizon Bank that engages in the provision of commercial and retail banking services.

HBNC · Verdict

Limited reward · elevated risk

HBNC's standout is valuation; profitability and growth weigh on the picture.

Based on 88% data coverage

HBNC · Verdict

What’s working & what to watch

Strengths 1

  • Valuation67/100

    P/E 11.0× · PEG 1.62

Watchouts 4

  • Profitability21/100

    -146% net margin · -27% ROE

  • Growth29/100

    Revenue -28.1% CAGR

  • Cash flow30/100

    40% free-cash-flow margin

  • Balance sheet33/100

    Current ratio 0.09

Model-based scoring. For information only — not financial advice.

What is Horizon Bancorp?

operates as the bank holding company for Horizon Bank that engages in the provision of commercial and retail banking services. The company offers checking, saving, money market, certificate of deposits, and time deposits, as well as non-interest- and interest-bearing demand deposits. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 903.48M.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Moderate (38)

The scoring profile indicates weak reward characteristics across most factors, including valuation and momentum. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap903.48M
P/E RatioN/A
Dividend Yield3.72%
52 Week High19.07
52 Week Low12.3316
Last AnnualDecember
IPO Date12/17/2001
IncorporatedUSA
Shares Outstanding51M
No. of Employees841
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.81
CurrencyUSD
Websitewww.horizonbank.com
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