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HBNC Stock Chart & Stats
$18.01
-$0.07(-0.45%)
At close: 4:00 PM EST
$18.01
-$0.07(-0.45%)
Day’s Range― - ―
52-Week Range$14.84 - $20.31
Previous CloseN/A
Volume30.33K
Average Volume (3M)348.71K
Market Cap
$1.03B
Enterprise Value$1.30B
Total Cash (Recent Filing)$68.35M
Total Debt (Recent Filing)$381.83M
Price to Earnings (P/E)―
Beta0.95
Next Earnings
Jul 29, 2026EPS Estimate
0.51Next Dividend Ex-DateN/A
Dividend Yield3.5%
Share Statistics
EPS (TTM)-3.18
Shares Outstanding51,329,765
10 Day Avg. Volume570,181
30 Day Avg. Volume348,712
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)1.26
Price to Sales (P/S)8.38
P/FCF Ratio11.64
Enterprise Value/Market Cap1.27
Enterprise Value/Revenue13.55
Enterprise Value/Gross Profit-54.23
Enterprise Value/Ebitda-7.12
Forecast
1Y Price Target
$21.00Price Target Upside16.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.09
Revenue Forecast (FY)$308.49M
Bulls Say, Bears Say
Bulls Say
Exceptional Deposit GatheringSustained, strong deposit inflows (notably large noninterest-bearing growth) materially improve funding stability and lower funding costs over time. That durable deposit base supports disciplined loan growth, preserves NIM flexibility versus wholesale funding, and underpins capital accumulation and dividend capacity.
Improving Regulatory CapitalMeaningful capital accretion provides a multi-quarter buffer to absorb credit volatility and supports organic growth without heavy external capital. Strong regulatory capital increases strategic optionality for lending, share repurchases or dividends and reduces regulatory constraints on expansion in the regional banking franchise.
Positive Operating And Free Cash FlowConsistent positive operating and free cash flow despite accounting volatility signals durable cash-generative operations. Cash strength supports reinvestment in origination and digital channels, funds capital returns and builds reserves, and reduces reliance on external funding through multiple business cycles.
Bears Say
Sharp Profitability DeteriorationA sustained swing to net losses and severe margin pressure erodes retained earnings and undermines the bank's ability to self-fund growth or absorb shocks. Continued earnings volatility complicates planning, may limit capital returns, and increases sensitivity to credit or rate shocks over the medium term.
Balance-sheet Contraction & Negative ROEA shrinking asset base combined with negative ROE signals the franchise is not currently scaling profitably. Contraction reduces interest-earning capacity and operating leverage, making it harder to achieve sustainable growth and to restore long-term return targets without strategic actions.
Mortgage/consumer Loan PullbackDeliberate retreat from lower-yielding mortgage opportunities protects margins but trims a significant, steady origination channel and fee income. If sustained, this narrows product diversification and lengthens the timeline to grow earning assets and fees, pressuring long-term revenue mix resilience.
Horizon Bancorp News
HBNC FAQ
What was Horizon Bancorp [In]’s price range in the past 12 months?
Horizon Bancorp [In] lowest stock price was $14.84 and its highest was $20.31 in the past 12 months.
What is Horizon Bancorp [In]’s market cap?
Horizon Bancorp [In]’s market cap is $1.03B.
When is Horizon Bancorp [In]’s upcoming earnings report date?
Horizon Bancorp [In]’s upcoming earnings report date is Jul 29, 2026 which is in 28 days.
How were Horizon Bancorp [In]’s earnings last quarter?
Horizon Bancorp [In] released its earnings results on Apr 22, 2026. The company reported $0.51 earnings per share for the quarter, beating the consensus estimate of $0.48 by $0.03.
Is Horizon Bancorp [In] overvalued?
According to Wall Street analysts Horizon Bancorp [In]’s price is currently Undervalued.
Does Horizon Bancorp [In] pay dividends?
Horizon Bancorp [In] pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 3.5%. See more information on Horizon Bancorp [In] dividends here
What is Horizon Bancorp [In]’s EPS estimate?
Horizon Bancorp [In]’s EPS estimate is 0.51.
How many shares outstanding does Horizon Bancorp [In] have?
Horizon Bancorp [In] has 51,329,765 shares outstanding.
What happened to Horizon Bancorp [In]’s price movement after its last earnings report?
Horizon Bancorp [In] reported an EPS of $0.51 in its last earnings report, beating expectations of $0.48. Following the earnings report the stock price went up 1.425%.
Which hedge fund is a major shareholder of Horizon Bancorp [In]?
Currently, no hedge funds are holding shares in HBNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Horizon Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$21.00 (16.60% Upside)
$21.00 (16.60% Upside)
Blogger Sentiment
Bullish
HBNC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 620.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $24.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.74%
12-Months-Change
Fundamentals
Return on Equity
-20.89%
Trailing 12-Months
Asset Growth
-13.95%
Trailing 12-Months
Company Description
Horizon Bancorp [In]
Horizon Bancorp, Inc. acts as the parent organization for Horizon Bank, overseeing the delivery of a full spectrum of commercial and retail banking services. The company provides a variety of deposit options and extends diverse loan products, including commercial, residential real estate, specialized mortgage warehouse, and consumer credit facilities. Furthermore, it offers corporate and individual trust and agency services, investment management, and real estate investment trust (REIT) solutions, alongside a selection of insurance offerings. With a footprint of 78 full-service branch locations, Horizon Bancorp serves customers across northern and central Indiana, and southern and central Michigan. This organization, which was founded in 1873, maintains its principal office in Michigan City, Indiana.
HBNC Company Deck
HBNC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive tone: strong profitability (ROA and ROTCE), improved capital (CET1 +40 bps), exceptional deposit gathering, disciplined loan growth with supportive credit metrics, and reiterated 2026 guidance. The few negatives — tactical mortgage/consumer pullback, a small NIM drag from elevated cash, modestly higher nonperforming loans, and expected near-term expense/deposit-cost pressures — are relatively limited and described as manageable. Overall the company's messaging emphasized durable franchise strength, capital optionality and confidence in executing the 2026 plan.View all HBNC earnings summariesHBNC Stock 12 Month Forecast
Average Price Target
$21.00
▲(16.60% Upside)
Technical Analysis
Capitol Federal Financial
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Central Pacific Financial
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Heritage Financial
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Amalgamated Bank
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Amerant Bancorp
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Ownership Overview
1.00% Insiders
16.59% Mutual Funds
26.80% Other Institutional Investors
41.44% Public Companies and
Individual Investors