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HBNC Stock Chart & Stats
$20.06
$0.17(0.85%)
At close: 4:00 PM EDT
$20.06
$0.17(0.85%)
Day’s Range― - ―
52-Week Range$14.84 - $21.04
Previous CloseN/A
Volume167.71K
Average Volume (3M)348.71K
Market Cap
$1.05B
Enterprise Value$1.33K
Total Cash (Recent Filing)$1.12B
Total Debt (Recent Filing)$379.09M
Price to Earnings (P/E)―
Beta0.93
Next Earnings
Oct 28, 2026EPS Estimate
0.54Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)-3.16
Shares Outstanding51,344,520
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$23.00Price Target Upside14.66% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.12
Revenue Forecast (FY)$309.04M
Bulls Say, Bears Say
Bulls Say
Exceptional Deposit GatheringSustained, above-trend deposit inflows (including ~$61M in noninterest-bearing deposits) improve funding stability and lower reliance on wholesale funding. This durable low-cost deposit base supports loan growth, liquidity buffers and margin resilience over the next several quarters.
Stable, Above-peer Net Interest MarginA high, stable NIM and explicit guidance for mid-4% FTE NIM indicate the bank retains structural asset/pricing advantages and effective funding management. Sustained margin at this level supports core earnings power even if loan mix or reinvestment rates shift over the next 2–6 months.
Positive Operating And Free Cash FlowConsistent positive operating and free cash flow despite accounting losses demonstrates real cash-generation ability. Strong cash conversion provides durable liquidity for capital accretion, dividend support, reserves and targeted reinvestment without immediate capital raises.
Bears Say
Sharp Revenue And Margin DeteriorationA dramatic revenue decline and deeply negative net margin signal weakened core earnings capacity. Sustained top-line contraction and negative margins erode operating leverage, forcing structural cost or strategic changes to restore profitability across multiple quarters.
Negative Returns On EquitySubstantial negative ROE indicates equity is being consumed by losses, which can sap capital ratios and limit lending or M&A optionality. Even with improved leverage, persistent negative returns risk regulatory or market pressure for recapitalization over the medium term.
Mortgage/consumer Softness And Cost PressuresA pullback in mortgage/consumer origination reduces fee income and loan diversification, while anticipated higher merit and deposit costs can compress NIM and operating income. These structural headwinds may persist for several quarters and hinder margin recovery.
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 $21.04 in the past 12 months.
What is Horizon Bancorp [In]’s market cap?
Horizon Bancorp [In]’s market cap is $1.05B.
When is Horizon Bancorp [In]’s upcoming earnings report date?
Horizon Bancorp [In]’s upcoming earnings report date is Oct 28, 2026 which is in 73 days.
How were Horizon Bancorp [In]’s earnings last quarter?
Horizon Bancorp [In] released its earnings results on Jul 22, 2026. The company reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.51 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 3.11%. See more information on Horizon Bancorp [In] dividends here
What is Horizon Bancorp [In]’s EPS estimate?
Horizon Bancorp [In]’s EPS estimate is 0.54.
How many shares outstanding does Horizon Bancorp [In] have?
Horizon Bancorp [In] has 51,344,520 shares outstanding.
What happened to Horizon Bancorp [In]’s price movement after its last earnings report?
Horizon Bancorp [In] reported an EPS of $0.54 in its last earnings report, beating expectations of $0.51. Following the earnings report the stock price went down -0.792%.
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:
$23.00 (14.66% Upside)
$23.00 (14.66% Upside)
Blogger Sentiment
Bullish
HBNC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 620.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $161.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.74%
12-Months-Change
Fundamentals
Return on Equity
3.11%
Trailing 12-Months
Asset Growth
-14.09%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong fundamentals: margin expansion, mid-single-digit loan and deposit growth, double-digit noninterest income growth, very low loss experience, and improving capital ratios (CET1 11.09%, +28 bps). Headwinds were manageable and largely episodic — a $3.1M litigation accrual, isolated CRE payoffs and a few NPAs, modest deposit cost pressure, and constrained near-term securities reinvestment pickup. Overall, positives on profitability, credit quality and capital generation materially outweigh the limited operational and market challenges discussed.View all HBNC earnings summariesHBNC Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$23.00
▲(14.66% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Capitol Federal 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
0.98% Insiders
16.58% Mutual Funds
21.24% Other Institutional Investors
47.25% Public Companies and
Individual Investors









