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HBNC

NEUTRAL
$17.7 Live
Horizon Bancorp, Inc. · NASDAQ
Target $20.8 (+17.5%)
$12.71 52W Range $19.07
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 11, 2026
Market cap
$906.7M
P/E
N/A
ROE
-20.7%
Profit margin
N/A
Debt/Equity
N/A
Dividend yield
3.62%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
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.

Key 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%)
Sustainable dividend payout ratio of 54.70%
Positive analyst consensus with a target price of $20.80

Key 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%)
Bearish technical trend score (10/100) despite recent price gains
Revenue growth is not translating into bottom-line profitability
AI Fair Value Estimate
Based on comprehensive analysis
$18.25
+3.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
48
Moderate
Value
65
Future
40
Past
60
Health
20
Dividend
55
AI Verdict
Speculative Value
Key drivers: Low valuation multiples, Severe fundamental health deterioration, Divergence between revenue growth and earnings
Confidence
85%
Value
65/100

Ref P/E, P/B

Positives
  • Forward P/E is very low at 8.08
  • P/B ratio of 1.32 is reasonable for regional banks
Watchpoints
  • Negative profit margins
  • Lack of Graham Number for defensive baseline
Future
40/100

Ref Growth rates

Positives
  • Explosive YoY revenue growth of 218.7%
Watchpoints
  • Negative YoY EPS growth
  • Recent Q/Q EPS collapse
Past
60/100

Ref Historical trends

Positives
  • Consistent track record of beating analyst estimates
  • Strong 3-year price appreciation (+84%)
Watchpoints
  • Recent earnings progression showing volatility
Health
20/100

Ref Piotroski F-Score, ROE, ROA

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score of 2/9 is in the 'Weak' category
  • Negative ROE and ROA
Dividend
55/100

Ref Yield, Payout

Positives
  • Yield of 3.62% provides some income floor
Watchpoints
  • Payout ratio may become unsustainable if earnings continue to decline

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$17.7
Analyst Target
$20.8
Upside/Downside
+17.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HBNC and closest competitors.

Updated 2026-04-10
HBN
Horizon Bancorp, Inc.
Primary
5Y
+14.7%
3Y
+84.0%
1Y
+41.5%
6M
+19.9%
1M
+11.7%
1W
+5.6%
CHI
Calamos Convertible Opportunities and Income Fund
Peer
5Y
+21.9%
3Y
+45.1%
1Y
+45.7%
6M
+8.3%
1M
+3.9%
1W
+5.4%
CHY
Calamos Convertible and High Income Fund
Peer
5Y
+18.4%
3Y
+43.7%
1Y
+38.4%
6M
+5.6%
1M
+1.1%
1W
+4.7%
AMT
Amerant Bancorp Inc.
Peer
5Y
+51.5%
3Y
-18.1%
1Y
-7.8%
6M
+5.9%
1M
+5.1%
1W
+2.0%
AWF
AllianceBernstein Global High Income Fund
Peer
5Y
+32.4%
3Y
+32.7%
1Y
+5.2%
6M
-0.2%
1M
-1.0%
1W
+0.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
8.08
PEG Ratio
N/A
P/B Ratio
1.32
P/S Ratio
-31.41
EV/Revenue
-40.46
EV/EBITDA
N/A
Market Cap
$906.7M

Profitability

Profit margins and return metrics

Profit Margin N/A
Operating Margin 47.27%
Gross Margin N/A
ROE -20.73%
ROA -2.11%

Growth

Revenue and earnings growth rates

Revenue Growth +218.7%
Earnings Growth N/A
Q/Q Revenue Growth +222.24%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.07

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
36.5%
Total Assets
$6.4B
Liabilities
$5.7B
Equity
$0.7B
Debt/Equity
8.35x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22
$N/A
2026-01-21
$0.53
+6.4% surprise
2025-10-22
$1.63
+243.3% surprise
2025-07-23
$0.47
+7.2% surprise

Financial Services Sector Comparison

Comparing HBNC against 341 companies in the Financial Services sector (60 bullish, 147 neutral, 134 bearish)
Return on Equity (ROE)
-20.73%
This Stock
vs
-0.66%
Sector Avg
+3034.4% (Excellent)
Revenue Growth
218.7%
This Stock
vs
44.9%
Sector Avg
+387.0% (Fast Growth)

Similar Companies

Peer comparison within the same industry

HBNC Horizon Bancorp, Inc.
NEUTRAL
Mkt Cap
$907M
P/E
-
ROE
-20.7%
Price
$17.7
CHI Calamos...
BULLISH
Mkt Cap
$901M
P/E
5.2
ROE
21.0%
Price
$11.32
 Compare with HBNC
CHY Calamos...
BULLISH
Mkt Cap
$912M
P/E
4.9
ROE
21.1%
Price
$11.4
 Compare with HBNC
AMTB Amerant Bancorp Inc.
NEUTRAL
Mkt Cap
$900M
P/E
12.9
ROE
7.2%
Price
$21.26
 Compare with HBNC
AWF AllianceBernste...
NEUTRAL
Mkt Cap
$914M
P/E
12.5
ROE
7.4%
Price
$10.6
 Compare with HBNC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

PRAME THOMAS M
Chief Executive Officer
Stock Award
2026-03-17
14,159 shares
KERBER LYNN M
Officer
Stock Award
2026-03-17
4,128 shares
DERUITER KATHIE A
Officer
Stock Award
2026-03-17
3,604 shares
ETZLER TODD A
General Counsel
Stock Award
2026-03-17
3,020 shares
STEWART JOHN R.
Chief Financial Officer
Stock Award
2026-03-17
6,714 shares
WALKER BRIAN C
Director
Stock Award
2026-02-27
2,662 shares · $44,988
MAGNESEN LARRY S.
Director
Stock Award
2026-02-27
2,662 shares · $44,988
BLACKHURST ERIC P
Director
Stock Award
2026-02-27
2,662 shares · $44,988
MAASS BRIAN W.
Director
Stock Award
2026-02-27
2,662 shares · $44,988
WILLIAMS VANESSA PETERSON
Director
Stock Award
2026-02-27
2,662 shares · $44,988
SAMUELS MICHELE ANNETTE
Director
Stock Award
2026-02-27
2,662 shares · $44,988
MAGNUSON MICHELE M
Director
Stock Award
2026-02-27
2,662 shares · $44,988
MAGNESEN LARRY S.
Director
Buy
2025-11-24
4,000 shares · $65,640
WILLIAMS VANESSA PETERSON
Director
Gift
2025-10-30
500 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
5 analysts
Keefe, Bruyette & Woods
2026-01-23
Maintains
Outperform Outperform

Past News Coverage

Recent headlines mentioning HBNC from our newsroom.

Newest → oldest
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