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CHI vs HBNC

CHI
Calamos Convertible Opportunities and Income Fund
BULLISH
Price
$11.32
Market Cap
$901.4M
Sector
Financial Services
AI Confidence
50%
HBNC
Horizon Bancorp, Inc.
NEUTRAL
Price
$17.70
Market Cap
$906.7M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CHI
5.17
HBNC
--
Forward P/E
CHI
--
HBNC
8.08
P/B Ratio
CHI
1.02
HBNC
1.32
P/S Ratio
CHI
44.28
HBNC
-31.41
EV/EBITDA
CHI
--
HBNC
--

Profitability

Gross Margin
CHI
100.0%
HBNC
0.0%
Operating Margin
CHI
37.33%
HBNC
47.27%
Profit Margin
CHI
847.56%
HBNC
0.0%
ROE
CHI
20.99%
HBNC
-20.73%
ROA
CHI
0.49%
HBNC
-2.11%

Growth

Revenue Growth
CHI
-30.2%
HBNC
218.7%
Earnings Growth
CHI
171.3%
HBNC
--

Financial Health

Debt/Equity
CHI
0.49
HBNC
--
Current Ratio
CHI
5.25
HBNC
--
Quick Ratio
CHI
0.93
HBNC
--

Dividends

Dividend Yield
CHI
10.17%
HBNC
3.62%
Payout Ratio
CHI
52.05%
HBNC
54.7%

AI Verdict

CHI BULLISH

CHI shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 7/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 5.2
Undervalued vs Graham Number ($23.4)
Strong profitability (847.6% margin)
Risks
Declining revenue (-30.2%)
HBNC NEUTRAL

HBNC presents a stark contrast between poor fundamental health and attractive valuation. The Piotroski F-Score of 2/9 indicates significant financial weakness, further evidenced by a negative ROE of -20.73% and ROA of -2.11%. While the forward P/E of 8.08 and analyst target of $20.80 suggest value, the disconnect between massive revenue growth (218.7%) and declining EPS growth (-18.5%) suggests inefficient scaling or high acquisition costs. The stock is currently a high-risk value play with deteriorating internal health metrics.

Strengths
Low forward P/E ratio of 8.08
Strong history of earnings beats (3 of last 4 quarters)
Significant recent price momentum (1Y change +41.5%)
Risks
Critically low Piotroski F-Score (2/9) indicating poor financial health
Negative Return on Equity (-20.73%) and Return on Assets (-2.11%)
Sharp decline in Q/Q EPS growth (-67.5%)

Compare Another Pair

CHI vs HBNC: Head-to-Head Comparison

This page compares Calamos Convertible Opportunities and Income Fund (CHI) and Horizon Bancorp, Inc. (HBNC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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