HBNC$17.65
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Performance
Key Stats
AI HBNC Summary
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Powered by LiveAIOverall Analysis
BuyHorizon Bancorp shows strong fundamental performance, particularly in profitability and dividend yield, supported by a solid balance sheet. Thematic alignment is moderate. Technical indicators suggest a cautious short-term outlook with potential for a rebound.
Thematic
Horizon Bancorp operates in the banking sector, which is influenced by interest rate trends and economic growth. Its regional focus in Indiana and Michigan positions it well within those specific economies but limits broad sector thematic plays.
Fundamental
Demonstrates robust profitability, a stable dividend history, and a manageable debt level. Earnings surprise consistently, indicating operational strength. Valuation appears reasonable with a moderate P/E ratio.
Technical
The stock is trading below its 50-day and 200-day moving averages, suggesting a bearish short-term trend. However, some oscillators indicate potential for a reversal or stabilization.
| Factor | Score |
|---|---|
| Financial Sector Trends | 70 |
| Regional Economic Growth | 60 |
| Digital Transformation in Banking | 65 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 85 |
| Growth | 60 |
| Balance Sheet Health | 75 |
| Cash Flow | 50 |
| Dividend Yield | 95 |
| Earnings Consistency | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 65 |
| Volume Confirmation | 45 |
| Support & Resistance | 70 |
| Short-term Oscillators | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive EPS Surprises
Horizon Bancorp has consistently beaten EPS estimates in the last few quarters (e.g., Q2 2025: 0.56 reported vs. 0.41 estimate, 38.1% surprise). This indicates strong operational execution and potentially better-than-expected profitability.
Stable Dividend Payout
Horizon Bancorp has maintained a consistent dividend payment of $0.16 per share across several quarters, with a dividend yield around 4.0-4.7%. This suggests financial stability and a commitment to returning capital to shareholders.
Bearish Points (7)
High Quarterly P/E Ratios
Recent quarterly P/E ratios are exceptionally high (e.g., 2025 Q1 at 27.0, 2024 Q4 at -62.8, 2024 Q3 at 35.9), suggesting that the market is pricing in significant future growth, which may be difficult to achieve.
Quarterly Earnings Volatility
There are significant swings in quarterly EPS surprises and net income (e.g., a negative net income in 2024 Q4), indicating potential earnings volatility and unpredictability.
Calendar
July 2025
3
Ex-Dividend Date
July 2025
18
Next Dividend Date
October 2025
23
Next Earnings Date
H: $0.48
A: $0.47
L: $0.46
H: 68.30M
A: 68.12M
L: 67.97M
Profile
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that engages in the provision of commercial and retail banking services. The company offers checking, saving, money market, certificate of deposits, and time deposits, as well as non-interest- and interest-bearing demand deposits. It also provides commercial, residential real estate, mortgage warehouse Loans, consumer loans, land and home equity, auto, and agriculture loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; debit and credit cards; treasury management; trust and wealth management services; retirement plans; and sells various insurance products. It operates through full-service offices in northern and central Indiana and southern and central Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.
Seasonals
Price Target
18.20 USD
The 39 analysts offering 1 year price forecasts for HBNC have a max estimate of 19.00 and a min estimate of 17.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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