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HBNC vs V

HBNC
Horizon Bancorp, Inc.
NEUTRAL
Price
$17.68
Market Cap
$905.7M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HBNC
--
V
28.35
Forward P/E
HBNC
8.07
V
20.79
P/B Ratio
HBNC
1.32
V
15.09
P/S Ratio
HBNC
-31.38
V
14.08
EV/EBITDA
HBNC
--
V
20.06

Profitability

Gross Margin
HBNC
0.0%
V
97.78%
Operating Margin
HBNC
47.27%
V
68.3%
Profit Margin
HBNC
0.0%
V
50.23%
ROE
HBNC
-20.73%
V
53.95%
ROA
HBNC
-2.11%
V
18.36%

Growth

Revenue Growth
HBNC
218.7%
V
14.6%
Earnings Growth
HBNC
--
V
17.4%

Financial Health

Debt/Equity
HBNC
--
V
0.55
Current Ratio
HBNC
--
V
1.11
Quick Ratio
HBNC
--
V
0.72

Dividends

Dividend Yield
HBNC
3.62%
V
0.89%
Payout Ratio
HBNC
54.7%
V
22.91%

AI Verdict

HBNC NEUTRAL

HBNC presents a stark contradiction between valuation and fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock appears undervalued with a Forward P/E of 8.07 and a PEG of 0.80, the negative ROE (-20.73%) and ROA (-2.11%) indicate significant operational inefficiency or temporary distress. Despite astronomical revenue growth (218.7%), earnings are declining YoY (-18.5%), suggesting that top-line expansion is not translating to profitability. The technical trend is currently bearish (0/100), offsetting the positive analyst target of $20.80.

Strengths
Attractive Forward P/E ratio of 8.07
Low PEG ratio (0.80) suggesting undervaluation relative to growth
Strong historical earnings beat record (3/4 in last 4 quarters)
Risks
Critical financial health weakness (Piotroski F-Score 2/9)
Negative Return on Equity (-20.73%) and Return on Assets (-2.11%)
Negative YoY EPS growth (-18.5%) despite revenue surge
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

HBNC vs V: Head-to-Head Comparison

This page compares Horizon Bancorp, Inc. (HBNC) and Visa Inc. (V) 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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