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HBNC Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
16.160
Open
16.160
VWAP
16.00
Vol
255.63K
Mkt Cap
815.65M
Low
15.850
Amount
4.09M
EV/EBITDA(TTM)
--
Total Shares
50.98M
EV
1.16B
EV/OCF(TTM)
--
P/S(TTM)
--
Horizon Bancorp, Inc. is a commercial bank holding company for Horizon Bank (the Bank), which serves customers across Midwestern markets through convenient digital and virtual tools, as well as its Indiana and Michigan branches. Its retail offerings include prime residential and other secured consumer lending to in-market customers, as well as a range of personal banking and wealth management solutions. It also provides a comprehensive array of in-market business banking and treasury management services, as well as equipment financing solutions for customers regionally and nationally, with commercial lending representing over half of total loans. The Company operates in a single segment, namely, commercial banking. The Bank maintains approximately 71 full-service offices. It has wholly owned direct and indirect subsidiaries: Horizon Investments, Inc., Horizon Properties, Inc., Horizon Insurance Services, Inc., Horizon Grantor Trust and Wolverine Commercial Holdings, LLC.
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Events Timeline

(ET)
2026-01-26
10:40:00
Horizon Bancorp Board Member James Dworkin Announces Retirement
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2026-01-21 (ET)
2026-01-21
16:20:00
Horizon Reports Q4 Tangible Book Value of $10.32
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2025-10-22 (ET)
2025-10-22
16:20:13
Horizon Bancorp Announces Q3 Earnings Per Share of $4.69, Up from 41 Cents Year-Over-Year
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2025-08-21 (ET)
2025-08-21
06:51:29
Horizon Bancorp Sets Price at $14.50 for 6.2 Million Share Spot Secondary Offering
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2025-08-20 (ET)
2025-08-20
16:05:24
Horizon Bancorp Reveals Common Stock Offering, Amount Not Disclosed
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News

Newsfilter
5.0
01-26Newsfilter
Horizon Bancorp Board Members Retire
  • Board Member Retirement: Horizon Bancorp announced that James Dworkin will retire from the Board of Directors on May 7, 2026, concluding his tenure since 2003, which may impact the company's governance structure and future strategic direction.
  • Independent Director Resignation: Julie Freigang resigned from the Board on January 20, 2026, affecting the company's governance in cybersecurity, potentially leading to a reassessment of related risk management practices.
  • Governance Contributions Acknowledged: Board Chairman Eric Blackhurst noted that the contributions of Dworkin and Freigang have been critical to Horizon Bank's growth, highlighting the importance of independent directors in corporate governance.
  • Company Background: Horizon Bancorp is a $6.4 billion asset commercial bank holding company providing diverse personal and business banking services, and changes in the board may affect its market competitiveness and customer service strategies.
seekingalpha
9.5
01-22seekingalpha
Horizon Bancorp (HBNC) Reports Q4 2025 Net Interest Margin of 4.29%
  • Strong Financial Performance: Horizon Bancorp reported an annualized return on average assets exceeding 1.6% and an approaching 16% return on average equity in Q4 2025, with a net interest margin of 4.29%, demonstrating the core strength of its community banking model and successful balance sheet repositioning.
  • Sustained Loan Growth: Total loans reached $4.9 billion as of December 31, increasing by $60.7 million from September 30, with commercial loans growing by $76 million in Q4, representing a 9% annualized growth rate, further solidifying the company's market position.
  • Improved Credit Quality: Non-performing loans represented 72 basis points in Q4, up from 64 basis points in Q3, while substandard loans decreased to $59.4 million, accounting for 1.22% of total loans, indicating overall credit quality remains robust.
  • Optimistic Outlook: Management projects an increase in net interest margin for 2026 to a range of 4.25% to 4.35%, with loan and deposit balances expected to grow in the mid-single digits, reflecting confidence in organic core deposit growth and commercial loan expansion.
seekingalpha
9.5
01-21seekingalpha
Horizon Bancorp Q4 EPS of $0.53 Beats Estimates, Net Interest Income Up 8.7%
  • Earnings Beat: Horizon Bancorp reported a Q4 GAAP EPS of $0.53, exceeding estimates by $0.03, indicating a sustained enhancement in profitability that may boost investor confidence.
  • Net Interest Income Growth: The net interest income reached $63.5 million, reflecting an 8.7% increase from the previous quarter and a 19.5% rise compared to $53.1 million a year ago, showcasing effective management in a challenging interest rate environment.
  • Loan Investment Increase: Total loans held for investment rose by 4.4% on an annualized basis, with strong organic commercial loan growth of $75.8 million, or 9.1% annualized, indicating robust market demand that supports sustainable future revenue growth.
  • Improved Financial Position: Horizon Bancorp's transformed balance sheet has attracted investor attention, which is expected to further enhance the company's performance in a competitive financial market.
Globenewswire
9.5
01-02Globenewswire
Horizon Bancorp to Release Q4 2025 Financial Results on January 22, 2026
  • Earnings Call Schedule: Horizon Bancorp will host a conference call on January 22, 2026, at 7:30 a.m. CT to review its Q4 2025 financial results, with the earnings release set for after market close on January 21, ensuring timely access to critical information for investors.
  • Participation Instructions: Investors can join the call by dialing 833-974-2379 from the U.S., 866-450-4696 from Canada, or 412-317-5772 internationally, with a recommendation to call in 10 minutes early to enhance the investor experience and ensure smooth access.
  • Call Replay Availability: A telephone replay will be available approximately one hour after the call ends until January 30, 2026, allowing investors who cannot attend live to access the content by calling 855-669-9658 from the U.S. and Canada or 412-317-0088 internationally, ensuring broader access to the information shared.
  • Company Background: Horizon Bancorp is a $6.7 billion-asset commercial bank holding company that offers a diverse range of personal and business banking services across attractive Midwestern markets, highlighting its significant role and market potential in the regional economy.
Yahoo Finance
9.5
01-01Yahoo Finance
Eagle Bancorp Projects 42.3% Annual Growth Over Next Three Years
  • Valuation Potential: Eagle Bancorp is currently trading at $21.42, significantly below its fair value of $31.99, indicating a potential upside of 33%, and despite a net loss of $67.51 million in Q3 2025, its strong fundamentals continue to attract investor interest.
  • Revenue Growth Outlook: The company is projected to achieve an annual revenue growth rate of 42.3% over the next three years, significantly outpacing the broader U.S. market's growth rate of 10.5%, which will aid in restoring profitability in a competitive banking landscape.
  • Bad Debt Risk: Although facing a high bad loans ratio of 8.8% that could impact future profitability, the robust revenue growth and earnings outlook still provide confidence to investors, indicating the company is actively addressing challenges.
  • Market Positioning: As a bank holding company with a market cap of $640.83 million, Eagle Bancorp focuses on commercial and consumer banking services in the U.S., and it is expected to enhance its competitive edge through operational optimization and improved service quality.
Globenewswire
5.0
2025-12-22Globenewswire
Horizon Bank Appoints Pam Zarazee as Senior VP of Human Resources
  • Leadership Appointment: Horizon Bank has appointed Pam Zarazee as Senior Vice President of Human Resources, where she will lead HR functions aimed at enhancing employee engagement and talent management, which is expected to strengthen company culture and employee satisfaction.
  • Strategic Team Involvement: Zarazee will join the executive team to promote an advisor-driven culture, leveraging her extensive experience in employee development and engagement to accelerate the achievement of HR department's strategic goals.
  • Diverse Industry Experience: With leadership experience across various industries, Zarazee is poised to effectively implement talent plans and feedback mechanisms, thereby improving employee satisfaction and overall company performance.
  • Educational Background: Zarazee holds a Bachelor’s degree in Human Resources and Business from Indiana University and a Master’s degree from the University of Notre Dame, which is expected to elevate the company's HR management standards.
Wall Street analysts forecast HBNC stock price to rise
3 Analyst Rating
Wall Street analysts forecast HBNC stock price to rise
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
18.50
Averages
18.75
High
19.00
Current: 0.000
sliders
Low
18.50
Averages
18.75
High
19.00
Keefe Bruyette
Damon DelMonte
maintain
$19 -> $21
AI Analysis
2026-01-23
Reason
Keefe Bruyette
Damon DelMonte
Price Target
$19 -> $21
AI Analysis
2026-01-23
maintain
Reason
Keefe Bruyette analyst Damon DelMonte raised the firm's price target on Horizon Bancorp to $21 from $19 and keeps an Outperform rating on the shares.
Stephens
Overweight
maintain
$19 -> $22
2025-09-02
Reason
Stephens
Price Target
$19 -> $22
2025-09-02
maintain
Overweight
Reason
Stephens raised the firm's price target on Horizon Bancorp to $22 from $19 and keeps an Overweight rating on the shares after the company announced and partially executed a plan to strengthen the balance sheet from a capital and liquidity standpoint. The firm, which expects Q3 and Q4 earnings to be "noisy," notes that its 2025 operating EPS estimate remains $1.80 and its 2026 estimate rises to $2.00 from $1.90.
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Valuation Metrics

The current forward P/E ratio for Horizon Bancorp Inc (HBNC.O) is 8.30, compared to its 5-year average forward P/E of 9.00. For a more detailed relative valuation and DCF analysis to assess Horizon Bancorp Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
9.00
Current PE
8.30
Overvalued PE
10.08
Undervalued PE
7.92

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.79
Current PS
2.82
Overvalued PS
3.26
Undervalued PS
2.31

Financials

AI Analysis
Annual
Quarterly

Whales Holding HBNC

S
Sapient Capital, LLC
Holding
HBNC
-6.84%
3M Return

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Frequently Asked Questions

What is Horizon Bancorp Inc (HBNC) stock price today?

The current price of HBNC is 16 USD — it has decreased -1.05

What is Horizon Bancorp Inc (HBNC)'s business?

Horizon Bancorp, Inc. is a commercial bank holding company for Horizon Bank (the Bank), which serves customers across Midwestern markets through convenient digital and virtual tools, as well as its Indiana and Michigan branches. Its retail offerings include prime residential and other secured consumer lending to in-market customers, as well as a range of personal banking and wealth management solutions. It also provides a comprehensive array of in-market business banking and treasury management services, as well as equipment financing solutions for customers regionally and nationally, with commercial lending representing over half of total loans. The Company operates in a single segment, namely, commercial banking. The Bank maintains approximately 71 full-service offices. It has wholly owned direct and indirect subsidiaries: Horizon Investments, Inc., Horizon Properties, Inc., Horizon Insurance Services, Inc., Horizon Grantor Trust and Wolverine Commercial Holdings, LLC.

What is the price predicton of HBNC Stock?

Wall Street analysts forecast HBNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HBNC is18.75 USD with a low forecast of 18.50 USD and a high forecast of 19.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Horizon Bancorp Inc (HBNC)'s revenue for the last quarter?

Horizon Bancorp Inc revenue for the last quarter amounts to 69.16M USD, increased 255.28

What is Horizon Bancorp Inc (HBNC)'s earnings per share (EPS) for the last quarter?

Horizon Bancorp Inc. EPS for the last quarter amounts to 0.53 USD, decreased -312.00

How many employees does Horizon Bancorp Inc (HBNC). have?

Horizon Bancorp Inc (HBNC) has 841 emplpoyees as of March 12 2026.

What is Horizon Bancorp Inc (HBNC) market cap?

Today HBNC has the market capitalization of 815.65M USD.